vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Failed to provide debt validation as required by the Fair Credit Reporting Act, Section 609. Delete this unfair, negative, inaccurate, erroneous from my credit report.

Requested company provide the following in connection with the alleged debt : 1. To whom do you think I owe this debt and what amount do you claim I owe, and how that amount was calculated? I will need the name, address and account number for the creditor, in addition to the amount owed. If this debt started with a different creditor, I will need the name, address and account number for the original creditor, the amount allegedly owed and the date when the debt was transferred.

2. Please provide a valid basis for the alleged debt, such as the original contract between me and original creditor. Tell me the date the alleged debt became delinquent and the date the last payment was made. Prove the Statute of Limitations has not expired on this account.

3. Provide me a copy of the last billing statement from the original creditor. If any fees or additional interest charges have been added to that statement, explain how those fees or additional interest charges are permitted, either by the original contract or by law.

4. If any payments have been made on the account since the last billing from the original creditor, please show an itemized list of those payments with dates and amount paid for each item.

5. Does your agency have a debt collection license in the state of Maryland? If so, please provide the name on the license, the license number and the telephone number of the state agency that issued the license. If you do not have a license, please explain why, and under what authority you are able to collect this alleged debt.

Company has failed to provide the requested information in violation of the Fair Credit Reporting Act, Section 609.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
I am being called by Portfolio Recovery at least 5 times a day. Just today, they called me from 5 different phone numbers, a couple from other area codes! I try to block the numbers every time, but day after day, I get call after call, always from a different number! This account was settled with the origional creditor, and I hold current accounts with that bank right now. I want Portfolio Recovery to STOP calling me at al, much less 5 times a day from 5 different numbers!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX, I received a phone call from XXXX XXXX XXXX stating that they were calling to collect on a debt that is owed to Cash Central. I paid this balance to XXXX XXXX XXXX in XX/XX/XXXX after they contacted me saying that they had purchased the debt from XXXX XXXX and were now owed the debt. Every month I have had random companies calling harassing me for this same debt and I want to know why Cash Central has sold this debt to all of these companies. Half of the companies that have called me can not be verified and Im worried who has my info ( social security number, date of birth, etc ). I have received calls threatening a lawsuit from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, and now XXXX XXXX XXXX. Why do companies keep calling me about this debt when it has been paid? I explained to representative with XXXX XXXX XXXX that the debt had been paid and he told me that I did not pay. He then proceeds to argue with me and tell me he hopes I enjoy the phone calls. No, I do not enjoy being harassed! I have the paid in full letter and bank statements that show where the money came out of my account. I will not be paying the debt again. Stop contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: U.S. BANCORP
State: NJ

Complaint narrative:
XXXX XXXX ( US BANK ) ACCOUNT ENDING XXXX - COMPANY HAS DECREASED CREDIT LIMIT TWICE IN THE SPAN OF 18 MONTHS - I WILL ACKNOWLEDGE THAT MOST RECENT CASE ( XX/XX/XXXX ) IS LESS DISPUTABLE AS I MADE PARTIAL PAYMENT ON TOTAL AMOUNT DUE - I HAD PREVIOUSLY INQUIRED ABOUT PROMOTIONAL RATES OR PAYMENT ASSITANCE DUE TO FINANCIAL DIFFCULTY DURING THE PANDEMIC - THE FIRST TIME THE LIMIT WAS DECREASED ( XX/XX/XXXX ) I WAS ONE DAY LATE AND IMMEDIATELY MADE PAYMENT WHEN I REALIZED IT HAD NOT BEEN SCHEDULED. I TRIED TO RESOLVE THE MATTER WITH CUSTOMER SERVICE BUT THEY ONLY SUGGESTED TO KEEP MAKING ON TIME PAYMENTS AND THE ACCOUNT WOULD BE REVIEWED AS OFTEN AS SIX MONTHS. 18 MONTHS LATER AND DESPITE ON TIME PAYMENTS, NO CHANGES OCCURED - I REACHED THE UNDERWRITING DEPARTMENT BY WAY OF CUSTOMER SERVICE XX/XX/XXXX BUT NO CHANGES WERE MADE. UNDERWRITING EMPHASIZED IT WAS US BANK POLICY TO DETERMINE THE CREDIT LIMIT BASED ON PAYMENT HISTORY AND TOTAL CREDIT, YET MY CREDIT IS VERY GOOD AND MY PAYMENT HISTORY FOR EVERY CARD IS STELLAR, AND EVEN THE COUPLE OF INSTANCES OF LATE PAYMENT ON OTHER ACCOUNTS DID NOT RESULT IN DECREASED LIMITS

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 2021-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I am being called by XXXX XXXX at least 5 times a day. Just today, they called me from 5 different phone numbers, a couple from other area codes! I try to block the numbers every time, but day after day, I get call after call, always from a different number! This account was settled with the origional creditor, and I hold current accounts with that bank right now. I want XXXX XXXX to STOP calling me at al, much less 5 times a day from 5 different numbers!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Netspend Corporation
State: NY

Complaint narrative:
Today I received a debit card from a company called flare XXXXXXXX XXXX. I reached out to them and was informed this account has been open for a while and someone was claiming unemployment benefits under it. I requested they immediately close the account and provide me any information on the account. They wouldnt provide me any information and suggested I file a police report and inform the FTC.

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 2021-05-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: AZ

Complaint narrative:
I have made payments of {$1000.00} per month since 2010, while working for qualified employers. I have made PREPAYMENTS on my loans, and my payments were {$100.00} more than what I was required to pay. Fedloan Servicing alleges that 139 payments made in 11 years were ineligible without providing me any specific information as to how my payments were ineligible. I have asked for the dates of my payments, the amount of payment they allege I was supposed to pay, what payment plan they allege I was supposed to be on, and how they credit or did not credit my account. My loans should have been forgiven last year under the PSLF program or the TEPSLF program. My payments were made ahead of time and above the amount required. I want a DETAILED response explaining why they have not credited my 139 payments ( only 120 are needed )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: AZ

Complaint narrative:
To Whom it may concern : I am sending you this complaint in hopes that you can assist me with getting TransUnion to report correct information on my credit report. I keep telling them I have no idea who opened the account with XXXX XXXX. I never signed any contract or agreed to conduct business with them. Please delete XXXX XXXX from my report and the following inquires XXXX XXXX XXXX XXXX. I keep contacting them and they give me the same excuse each time that it is being sent for review but the outcome is never deleted.

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 2021-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr. Cooper cleared our check for the next year 's mortgage payments ( {$25000.00} ) and has failed to have the amount posted to our account. We have received no explanation for what happened to the funds. 

On XXXX XXXX, the following email was sent to Mr. Cooper via email : Good Morning, My check [ # ] dated XX/XX/XXXX for {$25000.00} cleared my bank account on XX/XX/XXXX for monthly payments from XX/XX/XXXX to XX/XX/XXXX. I was told to contact this address to get the amount posted to my account. 

On XXXX XXXX, the following was sent via email : This is a qualified written request under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ). 
I am writing to get my payments from XX/XX/XXXX to XX/XX/XXXX paid by check [ # ] for {$25000.00} and cleared my account on XX/XX/XXXX to post to my account. 
Attached is a copy of the check. 
My email sent yesterday has not been acknowledged or responded to. 
I understand that under Section 6 of RESPA you are required to acknowledge my request within 20 business days and must try to resolve the issue within 60 business days.

Account No.... 

On XXXX XXXX, we were given a POC [ XXXX ] from the " executive resolutions team. '' He was " still working on it '' as of XXXX XXXX and has not responded to further emails as of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Midland finicial funding keeping reporting on my credit the wrong info thos case was closed and needs to be river from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I had my bank account liked to coinbase. Someone hacked my account and made unauthorized transactions to coin base worth about XXXX dollars and then transfer those funds/crypo to their own wallet. 

i am at the loss of XXXX dollars now, I tried to get in contact with coinbase and they were no help. 

i also asked my bank tp help recover my money as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am trying to refinance. On XX/XX/2021 I went online to unfreeze my accounts with XXXX Equifax, And XXXX ( unlock ). I have spent over 4 hours changing passwords, speaking to technical support reps and technical support supervisors. Two technicians unfroze my account twice on Equifax, confirmation numbers XXXX XXXX and XXXX XXXX. XXXX was the worse. I had to log in to TrueIdentity and could not unlock my account and 3 technicians werent able to do either. So my situation was escalated up to a supervisor name XXXX who said she had unlocked my account. My loan officer was still not able to access my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: AZ

Complaint narrative:
I was a victim of identity theft and I sent a letter to the 3 credit bureaus with the police report and ID theft affidavit to have the unauthorized accounts and inquiries removed from my consumer report. This was done XX/XX/2021. XXXX XXXX completed the removal of the unauthorized accounts, however XXXX  and Equifax still has the items on my reports. The results of the investigation by those bureaus was sent to me as verified. I have reached out to them to provide physical proof and provide the method of validation and they still havent responded. I need these erroneous and unauthorized accounts to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I sent a cease and desist letter. I have ask for an itemized statement of what they say I owe. No response and they keep harassing me. 
I have sent an invoice of the amount they owe me due to violations. They have sent numerous letters, emails, text messages, and phone calls using threatening language ( 15 USC 1681 ) that my account will be charged off etc. Because of their reporting they have also ruined my reputation by reporting to the credit bureau without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synovus Bank
State: GA

Complaint narrative:
First Progress Credit Card. This account is closed and paid in full. I disputed the account through XXXX asking them to remove the account from my credit report because it is having and adverse affect on my credit scores. I received a message saying they verified the information was accurate. I was not disputing any inaccuracies I simply wanted the account removed because its old and closed and I have no desire to ever open another credit account with them therefore I would have liked for them to remove this information from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank NA. unauthorized, has taken my personal information : Name, Address, Social Security Number.

D.O.B.

Drivers License info and opened 68 fraudulent checking and debit card accounts.

I am not a Citibank customer.

I had reached out to the Citibank Executive Response Unit on XX/XX/18 and have a case number. 
I have filed O.C.C. complaint and have a complaint number. 
I filed a Federal Trade Commission complaint and have a complaint number. 
I have filed a complaint to Postal Inspection because these were mailed to my home. 
I currently have all Debit Cards, Check Books, and PIN envelopes that were mailed to me via first class mail from Citibank. Can you help me with this? I would like to know how my social security number was used to open these accounts online. 

Thanks in advance. 
Frustrated, XXXX XXXX XXXX XXXX XXXX cell

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 2021-05-12 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: AZ

Complaint narrative:
To whom it may concern : I have been trying to get this issue resolved for months. Experian keeps giving me the run around. I completed a dispute and they did nothing but gave me an excuse why they did not address my concern. I have told them time and time again that this is not my account I have never opened an account with XXXX XXXX and I have no idea who did. I also have several other attempts on my credit report where someone tried to open an account at XXXX XXXX XXXX and XXXX CARD. Please help me get my credit report to show the correct information and delete these things.

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 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I try to get all three of my credit history from Equifax XXXX  XXXX  and it's saying that my home address is XXXX XXXX XXXX XXXX XXXX Nevada XXXX I don't know who address that is or who it belongs to but that is not mine and every time I try to file online with that information or to give my personal correct information it won't go through I'm going to circles and having problems to be able to correct all these information I started on XX/XX/XXXX of 2021 all the way through XX/XX/2021 up until today XX/XX/2021 I put a fraud alert and I put a freeze on all three at least I tried to

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: Paypal Holdings, Inc

Complaint narrative:
I sold some trading cards to a reputable store, they sent me the money I was owed via PayPal, upon receiving the funds In my PayPal account I got sent an email saying I can no longer do business with PayPal and that they will be holding my PayPal balance for 180 days. Ive purchased items with PayPal and have sold items with PayPal, never had any problems before and have done nothing wrong, I am confused and have tried getting in contact with PayPal numerous times on the phone but I just get fed generic response after generic response. When I ask to speak to a supervisor I get placed on hold for hours and no one ever answers me. This has to be some kind of mistake as I have done nothing wrong to my knowledge to justify them holding my funds for 180 days. My PayPal email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I did not consent to this negative and inaccurate information to appear on MY credit/consumer report. Please remove!

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 2021-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I did not consent to this negative and inaccurate information to appear on MY credit/consumer report. Please remove!

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 2021-05-12 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I did not consent to this negative and inaccurate information to appear on MY credit/consumer report. Please remove!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
My husband died on XX/XX/2020. We had a joint checking account at Capital One. I husband had 2 credit cards with Capital One. The credit cards were closed soon after my husbands death. I paid the the balance off on the agreed amounts to settle the credit cards 2 months ago. Capital One continues to collect {$300.00} at the beginning and end of each month. I have been unsuccessful in stopping this action. I have been told that these allotments were set up through Capital One Bill Pay. I have tried to stop Bill pay on online. I have spoken to several representatives. No one seems to be able to solve this problem. I have even faxed them copies of the checks and a receipt indicating that the loan is satisfied. 
I need reimbursement for the funds that were deducted after the credit cards were paid off. 
Please help. I am grieving the loss of my husband of 47 years and he served our country for 26 years in the XXXX XXXX. 

Please help. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation