vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: OH

Complaint narrative:
On XX/XX/XXXX I applied for and was approved for a Discover it card in the amount of XXXX . This was good news as I have worked hard the past two years to build the credit standing that I am in today. I recieved the card and activated it immediately. Two days later ( XX/XX/21 ) I recieved an email that my account was being frozen to review my financial information and I would need to sign an authorization through XXXX for a 4056-T to release my tax returns. I complied with this request and was told that the IRS was backlogged when I called to check on the review. This was concerning to me as the IRS says it only takes 3 business days to turn over the information. Today, over a month after the request, I recieved an email stating that my account was being closed effectively immediately based on my account information as a whole that they were unable to verify information on my account. I myself am able to log in to my IRS account and pull my transcripts, the same as Discover requested and I see they are available, thus I do not see how they can claim that information was not verifiable. Furthermore this is a clear bait and switch, Discover has every right to do their due diligence when deciding whether to approve a customer for an account or not. However, to approve an account, send a card, allow me to activate the card, freeze my account for 30 days, and then close my account, is negligent and impacts me negatively as a consumer when they couldve just denied my account in its entirety. I will be contacting the IRS to confirm if and when this review was even completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
For the last several months, I've been trying to get XXXX to remove a bankruptcy that was verified through XXXX. XXXX has removed this bankruptcy from my report, however, it's still showing 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 2021-05-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
For the last several months, I've been trying to get XXXX to remove a bankruptcy that was verified through XXXX. XXXX has removed this bankruptcy from my report, however, it's still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4100.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO LOAN OR LEASE 1. XXXX XXXX FINANCE with ACCT # XXXX opened on XX/XX/2014 with a balance of {$4100.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: Block, Inc.
State: AL

Complaint narrative:
I was ineligible for stimulus at time they began, however XX/XX/2020 I became eligible. I'm on s.s I. Am basically impoverished poor health uneducated and have had multiple major head trauma. Left side of face metal. I applied through the it's an had read more than once to get funds sooner use a bank account. I had just started using Cash app so used it. Unfortunately a vehicle I was buying got impounded it was still in person 's name so they got it out, my wallet phone Cash app card several other items weren't there. I'd forgotten I'd used routing number on card. I often lose phone 's I D. Card 's forget passwords e mail addresses an so on. After many e mails Cash app support that's only accessible via e mail finally told me they could see where deposits we're made to that account. I've done everything they've asked to try to retrieve this money During this process I've lost at least 3 other phone 's at one point they said they couldn't transfer money for security reasons. The e mails seem scripted. I asked was there no other way to prove my identity? I thought the phone to be stolen if the money was deposited and moved it was stolen and I need to know if it's not and I'm The only one e mailing trying to recover why not shut down account send money back to irs. As I've said I'm very in need and don't know that what they're doing is even legal. My name is XXXX XXXX, the old phone linked to account was XXXX XXXX XXXX, my current phone number is XXXX XXXX XXXX e mail XXXX thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
This issue is with Paypal Credit ( SYNCB/PPC ). I had handed this and other accounts over to XXXX XXXX XXXX to handle all payments. Once included in the plan, all accounts were closed, only payments on these accounts were allowed. 

After a few months I was denied access to the online portal and could not monitor the balance. However, I was informed on a monthly basis by XXXX XXXX XXXX of the diminishing balance. It was all good. 

The real issue is with the final payment on THIS account. The final payment made was {$10.00}?? instead of {$15.00}?? which was the account balance, a difference of {$5.00}.??. 

As I said before, I had no access to the account and therefore had no idea that {$5.00}?? was owing. I was NOT informed about this. As a result, the account became delinquent ( for {$5.00}?? ) and was reported. My credit score went down XXXX points and the negativity drags on.

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 2021-05-23 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have continually tried disputing accounts on my credit reports with XXXX, XXXX and equifax. I have filed police reports and submitted them and they refuse to investigate the information accurately including providing signed contracts verifying who opened these accounts. Theyve also refused to update information with the right balances. 

Below is a detailed outline of accounts that Ive tried to rectify. 

XXXX XXXX {$490.00} XXXX  XXXX {$810.00} XXXX XXXX {$320.00} XXXX XXXX {$1200.00} XXXX XXXX  {$320.00} XXXX XXXX XXXX ( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have continually tried disputing accounts on my credit reports with Experian, XXXX and XXXX. I have filed police reports and submitted them and they refuse to investigate the information accurately including providing signed contracts verifying who opened these accounts. Theyve also refused to update information with the right balances. 

Below is a detailed outline of accounts that Ive tried to rectify. 

XXXX XXXX {$490.00} XXXX  XXXX {$810.00} XXXX XXXX {$320.00} XXXX XXXX- {$1200.00} XXXX XXXX {$320.00} XXXX XXXX XXXX  ( XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: TN

Complaint narrative:
Seeking a Resolution Attachments Thu, XX/XX/XXXX, XXXX XXXX ( 10 days ago ) to XXXX Attachments XXXX XXXX ( 37 minutes ago ) to compliance Good Day Mr . XXXX, My account wasn't open or updated for me to have a late fee. My account states I owe monies for an account that wasn't open yet. First payment was made on time and was made in order to begin automatic payments. 

My recorded conversation will support my claim. In an ongoing pandemic I am responsible for mailing out and purchasing my grandmothers meds I can not afford a system mistake of a " late fee '' that is not applicable. I am asking for my account to reflect the {$78.00} and cents correctly and not the unlawful amount of $ XXXX. I am here only because customer service has chosen to apply unethical practices and I know I am sure to get better practices from higher management. 

Please let me know what can be done to resolve this issue. 

Thank you. 


Attachments to XXXX, Hello Mr . XXXX, I am seeking yet, another resolution. I am unsure how a paid account is not paid. First Investors has to be better than this. My screenshots are attached. 

There are no false claims to be made ; however, the system is absolutely false in what is owed. Please update your records to show the correct amount. This is an ongoing issue and must end or is this a corporate strategy to keep funds coming in? 

Please stop charging me fees that are not relevant to my account. 

FW : Incorrect Owed Amount XXXX XXXX XXXX XXXX Attachments Thu, XX/XX/XXXX, XXXX XXXX ( 10 days ago ) to me, compliance Ms XXXX 



It seems you did not receive my response to your first email inquiry. 



To answer your concern, the total due amount on the account is correct because of late fees. The accrued late fees equal {$140.00} plus the payment of {$78.00}, leaves a total due amount of {$220.00}. I have attached a copy of your payment history for your review. Please let me know if you have any further questions. 



Kind Regards, XXXX XXXX Customer Care Team Manager First Investors Servicing Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Phone : XXXX Fax : XXXX XXXX XXXX My fear is that even after this complaint they will still find more fees to charge me with. This is messing with my credit for no reason.!.

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 2021-05-23 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 — Was not notified of investigation status or results
Company: Merchants Adjustment Service, Inc.
State: AL

Complaint narrative:
I have been requesting, since XX/XX/2021, verification of these alleged debts that they keep reporting on my credit files. However, these companies - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and MERCHANTS ADJ SERVICE failed to investigate & obtain, as mandated by law, proof of such debts. Yet, the bureaus - XXXX, XXXX and XXXX have continued to report & sell erroneous information about me. Therefore, it is quite obvious that they have deliberately violated my rights in more than one way which is punishable by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I applied for a credit card on XXXX XXXX and it wasn't as described in the the approval so I closed the account on XX/XX/XXXX. I did not receive the card and I did not activate the card and capital one listed the account on my credit about XX/XX/XXXX I called capital one and they verified the account was closed on XX/XX/XXXX this account was never activated or opened in any form only applied for

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: TX

Complaint narrative:
MBA at XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX has been sending me collection noties in the amount of {$1400.00}. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-23 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: NJ

Complaint narrative:
Noticed a few accounts that are not mine accounts are not mine Also in XXXX its an error stating in XXXX I was 60 days late XXXX  60 days late then 30 days late in XXXX Then in. XXXX it states I was 30 days late in XXXX then 60 days late in XXXX then XXXX late in 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 2021-05-23 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Noticed a few accounts that are not mine accounts are not mine Also in XXXX its an error stating in XXXX I was 60 days late XXXX  60 days late then 30 days late in XXXX Then in. XXXX it states I was 30 days late in XXXX then 60 days late in XXXX then XXXX late in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ

Complaint narrative:
In XX/XX/XXXX I received a call about a bill I owed for a stay in a care facility over a year prior. I referred the caller to my attorney handling the case. They never contacted them. In XX/XX/XXXX they placed approximately XXXX collection items on my credit report. I was able to get some deleted. XXXX still remains. On XX/XX/XXXX, they began to call again. They refuse to validate the debt. According to the original provider indicated I never had a balance with them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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 — Was not notified of investigation status or results
Company: TD BANK US HOLDING COMPANY
State: AL

Complaint narrative:
I have been requesting, since XX/XX/2021, verification of these alleged debts that they keep reporting on my credit files. However, these companies - TD BANK USAXXXXTARGET CREDXXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX failed to investigate & obtain, as mandated by law, proof of such debts. Yet, the bureaus - XXXX, XXXX  and XXXX  have continued to report & sell erroneous information about me. Therefore, it is quite obvious that they have deliberately violated my rights in more than one way which is punishable by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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 — Was not notified of investigation status or results
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I have been requesting, since XX/XX/2021, verification of the alleged debt that they keep reporting on my credit files. However, MIDLAND FUNDING failed to investigate & obtain, as mandated by law, proof of such debts. Yet, the bureaus - XXXX, XXXX  and XXXX  have continued to report & sell erroneous information about me. Therefore, it is quite obvious that they have deliberately violated my rights in more than one way which is punishable by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I 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. II 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 theXX/XX/XXXX you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Management is reporting inaccurate, false, and misleading information on a collection account on my XXXX  credit report. A collection agency should not be reporting a collection account 120 days late as the current status. I did not open an account with the collection agency, they purchased the bad debt.

Purchasing a bad debt does not make them the original creditor. Only the original creditor can report me as 30, 60, 90 or even 120 days late. Monthly status codes related to delinquencies do not apply to collection agencies.

The collection agency should be limited to reporting information such as : Date the collection account was opened The original amount owed along with the current balance and whether the account has been paid or unpaid No monthly delinquencies should be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT WORLD SERVICES, INC.
State: PA

Complaint narrative:
I have an outstanding balance with XXXX University. I have been paying them for years. I relocated from my original state : XXXX  to XXXX. I did not receive any notifications from XXXX University or the creditors about collecting a debt. As soon as I started paying down the debt again and had less than {$2800.00} left XXXX XXXX ( ( XXXX XXXX XXXX ) ( from XXXX University XXXX contacted me and tried to get me to pay more money than I owed. She said she sent me to credit world, but I did not receive any notification from them until I started paying down my debt again. Even though they had my email and contact number nobody called until after I started paying the debt she almost doubled the amount I have left. If this harassment does not stop I would like XXXX and credit world to know we are going to end up in court. I have my proof and documentation. This harassment needs to end immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: CASHCALL, INC.
State: CA

Complaint narrative:
I am a paid member of XXXX, XXXX, and XXXX  and was able to screenshot multiple inaccuracies on my 3 credit reports of several negative items that do not match one another in listed balance, dates of alleged late payments, and/or authorization. I am challenging these negative items appearing on my XXXX report, I want them removed from my credit reports immediately. I have disputed thought the 3 bureaus and 2 have not listed the items as under investigation in over 30 days, violating the Credit Repair Act. I am not able to secure housing for my wife and kids during COVID as a result of these negative items appearing in a credit check for any home rental company 's applications. Please help us. 

1. XXXX  Cashcall Acct - Dates do not match XXXX, Unauthorized, Company in class action lawsuits for illegal activity.

2. XXXX  Cashcall - Dates do Not match XXXX, Company in Class Action Lawsuits for illegal activity. 
3. XXXX XXXX XXXX XXXX XXXX Dates do not match XXXX, balance incorrect 4. XXXX  XXXX XXXX XXXX  - Dates Do not match XXXX, balance incorrect 5. XXXX  XXXX  XXXX XXXX - Dates do not match XXXX, balance incorrect 6. XXXX CCXXXX XXXX XXXX  - does match XXXX  CCXXXX, unauthorized, unknown. 
7. XXXX CCXXXX - Insufficient information, does match experians CCXXXX Cash Central, unauthorized, unknown 8.XXXX XXXX  XXXX Original Creditor Not listed, Terms Not listed, No payments have been reported on this account, Highest balance significantly exceeds credit limit. Unauthorized, Class Action Lawsuits for company-recent Settlements of {$860.00} XXXX for illegal activity. 

Hard Inquiries XXXX  : XXXX XXXX XX/XX/21 XXXX XXXX  XXXX XX/XX/21 XXXX Hard Inquiries XXXX  : XXXX XXXX XX/XX/21 XXXX  XXXX  XXXX XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX XXXX XX/XX/21 XXXX XXXX XX/XX/21 XXXX : XXXX XX/XX/21 XXXX  XXXX XX/XX/21 XXXX XXXX XX/XX/21 XXXX XX/XX/21 XXXX  XX/XX/21 XXXX XXXX  XX/XX/21

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