vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
My name is XXXX XXXX XXXX a federally protected consumer, and I am making this complaint against Midland Credit Management for committing identity theft. I have never given Midland Credit Management any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any documentation requesting validation from Midland Credit Management before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Midland Credit Management can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Midland Credit Management can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Midland Credit Management continues its collection efforts, I will file for litigation for actual damages caused and Midland Credit Management will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-26 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: DISCOVER BANK
State: IL

Complaint narrative:
Account inquires i did not all or give authorization dates 2 different account bout for XXXXXXXX XXXX XXXXnd XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: XOOM CORPORATION
State: MO

Complaint narrative:
Someone has obtained access to all of my checking accounts and have wired money via XOOM. Someone also made a payment to XXXX  credit card. It looks like they used my XXXX account to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Paxful Holdings, Inc.

Complaint narrative:
Dear sir/ma please come to my rescue i am one of the paxful trading platform users with username XXXX. i got a message on my email on the XXXX of XX/XX/2021 that my account on their platform which has XXXX btc inside has been frozen due to term of service violation that i should contact support which i did immediately. 

On the XXXX of XXXX i got another message that my account has been banned because it does not pass compliance review and my funds are available for withdrawal. 

Despite the fact that they said my funds are available for withdrawal they still did not give me option to send my funds out of the platform. All my effort to get in touch with them to release my funds since they already banned my remained unsuccessful. 

It is almost 5months already and still they refused to release my funds. this has infact caused alot of problems for me and my family because am still yet to repay some of my suppliers and even the value of the coin has lost almost 45 % in value. 

My account is fully verified with my voters card. i also used my local bank statement of account to verify my address. This is pure cheating. i don't know how on earth a company will block the account of their user and told him/her to withdraw his/her funds without giving the option to be able to withdraw it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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: NJ

Complaint narrative:
XXXX XXXX XXXXXXXX The results of the requested investigation did not produce the documentation of that investigation or update my credit profile. Therefore they have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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: NJ

Complaint narrative:
XXXX XXXX XXXX The results of the requested investigation did not produce the documentation of that investigation or update my credit profile. Therefore they have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715, 719. I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

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 2022-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: FL

Complaint narrative:
We were with XXXX XXXX for Auto Insurance when I was involved in an accident XXXX. About a block from our home, a pizza delivery driver backed out of a neighbor 's yard ( not driveway ) as I was driving ( with a passenger ) by on the way home. I did not see them until just as we collided. I did everything to avoid the collision and ended up stopping my car on the left shoulder of the street after collision. The Deputy gave the pizza lady a ticket and said it was plainly her fault. My Friend that was riding in my car confirmed the fault was strictly the pizza driver, of which she moved her car trying to change the situation. When XXXX XXXX was allowing the fault to be a small part on my responsibility, we vehemently disputed it and changed insurance companies to XXXX, who gave us a better rate. We had been with XXXX XXXX since XXXX! 
Now XXXX has raised their rates to XXXX XXXXXXXX for my XXXX XXXX and my XXXX 's XXXX XXXX, which is ridiculous! We want to change to XXXX, since my Husband is a Veteran, however have been told Lexis Nexis shows me partially being at fault for that accident in XXXX and a XXXX incident which was me getting my windshield replaced after having a XXXX XXXX it as I was driving home in a rain storm. We were not aware the windshield replacement was held against us, of which it is not supposed to be. 
I called Lexis Nexis several weeks ago and left a message for a returned call, as instructed by XXXX. They never called me back, however 2 weeks later, I received a letter with information on how to request the report on line, of which I did. Now it will take several weeks to receive the report so we can dispute this. In the meantime, I am still paying XXXX XXXXXXXX to XXXX which is very much a burden since we are living on Social Security income. 
How can XXXX XXXX list me at being partial fault when the facts proved otherwise? How does replacing my windshield also go against my record? In XXXX, a deductible isn't ever charged when replacing a windshield. We both have safe driving records and I have only had one speeding ticket in my whole life, of which I am XXXX XXXX XXXX! What is our recourse? 
Any assistance would very much be appreciated. 
Thank you so much. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Atlanticus Services Corporation
State: MD

Complaint narrative:
My complaint is with Fortiva XXXX XXXX. XXXX XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX. This company has made unauthorized debits to my account that the monies have exceeded the amount balance. When this instance first happened, I contacted Fortiva in XX/XX/2022, and they stated that they would reverse the charges and send me a check and I should wait XXXX XXXX XXXX  days. I waited as they requested and noticed their statements did reflect a change in the account but I never received any of my funds. During the month of XXXX they charged my account again. When I advised the Representative of the company, ( The name he gave was XXXX. ), that I had not authorized these large payments nor did I receive the previous funds, I was told that I would have to send them my Bank Statements to prove that I had not received their check. My response to him was that his company should be able to verify that the funds had not been cleared from their bank. I further told him that having them to review my bank statements is an invasion of privacy and they have no right to make such a request. I have emailed them about this issue as recently as today since we are beyond the XXXX  day timeframe that was given, and that they now owe me a grand total of {$3400.00}. I have suffered major financial setbacks due to their irresponsible business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: OR

Complaint narrative:
my finance company sent them a check and they sent it back to me after they agreed to a seiten amount they refused m payment. stating they wont full payment since i refinanced

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
At XXXX EST my mobile number received a text from XXXX that said : " Thanks for giving Capital One your mobile number. You XXXX get texts with important info about your account from XXXX or XXXX ( both these numbers were hyperlinks ). You also now have access to XXXX, your Capital One assistant. You can talk to XXXX by ending a text to XXXX ( hyperlink ). Reply HELP for more info. Reply STOP if you don't want to receive text messages from Capital One. Msg frequency varies. Msg & data rates may apply. 

I then called Capital One customer service number that I found via XXXX : XXXX. The first lady told me she had to transfer me when I told her about the text and possible fraud. The second representative I got, after I told him what was going on, insisted I provide my full SSN. I told him I was not comfortable with this since I have concersn about fraud. He then immediately told me he has to transfer me to another representative who can better handle my concern. The third representative asked for my first and last name then again asked for my full SSN. I again replied that due to being concerned about fraud I was not comfortable providing the full number and would not. He stated that the only way he could help me was if I provided the full number so I hung up. 

When I returned home I logged into my XXXX XXXX account to check for any new accounts opened in my name but found nothing. I believe this text message was a phishing attempt and that somehow the spoofed the Capital One customer service number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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: NY

Complaint narrative:
On XX/XX/XXXX I noticed some unauthorized inquiries on my TransUnion consumer report. On 03/01/2022 I informed TransUnion of the unauthorized use ( 15 USC 1602p ) on my report. I required TransUnion to provide me with actual proof of a wet signature and credit card ( 15 USC 1602l ) with it applying for credit from those companies that TransUnion are willingly and knowingly reporting false information on my consumer report. I required TransUnion to delete these items from my consumer report immediately. They are harmful and detrimental to my personal living mode as well as to my family. To date, TransUnion has yet to respond to the letter sent through the mail. I demand TransUnion to delete the unauthorized, unverifiable and unconfirmed inquiries on my consumer report. Refusing to delete these unauthorized inquiries without proof of authorized use will be a liability of willful noncompliance. Pursuant to section 616 ( a ) ( 1 ) ( A ( B ) of the Fair Credit Reporting Act. I demand that TransUnion delete these inquiries from my consumer report or I shall seek monetary relief due to the harm and stress as a result of this false information TransUnion is reporting on my consumer report. XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX. I require you to delete these unauthorized inquiries and update my consumer report, and send me an updated 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 non-monetary relief
Consumer complaint received 2022-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc.
State: TX

Complaint narrative:
My phone had previously been through XXXX. In XXXX, 2021 I went to XXXX and had to purchase a prepaid phone. XXXX had problems porting my phone and everyday for XXXX weeks I would go in and try to work with XXXX XXXX, the manager. I was then told to give them a month to fix the problems yet the continued to bill me for a prepaid service. The store manager XXXX XXXX even paid a phone bill for me. Nonetheless they continued to have problems getting my account straight. I would go in the store every other day until I decided to discontinue business with them. They would even keep me on the phone for hours promising to fix the problem to no avail. I am requesting all the notes on my account from XXXX with XXXX XXXX, their manager and myself. I will never do business with this company again. I am on XXXX and should have stayed with my government issued XXXX. 

Have XXXX submit records, notes of phone calls and billing statements. Also reach out to Manager XXXX XXXX. 


XXXX put my account with The XXXX XXXX, XXXX see attached CFPB Complaint XXXX copy attached

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 2022-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
Convergent outsourcing is reported I have an account opened with XXXX XXXX in XX/XX/21. This information is false. Any accounts Ive had in past years ( XXXX ) was closed in good standing. Have requested itemized documentation to their claims and they have failed to provide it. I have disputed for a second time as well. Any help to have them remove their false reporting on my credit report would be appreciated.

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 2022-03-26 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: NJ

Complaint narrative:
XXXX XXXX XXXX The results of the requested investigation did not produce the documentation or provide an updated report ... ..therefore they ... XXXX XXXX  have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715, 719. I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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: NJ

Complaint narrative:
XXXX XXXX XXXX The results of the requested investigation did not produce the documentation or provide an updated report ... ..therefore they ... XXXXXXXX XXXX have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715, 719. I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

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 2022-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
My friend came to me and said if I give them XXXX $ I would get XXXX in return cash app kept declining the transition but in the end, it went through by me sending XXXX $ split to multiple cash app accounts. After the money went through he blocked me everywhere, I contacted cash app and basically, they told me how not to get scammed. The only thing cash app did was request a refund I also contacted my bank ( XXXX ) and they told me to take it up through cash app. I had everything they needed the cash tag, his name, his phone number, and what he looks like, and they still did nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I just submitted a complaint # XXXX and it did not print out my statement and implied I wanted to be known as a veteran which is an untrue statement. I acknowledged it was true so there is no veteran affiliation to this complaint other than a VA employee committing bank fraud to cover up abuse on a va campus. XXXX XXXX and XXXX XXXX have family and personal ties in law enforcement who refuse to look into the fraud on my account and the bank has let them alter records and they committing violations of FDIC regulations on my account trying to or by closing it. Please refer to my original statement to clear this up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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: CUSTOMERS BANCORP, INC
State: CA

Complaint narrative:
Hi, I had started finding out from XX/XX/2021 that someone opened credit card accounts using my name and SSN. He opened a credit card account at CUSTOMERS BANK last XXXX, another one from XXXX last XXXX, and another from XXXX XXXX XXXX  last XXXX. 

So, I kept disputing these fraud accounts against 3 credit bureau companies but they keep saying these are accurate information. So, I started sending my own proof documents to them this year and waiting for the results. 

I took actions like credit freeze and alerts to all of 3 credit bureau companies last week and started calling the banks with the fraud account. 

I think someone same person have tried to open many other credit card related accounts, so anyway I need to stop this guy immediately. 

For more proof information, please let me know.

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 2022-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: AR

Complaint narrative:
I had a XXXX internet account for my rental XXXX XXXX  property and closed the account during XXXX. After a few months, I received a credit alert from my credit monitoring company that a new account had been added by the collection company ( Radius Global solution LLC ) for the XXXX bill of {$130.00}. I did not receive any notification from XXXX or Radius Global directly to pay for this amount ; instead, I was shocked to see the collection amount in my credit report. I reached out to XXXX, asked them about this, and informed them that I did not receive any notification from the collection company regarding the pending payment. XXXX asked me to pay the amount, and they said they would remove it from the credit reporting. I paid the amount as well ; however, my credit report still shows the bill as collection, which is badly impacting my credit score. I reached out to both XXXX and Radius Global Solutions, and they acknowledged that the amount is paid ; however, they are not requesting the credit companies to remove the account from my credit report. Currently, my family is moving to XXXX XXXX ; we are buying a new home. Unfortunately, I am not approved for the mortgage loan due to the lower credit score caused by the collection. I have been penalized for no mistake from my end. 

As you can see from my credit report, I have never missed a single payment in my life so far, having an excellent track report and being a responsible US citizen. I need help here to support my family by buying a home. Thanks for considering my complaint.

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