vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-11 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Inquiries that have no permissible purpose to appear on my credit report XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX I'VE CONTACTED EACH COMPANY AND THE EXPERIAN, XXXX  XXXX XXXX AND ASK FOR PROOF THAT I CONSENTED TO THIS INQUIRIES WELL AS THE ACCURACY OF THESE INQUIRES AND I SENT BACK AND FORTH IM NOW REQUESTING DELETION

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 2020-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I selected to pay the full statement amount to the credit card in my account. However on XX/XX/2020 the system only charged me {$35.00} which is the minimum payment. And I was charged {$43.00} as interest. Given that I paid the full amount as soon as I noticed the issue, the bank still refused to refund the interest.

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 2020-12-11 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: TX

Complaint narrative:
In XX/XX/2020 I pulled my credit reports from the bureaus and they contained innacurate personal information and social security number variations that did not belong to me. I contacted all bureaus to confirm security freeze on my files and update my personal information and dispute all inaccurate information. I disputed a Company MIDLAND CREDIT MANAGEMENT INC for {$2000.00} ( original creditor XXXX XXXXXXXX credit card ). After sending dispute to both Midland and the original creditor, XX/XX/2020 I recieved a letter from XXXXXXXX XXXX that they recieved my dispute and attached a document. The document attached was a letter from the original crditor that was sent to an address that does not/has never belonged to me stating that the debt was sold to MIDLAND CREDIT MANAGEMENT INC. XX/XX/XXXX, I sent a second written request to MIDLAND CREDIT MANAGEMENTINC for validation of the debt requesting original signed contracts and an agreement from me that consented to the sale of this debt and any contracts connecting me to this debt. I recieved no response. I continued to recieve harrasing phone calls several times a day from various numbers to my cellular phone from MIDLAND CREDIT MANAGEMENT INC and at my place of employment even after the request to cease and desist was included in dispute letter # 1 and 2.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi checking illegally charging me fees even when my balance was always more than their minimum requirement

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 2020-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Gordon, Aylworth & Tami, P.C.
State: OR

Complaint narrative:
Calling from multiple nuumber trying to use same city area code. Willing to submit call logs. Causing me to have to go to see my XXXX XXXX XXXX. Threatening to sue me

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Dr Sirs, I Am contacting you in regards to Shellpoint original # XXXX ditech acc # XXXX they have written letter # XXXX that will be attached .In this letter dated XX/XX/XXXX from their recovery dept .that this account will referred for additional collections .from that date have been contacting via phone leaving messages twice a week since then. 
This XXXX # XXXX was DISCHARGED in XX/XX/XXXX with the then note holder Conseco.Furthermore in the decision past down from supreme court of new york county of XXXX county in XX/XX/XXXX with green tree and was granted relief therefore contract is null and void now .They were granted seizure of collateral .Greentree serving llc did not due diligence in perfected the seizure of collateral with XXXX county court and XXXX county sheriff dept as is per New York state law. 
It is further noted in letter that Shellpoint mortgage servicing said to advised that they CAN NOT bring legal action to collect this debt or threaten to do so in state of ny due to statute of limitation has expired however they keep calling and sending mortgage statements .Furthermore they state in said letter that they may report to credit report bureaus. 
As stated earlier that this dept has been discharged in federal bankruptcy court 19 years ago.we no longer have any responsibility for said debt.they are trying to collect on and would be a violation for bankruptcy court.Debt collectors can not try to collect on debts that were discharged in bankruptcy. Once the debt is discharged by the bankruptcy court, the discharge permanently bars the creditor or debt collector from collection of the debt.we have also contacted the credit bureaus to have it removed once already CFPB # XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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: Avant Credit Corporation
State: OH

Complaint narrative:
An account was opened with Avant on XX/XX/2016. It then went delinquent and was sold to a debt collector. The debt has been paid at a higher amount and several other debt collectors are still attempting to collect. Avant- is still reporting the account on XXXX  and is also being reported by other debt collectors. 

I have disputed this inaccurate information with the XXXX  and it continues to be verified by Avant with inaccurate information to include ; date opened, date closed and delinquent information. 

I would appreciate if Avant would delete all information from XXXX  as it has negatively impacted my credit score that then caused hardship in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Repeated calls 3 to 4 times Daily includin Weekends, for the past 3 years! 
PORTFOLIO RECOVERY continues to ignore my requests to stop calling me!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
I had a loan with Quicken Loans ( loan 1 ) and then refinanced to a second loan, also with Quicken loans ( loan 2 ). I closed on loan 2 on XX/XX/XXXX, satisfying the obligation of loan 1. Payment on loan 2 was not due until XX/XX/2021. 

On XX/XX/XXXX, a payment was drawn against loan 1 ( which was paid in full ). I did not have sufficient funds in the related account, given no payment was due on any loan I had with Quicken. The payment NSF and overdrew my related checking account. The transaction eventually did not settle. I cancelled authorization for autopay on XX/XX/XXXX on the fully paid loan 1. 

On XX/XX/XXXX, Quicken attempted to re-draw the payment on loan 1, despite this loan being closed and paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUN LOAN COMPANY INC.
State: IL

Complaint narrative:
Company is calling references to collect my debt. Informing family members and friends of my debt and harassing contacts and myself daily although they have been asked to stop calling. They were asked at contract signing to not call my references to collect a debt and they have still done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Inquiries that have no permissible purpose to appear on my credit report FDCommunity XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX I'VE CONTACTED EACH COMPANY AND THE XXXX, XXXX  XXXX TRANSUNION AND ASK FOR PROOF THAT I CONSENTED TO THIS INQUIRIES WELL AS THE ACCURACY OF THESE INQUIRES AND I SENT BACK AND FORTH IM NOW REQUESTING DELETION

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 2020-12-11 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: PA

Complaint narrative:
Inquiries that have no permissible purpose to appear on my credit report FDCommunity XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX I'VE CONTACTED EACH COMPANY AND THE XXXX, EQUIFAX XXXX XXXX  AND ASK FOR PROOF THAT I CONSENTED TO THIS INQUIRIES WELL AS THE ACCURACY OF THESE INQUIRES AND I SENT BACK AND FORTH IM NOW REQUESTING DELETION

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I called XXXX XXXX XXXX customer service asking for COVID-19 relief since my finances were impacted due to reduced hours at work. 

Unfortunately, a customer representative named XXXX told me that unfortunately the credit card issuer is not offering any kind of relief. 

This is embarrasing, as I didn't ask my employer to cut my hours. Synchrony is putting their interests and greediness first before their customers. It is disrespectful in the middle of a pandemic.

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 monetary relief
Consumer complaint received 2020-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I purchased two cashiers checks in XXXX of 2014 in the amount of XXXX each from CHASE bank in Florida.. The checks state Void after 7 years directly on them. On XX/XX/XXXX I attempted to deposit these checks into my XXXX account and within a week I received a letter that Chase stale dated the checks, although it has not been 7 years. The legal copies of the checks were also sent in the letter. I went into the Chase branch and spoke with XXXX XXXX XXXX at the XXXX Branch who can be reached at XXXX who indicated he could not cash the checks for me because Chase released the funds to Ohio where I never resided. He could not tell me why Chase released my funds even though the checks state Void after 7 years and it has only been 6. He indicated that he would escalate the complaint to a different office in attempts to get permission to reissue the checks because Ohio does not have record of my funds. Once escalated to a Chase representative complaint specialist I heard from a XXXX XXXX who told me over the phone she would attempt to have the compliant resolved in one week in attempts to reissue the checks .In attempts to call back for information it was discovered that you can not reach this person directly. You have to leave a message on a main message line at XXXX extension XXXX and wait for them to call back which is difficult when working all day. Today, after giving this bank one month to fix this problem XXXX from the branch indicated that he received an email from XXXX that my checks could not be reissued the money has been released to Ohio. Ohio however ; has no record of my funds I have been going through this for over a month with numerous calls made to XXXX in the Florida XXXX in Florida and XXXX in the complaint escalation department. The checks clearly state Void after 7 years and Chase on their own website state that before they send money to unclaimed funds they will make attempts to reach you and send the money to Florida unclaimed funds, not Ohio. They state that it would be sent to the state the consumer resides. I feel the bank should reissue the checks as the money came out of my own account, the checks state void after 7 years and I have been a Chase customer for 20 years and still remain their customer. They could have contacted me as it states on their website and they did not. I feel they are not taking this problem seriously, they continue to bounce me back and fourth to different representatives and nothing has been resolved. During this process I also was in contact with XXXX XXXX who submitted a written compliant for me who can be reached at XXXX in which I never heard anything back but her and her boss indicated that they had never seen this before. I am not understanding why a check would state void after 7 years if it is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
XXXX XXXX company is trying to charge me {$3700.00} after I never received a computer that was left on my porch on XX/XX/XXXX and somebody stole it from me. I tried to communicate many times to XXXX XXXX to help me with this problem and they refuse to give me a refund or a replacement after I sent them the police report. So I needed to filed a dispute with my bank to get my money back. Now, after 6 months they send me to collection for something that I never received expecting me to pay them this amount. Even though I have no credit card or account with them, they are sending me to collection because an online order.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I requested that this company validate the debt by asking for certain documents including the following ... agreement with the original creditor that authorizes you to collect on this alleged debt the original contract bearing my signature stating that I have agreed to assume the debt, the debt agreement stating the amount of the debt and interest charges, the complete payment history on this account along with an accounting record of all additional charges being assessed, proof that the company is licensed to collect in my state, which is Alabama and the license number and Registered Agent for my state, which is Alabama. I did not receive documents that validates this debt. In addition the company is reporting this account differently with all three credit bureaus, which I disputed and the company verified. Different information with three different companies can not all be accurate so it is very clear that the company verified inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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: GLA Collection Company, Inc.
State: OH

Complaint narrative:
On XX/XX/2020, GLA COLLECTION COMPA add a derogatory mark on my credit reports. GLA COLLECTION COMPA did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
My complaint is simple. PayPal has no customer service support. The support phone number automatically hangs up on you. There is no way to directly contact a representative of Paypal. I have an issue with a money transfer and for 3 days I have been unable to contact any support people. I feel like a service that handles money should have a representative to handle problems with their service and my money. Paypal does not have this option. So they have my money and i have no way of talking to anyone, their online chat people cut and paste the same thing repeatedly even though I keep telling them it isn't helping they refuse to provide any contact information to directly contact Paypal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am writing regarding a direct deposit that was issued to my account that does not belong to me. I have repeatedly called customer service to advise them that this direct deposit was incorrectly posted to my account but they do not understand. American Express needs to return this deposit back to the originator as soon as possible. 

The deposit was posted to my account on Friday, XX/XX/2020 in the amount of {$2800.00} from Government Direct Deposit. American Express should check the INDN, this does NOT belong to me and I inadvertently used the funds that were made available. Please debit my account and return it back to the sender.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Upon checking my credit I noticed that this collection had been added to my report! I have never heard of this debt collector. I have not been contacted or notified of any debt that has been listed with this company. They sent me no correspondence advising that they own the debt, who the creditor was nor advised of my option to dispute the debt. I called the company 8 times within the last 60 days. ( Calls were recorded )! To find out more information and to dispute the account. I was transferred amongst departments, no information was given. They attempted to fraudulently ask other questions not pertaining to the debt like if I'd moved in the last 12 months, what my previous phone numbers were, if I'd used any other name variations besides my actual name, if I've married or divorced any aliases I might have used and other unprofessional questions rather than just to advise me what the debt was for. I felt insulted and harassed. The Fair Debt Collection Practices Act states that a debt collector must send the consumer a written notice containing the amount of the debt, name of the creditor and a statement stating they have 30 days to dispute the validity of the debt or the debt will be considered valid by the debt collector. Failure by the consumer to dispute the debt within that 30-day time period is not considered an admission of liability. If the agency doesn't follow this process then they have no rights or grounds to collect or report the debt to any credit bureaus and must immediately remove the debt from the consumers credit report. The company didn't contact me within 30 days of assuming the debt and has therefore violated my rights so this needs to be removed from all 3 credit bureaus! I do NOT give the company permission to contact me via telephone, an employer, email or any other means except by US Mail. I have never done business with a company called Midland Funding nor have I ever signed a contract with them so this debt is fraudulent and frivolous. It needs to be deleted effectively immediately with all major credit bureaus. No collection agency can report past due balances, dates of past due balances or payment history. This company has violated several FCRA regulations. Delete immediately or I will contact my attorney to proceed with legal action. This account does not belong to me! I have no idea who this company is. Delete any and all of my contact information effective immediately. DO NOT ATTEMPT TO EMAIL ME! DO NOT ATTEMPT TO CALL ME! DO NOT ATTEMPT TO CALL RELATIVES! DO NOT ATTEMPT TO REACH AN EMPLOYER! SEND ALL CORRESPONDENCE AND PROOF OF DELETION TO MY MAILING ADDRESS ONLY! DO NOT ATTEMPT TO CONTACT ME OR ANY OF MY FAMILY MEMBERS VIA TELEPHONE, EMAIL OR EMPLOYER!

Company response to consumer: Closed with non-monetary relief