vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
I tried to apply for credit and was denied because of two credit cards from this creditor. I received the creditor information from the my credit report. I was incarcerated for 13 years and released this year in XXXX. My wife and I tried calling several times to get this issue resolved the right way. Everytime we call, we are transferred and put on hold for a long time or the department that handles fraud is closed. 

Im trying to get on my feet to help take care of my family and I cant because of this. I ask that you please look into this for me so I can establish credit and provide for my family. My certificate of release from XXXX XXXX XXXX XXXX is attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Ive submitted 2 disputes with XXXX  regarding Midland Credit Management reporting inaccurate information on my credit report. I called XXXX  on XX/XX/XXXX at XXXX and spoke to a representative. I explained the inaccuracy in reporting. The above-mentioned collection company bought my debt from XXXX on XX/XX/2020 but keeps reporting the payments are 1 month late. The report needs to state 13 months late. After 20 minutes on hold, XXXX  hung up on me. 

I didnt make any payment arrangements with Midland or request any COVID-19 payment relief. Ive been in communication with my debt collectors and have negotiated several settlements during the pandemic. Ive reached out to the collection agency to settle but they havent returned my calls. I want my credit report to reflect the true and correct late history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: Collection Management Services, Inc.
State: TN

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report, its been well over 30 days and I haven't 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 2021-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I have Credit Card debt due to Identity Theft. The scammer hacked into my XXXX account to purchase {$2000.00} of XXXX on XX/XX/21. This transaction caused an overdraft of my checking account on XX/XX/21. Because my checking account had overdraft protection, the overdrawn amount was charged to my credit card. XXXX also says that I owe them due to a Chargeback settlement on XX/XX/21 with the scammers Bank. 
Current Amount owed to Wells Fargo Bank N.A. Credit Card = {$2100.00} Current Amount owed to XXXX = {$1900.00} I have filed a local Police report, FTC Identity Theft report, a FBI IC3 report ... I have also closed all of my Banks accounts ( Checking, Savings, Credit ) and opened new ones with Wells Fargo, but the Credit card debt remains ... XXXX has permanently limited usage to my account 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 non-monetary relief
Consumer complaint received 2021-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Express Recovery Services, Inc.
State: CA

Complaint narrative:
I received a letter from the XXXX XXXX XXXX XXXX XXXX. This letter said I owed a debt and so I called the office to figure out what this was about. I recieved this letter XX/XX/2021 First I spoke to a XXXX ( something like that ) and told him that the debt wasn't mine on XX/XX/2021. I needed proof so I could look at it. XXXX asked me a bunch of times if I was an attorney and than transferred me to the voice mail of Mr. XXXX. On the message to Mr. XXXX, I told him that it wasn't me and that I would like proof of debt so I could clear it up. He has not responded. 
I received a call from an " attorney '' named XXXX on XX/XX/2021. I told him that I would like proof about the debt since it wasn't me. I am not from the State of Utah so I asked MrXXXX XXXX if he could supply me with proof. He than told me that he couldn't give me legal advice, he said this a bunch of times. After not supplying me with any information, Mr. XXXX " attorney '' told me that he was going to take me to court. 

I believe the tactics used by the XXXX XXXX XXXX XXXX XXXX XXXX, is meant to oppress and take advantage of people just to make money. I would look into this office and make sure their so called " attorneys '' are actually that.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Vengroff Williams, Inc
State: PA

Complaint narrative:
I do NOT owe this debt. The company continued charging my stolen credit card after being notified that this debt was NOT valid. They explained they fixed the computer glitch and removed this fraudulent charge and has now continued to try to collect on a fraudulent debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: NCB Management Services Inc.
State: WA

Complaint narrative:
These collection companies are reporting that I have an open account which is not under FCRA compliance. 

NCB MANAGEMENT SERVICES # XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Placed for collection:XXXXXXXXResponsibility : Individual AccountAccount Type : Open Account Loan Type : DEBT BUYER Balance : $ XXXXDate Updated:06/13/2021Original Amount : {$1400.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pay Status : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXX Placed for collection:XXXXResponsibility : Individual AccountAccount Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : $ XXXXDate Updated:XXXXOriginal Amount : {$420.00} Original Creditor : XXXX XXXX XXXX XXXX Past Due : > $ XXXX Pay Status : >In Collection<Date ClosedXXXX Remarks : Completed investigation of FCRA dispute-consumer disagreed ; AFFCTD BY XXXX XXXX ; >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Placed for collection:XXXXResponsibility : Individual AccountAccount Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : $ XXXXDate Updated:XXXXOriginal Amount : {$360.00} Original Creditor : XXXX XXXX XXXXXXXX Past Due : > $ XXXX Pay Status : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: NY

Complaint narrative:
I did not consent to, authorize, nor benefit from any of the following collections. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy. I would not be going through an FTC report if this was not an error. Please block and remove them immediately : XXXX Date Opened : XX/XX/XXXX Amount : {$370.00} XXXX Date Opened:XX/XX/XXXX Amount : {$0.00} XXXX Date Opened XXXX XX/XX/XXXX Amount : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX Date Opened XXXX XX/XX/XXXX Amount : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$8600.00} XXXX Date Opened : XX/XX/XXXX Amount : {$2200.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$8600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Office of Edwin B. Parry
State: CA

Complaint narrative:
I received a letter from the Law Office of edwin perry. This letter said I owed a debt and so I called the office to figure out what this was about. I recieved this letter XX/XX/2021 XXXX I spoke to a XXXX ( something like that ) and told him that the debt wasn't mine on XX/XX/2021. I needed proof so I could look at it. XXXX asked me a bunch of times if I was an attorney and than transferred me to the voice mail of Mr. XXXX. On the message to Mr. XXXX, I told him that it wasn't me and that I would like proof of debt so I could clear it up. He has not responded. 
I received a call from an " attorney '' named XXXX on XX/XX/2021. I told him that I would like proof about the debt since it wasn't me. I am not from the State of Utah so I asked Mr. XXXX if he could supply me with proof. He than told me that he couldn't give me legal advice, he said this a bunch of times. After not supplying me with any information, Mr. XXXX " attorney '' told me that he was going to take me to court. 

I believe the tactics used by the Law Office of edwin b perry, is meant to oppress and take advantage of people just to make money. I would look into this office and make sure their so called " attorneys '' are actually that.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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:
Fraudulent accounts as a result of identity theft pursuant to 15 USC 1601, 15 USC 1681 and 15 USC 1692 are as follows : 1 ) XXXX XXXX  2 ) XXXX  XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX. 

Credit Reporting Agencies ( XXXX, XXXX  and TRANSUNION ) continue to report on one or more of these fraudulent accounts despite receiving an Affidavit and Debt Validation letters via the US postal system with written instructions of how to write my consumer report within the confines of legality and to prevent further damage. These fraudulent accounts are causing me injury, economic strife and clearly violates many, many federal laws.

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 2021-06-24 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: The Best Service Co.,Inc
State: WA

Complaint narrative:
These collection companies are reporting that I have an open account which is not under FCRA compliance. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Placed for collection:XX/XX/XXXXResponsibility : Individual AccountAccount Type : Open Account Loan Type : DEBT BUYER Balance : $ XXXXDate UpdatedXXXXOriginal Amount : {$1400.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pay Status XXXX >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXX Placed for collection:XXXXResponsibility XXXX Individual AccountAccount Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : $ XXXXDate Updated:XXXXOriginal Amount : {$420.00} Original Creditor : XXXX XXXX XXXX XXXX Past Due : > $ XXXX< Pay Status : >In Collection<Date Closed:XXXX Remarks : Completed investigation of FCRA dispute-consumer disagreed ; AFFCTD BY NTRL/DCLRD DISASTR ; >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX XXXX XXXXE XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Placed for collection:XX/XX/XXXXResponsibility XXXX Individual AccountAccount Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : $ XXXX Updated:XX/XX/XXXXOriginal Amount : {$360.00} Original Creditor : XXXX XXXX XXXX Past Due : > $ XXXX< Pay Status : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/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 2021-06-24 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: Waypoint Resource Group, LLC
State: WA

Complaint narrative:
These collection companies are reporting that I have an open account which is not under FCRA compliance. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Placed for collection:XXXXResponsibility : Individual AccountAccount Type : Open Account Loan Type : DEBT BUYER Balance : $ XXXX Updated:XX/XX/XXXXOriginal Amount : {$1400.00} Original Creditor : XX/XX/XXXX Pay Status : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX, CA XXXX XXXX XXXX ) XXXX Placed for collection:XXXXResponsibility : Individual AccountAccount Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : $ XXXXDate Updated:XXXXOriginal Amount : {$420.00} Original Creditor : XXXX XXXX XXXX XXXX Past Due : > $ XXXX< Pay Status : >In Collection<Date Closed:XXXX Remarks : Completed investigation of FCRA dispute-consumer disagreed ; XX/XX/XXXX >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX WAYPOINT RESOURCE GROUP LLC # XXXXXX/XX/XXXXXXXX, TX XXXX ( XXXX ) XXXX Placed for collection:XX/XX/XXXXXXXX : Individual AccountAccount Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : $ XXXX Updated:XX/XX/XXXXOriginal Amount : {$360.00} Original Creditor : XXXX XXXX XXXX Past Due : > $ XXXX Pay Status : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio has not provided proof of the alleged debt nor a contact bearing my signature on the original contract of agreement with this company. I do not owe any debts to this company. This company is reporting inaccurate and unverifiable information to the credit bureaus with account number XXXX, XX/XX/2016. for {$930.00}. i have investigated recent history on this erroneous company which proves this debt collection company to report and collect on inaccurate debts. I am demanding Portfolio to stop all collection attempts and delete this erroneous debt from my credit report immediately or i will have to take legal action. 

Portfolio Recovery Associates illegally attempted to collect debt that they knew, or should have known, may have been inaccurate or unenforceable. Specifically, the CFPB found that the companies : Attempted to collect on unsubstantiated or inaccurate debt : Portfolio Recovery Associates stated incorrect balances, interest rates, and payment due dates in attempting to collect debts from consumers. The companies purchased large portfolios of consumer debt with balances that sellers claimed were approximate or that otherwise did not reflect the correct amount owed by the consumer. Sellers also warned the companies that some of the debts they were buying may not have the most recent consumer payments deducted from the balance. Some sellers also represented that documents were not available for some of the accounts. The companies continued purchasing from these sellers and then collecting on that debt without first conducting any investigation to determine whether the debts were accurate and enforceable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-24 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
CFPB XXXX Complaint concluded : We reviewed your complaint and weren't able to forward it to the company for a responsebecause the company is not on our complaint system. 

Please advise why TD Retail Card Services, XXXX XXXX XXXX, XXXX, SC XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX are excluded in your complaint system? 

In response to your communication : The CFPB can't give legal advice or represent individuals in legal matters legal advice or representation was never requested as alleged. 

Furthermore, please advise that TD Retail Card Services, XXXX XXXX XXXX, XXXX, SC XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX have been added to CFPB complaint system and that they have been notified of the CFPB XXXX Complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
I tried to apply for credit and was denied because of two credit cards from this creditor. I received the creditor information from the my credit report. I was incarcerated for 13 years and released this year in XXXX. My wife and I tried calling several times to get this issue resolved the right way. Everytime we call, we are transferred and put on hold for a long time or the department that handles fraud is closed. 

Im trying to get on my feet to help take care of my family and I cant because of this. I ask that you please look into this for me so I can establish credit and provide for my family. My certificate of release from XXXX XXXX XXXX XXXX  is attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: Paypal Holdings, Inc
State: NY

Complaint narrative:
This is complaint about PayPal company that advertised that they are there to protect consumer when making purchases and processing payments through them. During the last six months I have made several purchases from different places paying with PayPal only to see a chain of issues for not getting merchandise to getting something different, they have refuse to resolve disputes and in most of the cases I had to escalate dispute to XXXX XXXX due to the lack of response from PayPal. Today I contacted them after I have filed two disputes for a purchase made on XX/XX/2021 and like they are making a great exception they offer me a voucher for the same amount of purchase to use in a future purchase to which I refused knowing that I will not use PayPal going forward due the history of poor customer experience. I rather try to contact one again XXXX XXXX and open another dispute through them to try to get my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-24 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: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Since XX/XX/21 I have been filing a complaint against you to remove an account that is in violation of the Law, and they have yet to remove the item " DEPT OF VETERANS AFFAI  Account Number : XXXX '' off my report. Because of this violation, I have been denied access to credit for my business endeavors which is causing economic damages also causing an alleged loss of opportunity. It is causing me and my family to go through turmoil and is also causing friction in the family. There have been emotional distress and I don't know what else to do about the situation other than to get legal advice. You have negligently and willfully obtained my information without a permissible purpose. You have also violated my privacy and have caused defamation from this reported information that should not be furnished. The furnisher stated that your reporting is in error. You have not been doing a proper investigation and this is not acceptable by law. Stop saying this isn't authorized to buy time. Please do what you suppose to do according to FCRA laws.

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