vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: WV

Complaint narrative:
I have {$1500.00} in XXXX gift cards. I added a few of them to my XXXX account and to my XXXX account. When I try to pay using either of these applications using the XXXX gift card as the funding source the transaction is declined. I contacted XXXX by calling ( XXXX ) XXXX. I was told that they do not allow their gift cards to be used on these applications for purchases. I use gift cards due to safety reasons and I find this companies restrictions unacceptable. How can they pick and choose what online purchases will be accepted. These are from U.S. Bank. Inside of the package is a cardholder agreement that says nothing about restrictions for these applications. I have the receipts where I purchased these cards from XXXX XXXX of course there are no refunds on 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 explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This bureau has been contacted several times regarding these inquiries in order to have them removed from my credit report. Even when I called them, they ignored my complaints, and then challenged me to file a complaint with the FTC or Consumer Financial Protection Bureau ( CFPB ). I did file my complaint to FTC and still, they don't delete these unauthorized inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debt Account Name : XXXX XXXX XXXX Account was opened : XXXX Account Number : XXXX Account Balance : {$140.00} Account Name : XXXX XXXXXXXX XXXX Account was opened : XXXX Account Number : XXXX Account Balance : {$110.00}

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 2022-02-26 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 
Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debt Account Name : XXXX XXXX XXXX  Account was opened : XXXX Account Number : XXXX Account Balance : {$140.00} Account Name : XXXX XXXXXXXX XXXX Account was opened : XXXX Account Number : XXXX Account Balance : {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation
State: NJ

Complaint narrative:
XX/XX/XXXX I lost my job due to Covid. I made payments still until things got a little harder to manage. Ive been paying on my car for almost 4 years without no problems until Covid. By XX/XX/XXXX after XXXX my car was repossessed because I was 3 months late on payments. I paid for my car back. I was hoping they would understand the financial struggle people are having. Instead they closed my account. In which I had already paid off the bank loan but now Im just paying off what left for the vehicle its self. They dont honor their customers. They definitely should be reporting to the XXXX XXXX XXXX. I dont like the report that was left on my credit report from Bridgecrest XXXX The account shouldnt be closed because Im still paying them and Im in possession of the car which is a XXXX XXXX XXXX. Plus Ive paid nearly 75 % percent of the loan off. Unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
This balance represents fraudulent transactions on a XXXX XXXX issued credit card for XXXX XXXX. XXXX was the predecessor to Midland Credit Management. The fraudulent balance, after XXXX XXXX shut its doors in XXXX or XXXX of 2020, was {$58.00}. To be clear, my actual charges to the card in question were paid in full when the company closed. In dealing with XXXX to try to resolve the fraudulent balance of {$58.00}, I was told, by the customer service department, " Ordinarily, we would be able to waive these charges, but, since XXXX XXXX is out of business, we can't. '' So, although, the transactions were fraudulent, they would not waive them because the company was bankrupt and out of business. It is still unclear how that equated to me needing to cover the expense. Every few months, I would dispute the charges with the credit bureaus, XXXX would lower the balance, then, the process would start all over again. Prior to the account being sold to Midland Credit Management, it had once again bloomed to {$370.00} which includes interest and late fee. I explained this long, drawn-out history, repeatedly, but Midland refuses to acknowledge it. In fact, in a demonstration of utter ignorance and a sheer lack of common sense or maybe with specific intent to be obtuse, Midland 's representatives ' solution was to send a copy of the bill showing the balance of {$370.00} as their version of proof that the charges are mine! I do not understand how these tactics are legal. How can I be forced to pay for documented, demonstrably fraudulent transactions? For a company that is no longer in business? On charges which, most likely were written off in the companys bankruptcy proceedings? How can Midland slither into this issue and ignore the prior history while demanding full payment?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I was called to XXXX XXXX in XXXX, by law my loans were supposed to be deferred. I did not come off XXXX XXXX until XXXX. I was in XXXX from XXXX to XXXX XXXX law I am entitled to have a six month grace period. My payments would have started in XX/XX/XXXX. 
XXXX : 1 month XXXX : 2 month XXXX : 3 month XXXX : 4 month XXXX : 5 month XXXX : 6 month My first bill should have been due XXXX XXXX. Navient is refusing to honor my 6 month grace period. They stated I used my 6 months while I was on XXXX XXXX which they cant do because my loans were already deferred due to my XXXX XXXX XXXX. Navient is unable to provide the history of my loan as well so they can tell me exactly when the 6 months were used. XXXX said due to it being with another provider they are unable to provide exact dates and times to verify. Navient has placed a delinquent payment on my credit report for XX/XX/XXXX when my account was supposed to be in the 6 month grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Contacted the company about this account and their main headquarters wrote me back a letter telling me after looking up the account, they could not locate it on file. I am attaching that letter written directly by them. Since they could not locate the account, I demand this account be removed immediately from all credit reporting agencies as this account is causing harm against my name by reporting negative on record. 

this was noted in their response they sent me " Based on the information provided in the complaints, we were unable to locate the corresponding accounts. '' with that information alone, this account should be deleted now.

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 2022-02-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
It keeps reporting as charge offs. I have mailed several disputes and you see no changes!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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: MI

Complaint narrative:
Midland credit management its not my first complaint about them so I am not surprised that they came back full force at me. I dont have the date of the call. But their associate immediately picked up and put me on hold. Putting a Supervisor on the phone to inform me of YET AGAIN MCM calling. Informing them acronyms are against the law. I was not informed my phone was being recorded anymore either. Especially after my last complaint, how they judge can order phone records. They have 7 of my collection accounts. They again said we are attempting to collect a debt I wasnt aware another person 3rd party individual could tell a consumer they owe debt? Violation # 3 Im up to XXXX in this phone call MCM. I offered a great deal remove the accounts and Ill call it even. Now I want my check in the mail I dont agree to settle. They already had put everything back onto my credit report HOW DOES A DEBT COLLECTION AGENCY START LATE PAYMENTS OVER? Im confused? Thats right THEY DONT. ILL SEE YOU IN COURT.. MCM. XXXX has a lot of explaining to do. Make sure they are really verifying your information and reporting accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-26 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have reached out to have these items removed reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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: FL

Complaint narrative:
It keeps reporting as charge offs. I have mailed several disputes and you see no changes!

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 2022-02-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It keeps reporting as charge offs. I have mailed several disputes and you see no changes!

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 2022-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC
State: TX

Complaint narrative:
I've already reported this company before, and they said they put me on a Do Not Contact list, but they still call repeatedly.

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 2022-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have reached out to have these items removed reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts

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 2022-02-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIZENS FINANCIAL GROUP, INC.
State: IN

Complaint narrative:
CITIZENS BANK BROKE THE LAW AND COMMITTED IDENTITY THEFT!!!!! PLEASE READ! 

Citizens bank has broke the law and continues to violate my federally protected consumer rights under the FCRA AND FDCPA. On XX/XX/2022 XXXX XXXX stole my vehicle through an illegal repossession by XXXX XXXX XXXX XXXX XXXX XXXX on behalf of Citizens Bank. I never signed any contract with XXXX XXXX XXXX  or XXXX XXXX. I never gave consent for Citizens Bank to share my personal information with either of these companies. No consent is IDENTITY THEFT! Not only did I not give consent to share my information but upon doing research into XXXX XXXX XXXX I found that this company runs skip traces on consumers. I have provided a copy of the " alleged contract '' and no where in it does it mention XXXX XXXX XXXX XXXX XXXX or being subject to a skip trace. After this direct violation Citizens bank failed to send proper notification of repossession, notice of sale and the deficiency notice to me which they admit to in a letter I attached. In a letter I have a attached from XXXX XXXX she states that the vehicle was repossessed on XX/XX/2022 but I have provided proof from XXXX XXXX that the vehicle was in fact repossessed on the XXXX. In a letter I have attached XXXX XXXX shows a call on XX/XX/XXXX in which I spoke with a representative. That was the day after repossession and I gave the agent my updated address which was XXXX XXXX XXXX XXXX, XXXX XXXX. I have provided proof that citizens bank did in fact have my updated address from a letter sent pertaining to a copy of the " alleged contract '' I requested. I have become aware that Citizens Bank was involved in a class action lawsuit for failing to send proper documents to consumers. After filing a complaint on citizens bank they responded with a letter I have attached and demanded payment. In this letter they state that they are attempting to collect a debt but do not give notice that I have the right to dispute the alleged debt. In this letter they mention XXXX XXXX XXXX. Again Citizen 's Bank has committed identity theft by sharing my personal information without my consent. In the " alleged contract '' provided I never signed anything with XXXX nor are they mentioned. In this letter Citizens bank tries to collect two different amounts {$9500.00} and {$7400.00} but neither of these numbers reflect what's being reported on my credit report. Citizens Bank is in direct violation of my consumer rights and should be held accountable. XXXX XXXX states that Citizens bank must adhere to the fair credit reporting act but they are directly in violation of the law. I never gave written consent for this trade line to report in the first place nor was I given notice that I had the right to keep my information private. I believe that Citizens Bank committed conspiracy to keep required documents from me as well as produce fraudulent documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BMW Financial Services NA, LLC
State: MD

Complaint narrative:
My husband and I purchased a XXXX XXXX XXXX from XXXX of XXXX on XX/XX/XXXX. I contacted the Dealership to cancel the Tire and Wheel Warranty, completed and submitted the paperwork to the dealership on XX/XX/XXXX. Per XXXX XXXX the Finance Manager the paperwork was complete and was submitted to the vendor to process the cancellation. When I called the dealership to follow up, I kept getting the run around or no response to my messages. Once I was able to contact the vendor, I was told that cancellation of the warranty had been processed and funds were sent back to the dealership on XX/XX/XXXX. For the next few months, I made numerous calls and emails and at least 3 trips to the Dealership to try and get answers. I was told that the cancellation was processed but that it just hadn't appeared on my account yet. I reached out to XXXX XXXX, the sales person for assistance with trying to reach XXXX XXXX XXXX, the Finance Manager. All I got from XXXX was a bunch of excuses about the problems they were having with their change in ownership which now had become our problem. On XX/XX/XXXX, I received an email from XXXX XXXX see attached ) confirming the cancellation and that it should appear on my next statement. On my 3rd trip to the dealership in XX/XX/XXXX, I asked to speak to the Sales Manager. XXXX XXXX XXXX XXXX XXXX, the Sales Manager again offered a bunch of excuses and promised to follow up. I was told that they had received the funds from the vendor but didn't know where the money was. My last communication from XXXX was an email on XXXX XXXX again trying to demonstrate to me that the problem was with the accounting dept from the previous owner. And they were trying to figure out how to get the money back from the previous owner before they credited our account. Again not sure why their accounting issue was our problem. If was obvious that the statement from XXXX that the credit was going to appear on my next statement was a lie because they were trying to get the money from the previous owner. 
It has been almost 6 months and this issue has not been resolved. I have checked my XXXX acount numerous times and it still has not been credited for the cost I paid for the warranty or for the interest I have continued to pay on this warranty even though the warranty was cancelled on XX/XX/XXXX. I am beyond frustrated. I want the {$1800.00} for the warranty that I never used to be credited to my account along with the interest I have paid since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: OR

Complaint narrative:
My money was stolen by a duplicate/ copycat website and cash app simply Said it was irreversible and they open a claim and closed it right away and I had no idea I open a claim and now its close. so I didnt even get a chance to state my case thanks for your help. The total amount taken was almost XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, OH XXXX This is in regard to the following account numbers : XXXX XXXX XXXX I disputed this account with the company and a letter was sent back from there office that they could not locate the account on file and are asking me for more information. I demand that since they clearly could not locate the account, this account needs to be removed from all credit reporting agencies immediately. I demand this be removed just from their response alone. their time to locate the account and validate it was used and they responded with their findings, with that information I demand removal from my file asap. 

This is direct response from the company " XXXX tracks all accounts utilizing the primary borrowers Social Security number and/or the complete account number. Based on the information provided in the complaints, we were unable to locate the corresponding accounts. ''

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