vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Midland Credit arranged a payment plan for me on a debt collection from XXXX XXXX XXXX, totaling {$1900.00}. The arrangement was as follows : - ACH payment of {$100.00} on XX/XX/2020 - ACH payment of {$650.00} on XX/XX/2020 - ACH recurring payments of {$390.00} on XX/XX/2020, XX/XX/2020 and final payment on XX/XX/2020 All payments have been made as per agreed. I was just notified by a credit monitoring website I use ( XXXX, XXXX, XXXX ) that {$410.00} is now being reported by Midland. I checked my account on the Midland website, to see that my old account, XXXX has disappeared, along with my payment history, and has been replaced with a new account number, XXXX. I have no other collections with Midland, and the new account shows as still being tied to the XXXX XXXX XXXX debt, which has been paid in full. I attempted calling Midland to ask what they are attempting to collect additional money for ( none of my payments were returned or bounced, can provide bank records to verify this ), and was bounced to several departments and then told to call back another day. I am refusing to pay anything over and above what has been agreed upon, and would like this information and these sums to be removed entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates XXXX XXXX XXXX XXXX, VA XXXX XXXX Problem with Portfolio Recovery Associates for allowing incorrect information to show on my credit report. According to FCRA section 609, when the consumer disputes an item and request for the original contract with my signature to be produced to me to prove the ownership of this fraudulent accounts. They have 30 days to produce and they do not produce contract with signatures, but allow these accounts to stay on my report. I have written and disputed this produce and no correction has happened.

1 ) Portfolio Recovery original creditor XXXX XXXX  {$1200.00} 2 ) Portfolio Recovery original creditor XXXX XXXX {$420.00} 3 ) Portfolio Recovery original creditor XXXX   XXXX $ {$540.00} I have not done any business with this company Portfolio Recovery A. 
Thus I am requesting an original contract with my signature and date. If they can provide it these three accounts must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: FISERV FINXACT CORE
State: FL

Complaint narrative:
I received an Economic Impact Payment card from Money Network Cardholder Services and I phoned the number provided XXXX XXXX but only got recorded messages. There is no phone number to reach a human. 
I want to get the Money Network checks which they refer to and which are referred to on your website, but I have not found any way to get these.

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 2020-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc

Complaint narrative:
I use paypal for 6 year and all is normal on my account i use to recive and withdraw money to XXXX bank account .A ploblem happen last year XX/XX/2019 i got some little sale for 2 tranaction this sell is from i sell image online my hobbie sell i do this first time and i conversation to buyer through email and i accept paypal as it easy to recive money after i recive money for 2 tranaction i got account limit and paypal ask me what is this sale from i say to paypal this image sale for 2 tranaction they need proof conversation i send to them and after got my proof they limit me and say wait 180 day to withdraw my money but i refund buyer already. .And they say my account limit cause i do gambling and nutcracker and after that i wait about half year before 180 day i see 176 day paypal take all my money and say i m do damage to paypal i lose all money to paypal cause i recive wrong type payment if buyer send money to me by friend or household it not a ploblem it ploblem cause it send money to me by buyer or service this wrong and very gone wrong .I see this it a trap i reciver dont know and press recive and not have track or website he? she lose money for free paypal will limit and take all money in hold cause by this it gone wrong paypal dont care they make a trap they not help user i m tell all what is it from my sale but they anser like bot we decision is final not clarify and not have a proof for i do gambling .i send message and inbox to them but got response like bot and cant help .I see paypal is a trap if user accept service or some little sale and have all conversation but they decline this is a way paypal take user money i dont know how to do cause in XXXX paypal office was gone in last year they gather office XXXX  to XXXX i need help me i m not usa XXXX  but paypal cant do this with other user around the world .i lose XXXX free from my hard work collect i need someone help me to got my hardwork money back i dont like to lose free this money to some bad employee paypal

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-05-24 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, I applied for Covid19 mortgage assistance at my bank, Wells Fargo, after they posted the availability of their program on their web site on about XX/XX/ 2020. They said that no late payment would be reported to any credit agency and the implication was that no negative affects would accrue to one 's credit report or Fico Score. The day before I applied I had a credit score of XXXX, on Wells Fargo site. THE NEXT DAY IT WAS XXXX!!! 
Now I just looked at my credit score on another web site, because they seemed to have removed the credit scores from the Wells Fargo site and it is XXXX!!! 

Clearly Wells Fargo lied to me and I want my XXXX credit score reinstated.

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 2020-05-24 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had to cancel a XXXX vacation vacation I booked XXXX with XXXX, XXXX in due to the coronavirus shutdown. XXXX updated their cancellation policy on or about the XXXX of XXXX to allow for full refunds. I cancelled on the XXXX thru their website and have screenshots of the process. The confirmation screen confirmed my cancellation and noted that an email would follow in several days time. After not seeing a refund from XXXX after a week, I called their support number and was hung up on, and emailed their support team. The support team denied receiving my cancellation, and demanded proof, which I immediately provided. At that point XXXX ceased communication and I was forced to open a dispute with Chase Credit card. I opened a credit card chargeback, and my credit card company shared with me a fraudulent email from XXXX that claimed I never sent proof of my cancellation, when in fact XXXX was the party that had halted communication with me after proof was provided. I provided screenshots of my email exchanges and screenshots of the cancellation process and success notifications from XXXX from the XXXX of XXXX to the credit card company to disprove XXXX 's fraudulent claim. Chase has ignored my documentation and proof, reversed my dispute and submitted negative feedback to the credit reporting agencies, immediatley lowering my credit score. I do note that JPMorgan/Chase seems to be an investor in XXXX, XXXX and was part of their series C funding in XX/XX/2019 ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
In XXXX of 2019 a company called XXXX XXXX arranged financing for an equipment purchase through CIT. CIT claims to have provided XXXX XXXX with a sum of money, I am not sure what amount and neither CIT or XXXX XXXX will provide me with any kind of ledger. The agreement with CIT was/is a 38 month agreement with two payments of {$49.00} and 36 payments of {$630.00} dollars. These payments were made in good faith for nine months. During which time I have received no equipment or services from XXXX XXXX. I did not realize on entering the agreement that CIT would be sending a lump sum payment to XXXX XXXX as this is not stated in any part of the the agreement. I have been in contact with both the lender CIT and the company they supposedly sent money to on my behalf. Neither will provide an accounting and I have yet to receive any equipment or service from XXXX XXXX. The fact that the loan amount was not disclosed in the agreement as well as the fact that CIT never disclosed that the funds would be released in a lump sum and that I can find no where that I authorized the funds be sent directly to a third party seem to me to be a very deceptive lending practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had opened an account with Citibank with Ms XXXX XXXX at the XXXX XXXX NY location. She had promised the then running Citibank promotion of {$1000.00} for depositing {$50000.00} and maintaining that amount for 60 Days. 
As I have fulfilled the requirements already and that time frame has passed but the said promotion was never credited.

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 2020-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was looking for a photo search app on XXXX. They sent me to this app, and after a few clicks, they asked me to buy a year worth of services. They said it was a trial and I could cancel. I went to XXXX, and they had no cancel button. The charge was over XXXX dollars. I used my Simple account for the payment, but I had a XXXX balance, which I have been carrying for awhile now. I did not think they they would process they payment, and I had no money in the account to cover it. They usually will turn down payment requests. I was at the grocery store and they turned down a XXXX dollar overage for groceries, so I can't understand why they would process this payment. There was no pre authorization, They told me that the VISA company went down, and let this charge go thru. I submitted information and they told me it would be about 90 days before they had a resolution. They are still saying I am responsible for the bill. This is a bank account with no fees, and you can't overdraft. They will not remove this charge, and they are saying that I have to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
first of all i had a credit card with HH gregs company went out of business so the hh greg card was changed to home credit card with synchrony bankcard # XXXX after going in to hospital 2 months was late one time then my balance went from XXXX to XXXX i was making payments to the company every two weeks XXXX plus. i contact the company and spoke with an operator explained to her about the late payments she told me that the payments was not coming on time that i was making the payments but just was not coming in on time. so i changed my payment dates threw my bank so it would come every two weeks on time this was back in XX/XX/2020 after checking my credit report it been closed by reporting XXXX  i have some accounts that was over the limit but paying them down bellow 30 % XXXX have closed several of my accounts reporting wrong information this not faire im working on my credit every time i get accounts paid out a ccount closed reporting by XXXX i need my credit THIS NOT RIGHT PLEASE HELP ... ...

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 2020-05-24 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX Called Synchrony Bank XXXX XXXX Acct to request cr line increase. Spoke w Agent overseas in XXXX, told me it would be a soft inquiry. my limit was XXXX. He told me my request to increase to XXXX was denied. I received notification from XXXX XXXX my credit score with XXXX dropped 41 points as my limit was requested to be decreased to {$1300.00}.

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 2020-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
portfolio recovery keeps sending bills / calling at anytime they wish on a " recorded line '' asking when i can start making payments on a old credit card issued by XXXX years ago. the account when on default and charged off. my credit report doesn't even reflect this debt! Moreover, later the same company issued me a credit card. That long is has being. Today, XX/XX/2020 at XXXX ; XXXX was the latest call from Portfolio Recovery which it interrupted our religious service. I had told them in countless occasions to ceased calls and stop any mail attempting to collect this long gone debt. Their behavior has turned more into a harassing situation and needs to stop now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened an account with citi and enrolled in the Citibank {$700.00} Checking Offer. 
The requirement that stated in the offer is in the following : To earn {$700.00}, complete these required activities* : 1. Make a deposit of {$50000.00} or more ( multiple deposits allowed ) in New-to-Citibank funds into the new Eligible Checking Account and/or the new Eligible Savings Account within thirty ( 30 ) days from account opening.

2. Maintain a minimum balance of {$50000.00} in the eligible account ( s ) for sixty ( 60 ) consecutive calendar days following the date when you made the {$50000.00} deposit ( " Minimum Balance '' ). 

I have transferred the fund in XX/XX/ 2019, I was supposed to get the bonus by XX/XX/XXXX according to citi that " the cash bonus will be credited to your new checking account within ninety ( 90 ) calendar days from the date you complete all required activities ''.

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 2020-05-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have contacted Experian Agency many times before ; last time was on XX/XX/2020 and spoked to XXXX XXXX XXXX about a Fraudulent Medical claim which has been dublicated now even though was paid initially by my Insurance. Both were Unprofessional, Rude & refused to solve & investigate my claim, as it happened every time i contacted Experian. I believe that Experian does it on purpose to consumers in order to sell credit reports with negative items ( which are more expensive ) to Suprime Lenders, as many Studies proves that in addition to that 80 % of Experian Credit Reports have mistakes. Only a Criminal Enterprise will act this way, maybe they are. Obviously is known that Experian Bribes Corrupted Politicians in order to be in business and Ignore the Law, just like a Mafia. Only in America.

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 2020-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Words cant begin to express my frustration with Equifax. Ive sent multiple letters NOTARIZED, Certified, with copies of id and social security requesting validation. However, rather to responding to my concern, the company sent another letter saying their unable to locate my credit file, and to send the supporting documents for indentification purposes. EVENTHOUGH, as mentioned it was sent with the letter requesting validation. Equifax is deliberately using stall tactics and ignoring my rights for a fair investigation as a consumer. This isnt fair

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: HireRight Solutions, Inc.
State: SC

Complaint narrative:
XXXX XXXX Unknown individual in this company has reported incorrect information to a 3rd party .... ( hirerite ) ... the information they are reporting is not at all accurate ... they have pictures i sent them that shows a mudflap pulled off of the truck..they are reporting it as an accident ... ..which is false ... they are lying about it ... in order to prevent me from getting hired by another company ... because all their drivers are quitting due to poor treatment ... unpaid wages ... and a lack of any decent..ethical..treatment from management ... .they are in survival mode..and will damage a drivers work history to try to keep them from leaving..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SinglePoint GI
State: OR

Complaint narrative:
General Revenue Corp has a delinquent claim for a debt I do not owe on my credit report. 
Ive told them I do not owe this debt and requested they produce the note that says I do. 
They will not remove the bad mark on my credit. 
It feels like extortion Im taking this step before I take them to court, hoping this will resolve the problem and also show the public that they do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I received a copy of my credit report and there are accounts on it that I do not recognize.I have tried to contact the credit bureau to remove the accounts however they have denied my request to have these accounts investigated and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I received a copy of my credit report and there are accounts on it that I do not recognize.I have tried to contact the credit bureau to remove the accounts however they have denied my request to have these accounts investigated and removed.

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