vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Central Portfolio Control Inc.
State: CA

Complaint narrative:
Friday XX/XX/2019 Central Portfolio Control , Inc. Called my number it went to voicemail they left no message. The weekend before I received a letter of the debt that I owe but at this time I have no job to be able to comply to pay the debt that is owed. Monday XX/XX/2019 Central Portfolio Control called my house again all in 1 hour they repeated to call my house. 4 times they called my home this all happened at XXXX o'clock and the third time I pressed one to speak to someone and they hanged up again. XXXX o'clock they attempted to call me again and they hanged up again. XXXX o'clock they called again and they repeatedly hung up on me again. Now I rather to receive mail from them and to not call my home again because this is nonsense and unprofessional way to get a consumer to pay their debt. 
No more phone calls just contact me by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is a complaint against XXXX XXXX XXXX. The reason why I am writing this complaint is because on my XXXX, Expedian, and XXXX credit report on XX/XX/2019. This enquiry was not authorized by me, this was done under fraud. I will brief, I am victim of identity theft and in this complaint I will submit all the documents necessary to verify that this enquiry was not done by my person. For the past couple years i have been victim of identity theft, and these false enquiries have been popping up on my credit report. When this specific enquiry happened I wasn't even in the U.S. when this happened. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.

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 2019-11-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: CT

Complaint narrative:
I have no knowledge of this debt. I was never associated with this debt on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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: CA

Complaint narrative:
On Friday XX/XX/2019 at approximately XXXX I noticed that my Venmo account was frozen. I have a Venmo debit card which I use for cash back rewards and to deposit my income from XXXX and XXXX. However when I emailed the company regarding my frozen account they explained to me that I have no access to my funds and they will not explain why they are denying me my money. I have no way to transfer my money out of the account. I have done nothing illegally or used my funds for anything against their policy. I had {$250.00} in my account and now I only have {$100.00}. Meaning, half of my funds are missing and the funds that I do have in there are unattainable with no valid explanation as to why I can not access my hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I have a bluebird card issued by American Express Travel Related Services Corp. I  made a return to a store ( XXXX ) for {$330.00}. The return went thru the normal credit card processing system, but when Amex received it they put it on hold for 7 calendar days. Their online gateway lists the transaction as Administrative Review. What is very upsetting is that their telephone representatives have told me several times that it is the merchants bank that is holding the funds and when Amex receives the funds they will credit my account. This is a lie. They simply use this excuse because they can not admit the truth. There must be some regulation that allows them to hold funds credited to the account for up to 7 calendar days. So as a matter of policy they automatically place a 7 day hold on any return over {$100.00}. They clearly use this as a way to make money on the float. If it were actually a function of the merchants bank not sending the funds in a timely manner to Amex they would address this with the credit card processor for XXXX because it would affect so many customers. Any regulation that allows them to hold funds credited to your account is designed to protect Amex from fraud or reversals. If they are doing this across the board then they are abusing the regulation at the expense of their customer for their own profit. I also have a regular Platinum Card from Amex and trust me they do not do this on that account. This is something they only do to their prepaid customers because they perceive them as an underbanked or unbanked, low-income population with no recourse. If they did this to their postpaid cardmembers they would loose too much business. But if they really had a problem collecting funds from merchants banks when items are legitimately returned they would have to make it a policy across all of their cards, which of course they do not. This happened once before but I didnt need the funds so I had forgotten about it. I like bluebird because they are the only prepaid card I have found without fees. But blocking access to their customers funds just because they can, and using this to increase their profits is insidious. Upfront fees would be preferable to being lied to and kept hostage from your own money. The irony, as usual, is that the only population that is abused this way by Amex is the one who can least afford it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This is a complaint against SYNCB. The reason why I am writing this complaint is because on my XXXX, XXXX, and XXXX credit report on XX/XX/2019. This enquiry was not authorized by me, this was done under fraud. I will brief, I am victim of identity theft and in this complaint I will submit all the documents necessary to verify that this enquiry was not done by my person. For the past couple years i have been victim of identity theft, and these false enquiries have been popping up on my credit report. When this specific enquiry happened I wasn't even in the U.S. when this happened. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.

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 2019-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
When I got a XXXX service, they promised a " Credit '' to my balance since I switch to XXXX. 
Every time that I asked to a representative when this credit will be reflecting on my balance or account, they always said the credit will reflect in the next billing cycle. 
That never happened, and when the contract finished, I asked for the credit to pay off the balance, the managers that I spoke to agree to apply that credit to pay off to reduce the balance to {$0.00}. 
Now I found that XXXX placed an account for {$1800.00} dollars to a debt collector named Diversified Consultants , Inc . Here is an unfair marketing practice to get client with false promotions. 
I contacted Diversified Consultants in 2 different times thru regular mail, I asked for the validation of the debt, and itemize stamen of the collection account, a copy of the signed contract and all the charges and payments made in the account, but I never received a response. The real reason of my complaint its to get a validation of the debt since the debt collector is ignoring my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America was informed on or about XX/XX/2019 of a Chapter XXXX Bankruptcy. They said that they had received the notification but they continued to charge fees and refused to shut off a debit card attached to a checking account. I told them I did not want Debit Card usage outside of the funds availability in the account but they ignored that claim. On XX/XX/2019 the bankruptcy was discharged by the XXXX XXXX XXXX New York. 

I received notice in the mail that the account was closed with a negative amount of approx : {$220.00}. When I advised them they said that they would continue to collect on this matter, but it was included in a bankruptcy which they ignored. 

It should be noted the bankruptcy was no asset and this matter needs to handled.

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 2019-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: TX

Complaint narrative:
They told me my loan could be forgiven if i signed up. They pressured me in to signing up. I tried to stop them but they still tried to take money out of my account. They took over my loan, and didn't provide me with any information about the company. I dont know the name or agency they are with.They informed me that they were part of the student loan agency. I feel like i was tricked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
This is a complaint against Resurgent Capital Services. The original creditor being XXXX XXXX. I paid off this balance and received the letter stating that the account was settled in full on XX/XX/2019 and it was actually settled on XX/XX/2019. 

Resurgent Capital has continued to debit my account for {$90.00} which should not be happening since I was finished paying this off on XX/XX/2019 and it is illegal! 

I want Resurgent Capital Services to stop reporting to all three of my credit bureau reports ( XXXX, XXXX and XXXX ) immediately. 

They have engaged in illegal behavior and I am actually contemplating suing them in civil court. I have called several times, each time I got a letter in the mail saying that they were going to debit my account AGAIN. They always said that the account has been closed in their office. Then why are they still taking money from me??!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-19 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: CT

Complaint narrative:
An account from XXXX XXXX XXXX Opened XX/XX/2019 have just reported on my credit report for a debt collection. I reached out to the agency and I did not get my problem solved. As I stated my report has a fraud alert to show creditors that they should verify my information before giving services. It is evident that services had been made in my name without my permission which is considered fraud/identity theft.

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 2019-11-19 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: VA

Complaint narrative:
Today XX/XX/2019, I tried to access my EquiFax account to un-freeze my account for a short period. I spent 2 hours trying by both logging into my account, updating passwords and information and calling direct for help but .... In order to speak with a customer support person I had to 1. ) give them a cell phone number 2. ) my social security number. 3. ) answer two security questions and 4. ) answer questions from information generated from my personal credit report. After successfully answering the questions the recorded voice came back and said the customer service rep could not help me and to send my requests in writing to them. 
I have never had to give any personal info to any company in order to just talk with a customer service person. 
They advertise you can freeze and then unfreeze an account online but after several attempts to do so it seems like they don't want to talk with me. Try it yourself. 
I could get into my account and update my personal info but could not unfreeze my account for an hour to let a car dealer check my credit. 
Please do something about Equifax as they seem to be saying one thing and in reality their software, phone access is not as they say.

If one does not have a cell phone then you can not access customer service help. Their unfreeze software does not work even though I can access my account, update personal formation etc ... It seems they don't allow access to freeze and unfreeze actions. 
Help us with these credit reporting agencies ... ..especially EquiFax ... 
Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Trans Unions is currently reporting an inaccurate amount loan paid as agreed on my credit report. Also, remarks on my Automobile should be : Paid Off not closed. Their inaccurate reporting is negatively affecting my credit score and I am receiving denied credit letters. They deleted the automobile loan from my credit report where they should have modified the amount paid off. Which took my credit score from 700s to the 500s, between XX/XX/2019 XX/XX/2019. 

I've been trying to correct this issue since XX/XX/2019. File #

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 2019-11-19 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: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
This is a complaint against XXXX BMW. The reason why I am writing this complaint is because on my XXXX, XXXX, and XXXX credit report on XX/XX/2019. This enquiry was not authorized by me, this was done under fraud. I will brief, I am victim of identity theft and in this complaint I will submit all the documents necessary to verify that this enquiry was not done by my person. For the past couple years i have been victim of identity theft, and these false enquiries have been popping up on my credit report. When this specific enquiry happened I wasn't even in the U.S. when this happened. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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: Credit Karma, LLC
State: MA

Complaint narrative:
In XXXX of 2019 I decided to open an account with Credit Karma online to find out my fico score only to find out that there was already an account opened in my name and my social sscurity number. OMG, I panicked because that was not me that opened it . Credit Karma gave me a real hard time because they didnt believe in me, had to show them many multiple times to prove myself. I suggested to Credit Karma that they should of done that to the scumbag who illegally ooened an account in my name than this would never of happened. They finally realized I was the real XXXX  XXXX  then they closed out the other account. Thank you lord but now this scumbag saw all my personal information, credit card numbers etc. I sent many emails to Credit Karma and they finally said they couldn't help me any further!
I want this scumbag to be arrested. This person set up a phony email address 
Which I looked up & it was a temporary email address. Credit Karma needs stricter regulations on people opening up accounts with them. 
Since this happened 2 times my bank closed my account for multiple failed login attempts which I associate with this scam artist. This has caused me alot of grief & headaches. I asked them for information on this scumbag & an address, they must have something on thus scumbag but told me they couldnt give out any information other than closing that account.
I contacted XXXX  to have a watch on my credit & if anyone tries to open any charges that I will be notified first,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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: IL

Complaint narrative:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: WA

Complaint narrative:
I opened an auto loan with Credit Acceptance corp. Due to a repossession in my past I was told I would need to allow them to install a vehicle tracker in my car. This did not seem unreasonable at the time but since then I have learned they are able to remotely disable my vehicle and will call me, sometime 7-8 times an hour, requesting payment of a late fee or service fee even though according to my credit report, I have made all of my payments on time since XX/XX/XXXX of last year. I am often confused about the nature and origin of these fees but will pay them out of fear that I will be stranded or not able to get to work. I have asked to move my billing date to allow me to get caught up and remain in good standing with my loan but they refused and the seemingly random fees make it impossible to get ahead. I feel as though I am being held hostage and have no idea if what they are doing is legal. Please help me.

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