vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AmeriCollect
State: NV

Complaint narrative:
I sent out a dispute letter in XX/XX/2022. I requested to validate the medical debt and informed them of a HIPPA violation as they sent my information containing sensitive information I did not authorize to release. Their response to me was that my dispute was deemed frivolous or irreverent They also did not validate the debt or confirmed if they are a legitimate business or legally allowed to collect debts in my state of Nevada

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Cash Link USA, LLC
State: TX

Complaint narrative:
Due to having identity theft, I'm requesting that all interactions and correspondence be done through postal mail and not through phone calls and email. My identity and finances have been compromised and I can not have any communication through phone calls or email. I have police reports showing that I have been compromised in my bank account and in my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm being held back from a judgement on ( 1 ) credit reporting agency. Experian is reporting a foreclosure on my report and XXXX XXXX will not allow me to refinance my home with a foreclosure on my record. I disputed this matter, sent in 12 months of clean payment history and my modification plan for Experian to confirm that my mortgage company is NOT removing the foreclosure code. The other ( 2 ) reporting credit agency are coding late payments and have NO record of a foreclosure on my credit report. I'm being judge and denied for something that did NOT take place. I never been through a foreclosure. I own the house that is being reported as a foreclosure. My mortgage company, XXXX XXXX XXXX has inaccurate information on my credit profile and its impacting my livelihood. I spoke with Experian and they saw the inaccurate reporting and agreed to submit another dispute after the no change status from my first dispute to resolve this matter. I'm not being treated fairly with labeling me with something that did NOT take place. This is negatively impact me and my ability to provide for my family. I'm simply asking if the coding can be consistent with the other ( 2 ) reporting agencies and simply code as late payment and NOT a foreclosure. I'm seeking assistance for someone or agency to work with me to resolve this matter with a sense of urgency. I greatly appreciate the understanding and assistance.

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 2022-06-06 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
On XX/XX/XXXX I created a Virtual Account Number ( ending in XXXX ) to make an online purchase. I utilize Citis Virtual Account Number feature to set up disposable card numbers to make online purchases to guard against my actual card number being stolen. I had set the expiration date as XX/XX/XXXX and set the spend limit as {$40.00}. On XX/XX/XXXX I received a text and email from Citi asking me to call their Fraud Dept. I discovered that the Virtual Account Number I had created had been used fraudulently. I called Citi and the representative deactivated the Virtual Account Number, but then also told me I had to cancel my credit card and get a new card. I dont understand why I would have to cancel the card the thieves did not have my actual credit card number, they only had the Virtual Account Number. Multiple other charges were attempted using the Virtual Account Number, but they were declined because they were over the {$40.00} spend limit I had set. Only 3 charges, each under {$40.00}, actually posted to my account. I talked to 3 representatives and they all told me the same thing I had to cancel my credit card. This is a hassle because now I have to go contact merchants I have set up for auto-bill and change my card number on file. Why do I have to do this if the Virtual Account Number has been closed? The Citi representative told me I could not dispute the charges that were made if I did not close my card. Reluctantly, I agreed to just close the card. Now it is a week later, and only one of the charges that posted to my account actually shows up as in dispute even though I talked to multiple representatives, told them the 3 charges associated with Virtual Account Number ending in XXXX were not mine, and agreed to close the account, they didnt even flag all 3 charges as disputed and Im not able to do it myself online because I get an error message that I have to call them. Ive already spent 1 hour and 33 minutes on different phone calls with Citi and I can not invest any additional time into this matter. I am extremely frustrated that they made me cancel my card even though all the charges ( and attempted charges ) were made using the Virtual Account Number that has been deactivated. Citi call center representative obviously do not understand the product offerings, to the detriment of Citi customers. The entire point of a Virtual Account Number is so that it can be used to make purchases online and if the number is compromised, its easy to deactivate and you dont have to cancel your actual card.

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 2022-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Eaton Group Attorneys LLC
State: LA

Complaint narrative:
The original debt was a charged off credit card was a credit card opened in XXXX of XXXX and should have been part of a community property debt. The original credit limit was {$500.00}. Sometime at the end of XXXX the Eaton Group purchased the debt and filed a lawsuit. I was never served or notified of this suit and the judgement was entered when courts were closed due to Covid. Looking at the local XXXX XXXX XXXX complaints it appears 100s of judgements were forced at this time. My employer was served a wage garnishment and originally I didnt even know what the debt was. At the time my employer was XXXX XXXXXXXX XXXX XXXX. Between Child support and this Garnishment my final check with XXXX XXXX XXXX XXXX 90 % of my check was taken which exceeds legal limits. I was ultimately laid off from XXXX XXXX XXXX XXXX because of Covid, but began new employment with XXXX XXXX XXXX XXXX. This employer was served the wage garnishment by the Eaton Group. The amount of court costs is constantly increased along with interest. My family court attorney has contacted the Eaton Group as I have and phone calls and correspondence are not responded to in timely manner and the company is unreasonable with their. Collection practices. The Original Judgement was XX/XX/XXXX in the amount of {$3500.00}. To date in XXXX alone my pay check has been garnished {$2100.00} and my previous employer had garnished at least {$800.00}, my attorney has that check stub at the moment and I am in the processes of receiving. Yet my balance owed on this judgement is still {$2900.00}. I have paid over 300 % of the initial amount borrowed in 3 years. The address for The Eaton Group on behalf of XXXX XXXX is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX. Phone number for the Eaton Group is XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
I Consumer Wright entered into a consumer credit transaction with XXXX of XXXX XXXX on XX/XX/2020. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX of XXXX XXXX took cash. The Finance charge is supposed to include insurance, but XXXX of XXXX XXXX made me purchase insurance separately. 

It is Fact that pursuant to 12 CFR 1026.23 ( b ) ( 1 ) In a transaction subject to rescission, a creditor shall deliver two copies of the notice of the right to rescind to each consumer entitled to rescind ( one copy to each if the notice is delivered in electronic form in accordance with the consumer consent and other applicable provisions of the E-sign Act ). The notice shall be on a separate document that identifies the transaction and shall clearly and conspicuously disclose the following : ( i ) The retention or acquisition of a security interest in the consumers principal dwelling.

( ii ) The consumers right to rescind the transaction.

( iii ) How to exercise the right to rescind, with a form for that purpose, designing the address of the creditors place of business. 

( iv ) The effects of rescission, as described in paragraph ( d ) of this section. 

( v ) The date the recission period expires. 

TAKE NOTE : I never received a delivery in the mailing or electric form with my consent informing me of my right of rescission pursuant to 12 CFR 1026.23 ( b ) ( 1 ). If so, can you tell me when you faxed it? Or if you mailed it, can you tell me the tracking number to the package please? If not, that is a clear exhibit that my consumer rights have been violated, and Ive been damaged. Pursuant to 12 CFR 1026.23 ( a ) ( 3 ) If the required notice or material disclosures are not delivered, the right to rescind shall expire 3 years after consummation, upon transfer of all of the consumers interest in the property, or upon sale of the property, whichever occurs first.

Fact, according to 15 USC 1602 ( I ) in relations to a Credit Sale, The adjective consumer characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person ( myself ), and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes.

It is a Fact, that I am the consumer and have now given your company a Notice of the Right to Rescind and under 12 CFR 1026.23 ( d ) ( 2 ) it states that 20 calendar days after receipt of a notice of rescission, the creditor shall return any money or property that has been given to anyone in connection with the transaction and shall take any action necessary to reflect the termination of the security interest

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: IL

Complaint narrative:
On or about XX/XX/2022 I purchased groceries from XXXX for {$74.00}. The groceries were not temperature controlled and damaged as a result upon delivery. I first went to the Chase website to dispute the charge, but rather than allow me to file the dispute in writing via their website, they forced me to contacted Chase by telephone to dispute the charge, resulting in an onerous, 27-minute phone call.

They refused to charge back the total to the merchant and unreasonably required me to enumerate each and every item in my grocery order to do so. 

As a result of Chase 's chronic failures to make disputes reasonably practical, I will continue to avoid using their credit cards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
On XX/XX/2021 the landlord and I XXXX XXXX XXXX XXXX XXXX XXXX went before a judge for the amount of XXXX the case was DISMISSED being that I paid the amount due it was never XXXX not sure how or where that came from can provide proof and moved out over a year ago my new lease is currently ending as its been a year. Southwest recovery services never reached out to me about this said debt as its inaccurate and a judge already ruled the case number is XXXX and you can investigate this by visit my justice peace court and entering mine or the plaintiffs information as this info doesnt go away for several years I do not own this or anything major it need to be removed and Ill be pressing criminal charges as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2022, I transfered the equivalent of XXXX euros from my XXXX XXXX  account at Citibank, NA ( account opened in XXXX ) to another bank account of mine in XXXX ( see attachment ). The XXXX XXXX  could not receive it and issued a refund on XX/XX/XXXX, i.e., on XX/XX/XXXX I was notified by the XXXX XXXX that the money were being sent back ( see attachment ). As of today, I have not been credited back those money

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 2022-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PENTAGON FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Attached is a copy of the letter I sent to XXXX be XXXX XXXX of the board : XXXX XXXX XXXX PenFed Credit Union XXXX, Board of Directors My name is XXXX  and I have been a member of the PenFed credit union for the last five years maybe a little longer. Ive been very happy with my account and the services you provide until this last month. For reasons that have not been explain to me my account was blocked and from what I understand the account numbers was changed and money was taken out and transferred and more money was put into my savings account and then taken out. I have repeatedly ask for the amount of money that is in the account, to be able to look at the transfers and whats going on. Also my credit card I dont know whether somebody is using it not using it because I can not look at the account. I have call repeatedly asking for the amount of money that is the Account, My Social Security check is sent there and I do not know if I got a check or knot. The only info that get I get is that nobody can tell me anything. And I think youll have to agree that this is not a very good way to run a banking system when you can not transfer money in and out of an account, will not tell the customer how much money is in it. They now tell me that they dont know who I am I sent them a copy of my drivers license social Security card and a utility bill and they still say they dont know who I am. This is the reason Im writing a letter to you with the hopes that you can take a look at it and please just let me get out of this organization I dont want anything else to do with PenFed Credit Union XXXX I am a XXXX guy just trying to get by in life and when you hold up my Social Security money and money in my checking account all its doing is making my life miserable. Please help .... XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
Sent a letter to me for possible litigation. They did not respond to my validation letter requesting if they are legitimate company or if they are allowed to collect debt in my state. I sent the validation letter in XX/XX/2022. Still no business license sent or proof they can collect in my state

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bay Area Receivables, Inc
State: MD

Complaint narrative:
I missed a call from debt collector Bay Area Receivables of XXXX, Maryland XX/XX/2022, and they left an automated voicemail stating I needed to call them to settle a debt. I checked my credit report and noted a collection for {$6000.00} that I did not recognize. I called Bay Area Receivables of XXXX, Maryland and they were not able to provide additional information over the phone. I mailed a certified letter formally requesting verification of the debt to Bay Area Receivables of XXXX, Maryland that was received XX/XX/2022 at their address in XXXX, Maryland by an individual. It is now XX/XX/2022 and I have not received any validation of this debt in writing from Bay Area Receivables of XXXX, Maryland. I have disputed this debt with XXXX, XXXX, and XXXX. 

Bay Area Receivables of XXXX, Maryland has not provided written validation of this debt within five days of contacting me, and is therefore in violation of the federal Fair Debt Collection Practices Act. Without written validation of said debt, I am concerned this effort to collect is an error or fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX  Account # XXXX  has violated my rights. This account is under litigation the balance is incorrect I need it closed and removed from my credit report immediately. 


15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C A. : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: DISCOVER BANK
State: TX

Complaint narrative:
it keeps asking me for the same info, that was provided and i/p correctly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I went to the car dealership I said I wanted to apply for a car and they said they were only going to do one inquiry and ended up being way more the one inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-06 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I went to the car dealership I said I wanted to apply for a car and they said they were only going to do one inquiry and ended up being way more the one inquiry. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Big City Finance, LLLP
State: TX

Complaint narrative:
Due to having identity theft, I'm requesting that all interactions and correspondence be done through postal mail and not through phone calls and email. My identity and finances have been compromised and I can not have any communication through phone calls or email. I have police reports showing that I have been compromised in my bank account and in my credit.

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 2022-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I have a business account with PNC bank. It looks like the fraudster was able to call in and change the address, remove the phone number and stop notifications on my account and order physical checks to the address in Alabama ( The company address is in Virginia ). Checks were overnighted to the new address and the fraudster issued a check in the amount of {$8500.00}. 

The PNC online system does not show pending checks and I saw this check only when it was already cleared. 

I have the PNC case reference number and an investigation is in progress.

Company response to consumer: Closed with monetary relief