vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-30 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: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I have not given any company consent to use, report or inquire on my behalf. I have called XXXX several times to remove inaccurate inquiries and have not received remedy. 

I was given a number to call XXXX XXXX XXXX XXXX XXXX services also known as CB Indigo for inquires on XX/XX/XXXX and XX/XX/XXXX the company said they have no knowledge of an inquiry made through my name or social security number, therefore they have no way of sending XXXX any information to verify the information. I called Back a XXXX time and informed XXXX of this information and the agent I talked to was very combative. They seem to have no knowledge of how I can complete my task. 

Inquiry for XXXX XXXX XX/XX/XXXX I did not give consent for inquiry I was told there was no phone number for contact to verify any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
As technology improves, so should the written policies of a bank. The worst feeling is making the person who owns the account feel like a criminal. XXXX would NEVER treat me the way CITI treated me. I tried making a large dollar transaction requiring an activation code. The phone number associated with my account was an old phone number I no longer use. I called to have my phone number updated to make the purchase. I was asked questions that were not indicative of my identity. I answered my name, social security number and security word. They wanted me to remember a change I did XXXX months ago. I no longer have a Citibank account. They asked me if I had Citi cards and the only cards I was able to confirm were XXXX XXXX and XXXX. This was not good enough for them. This was not sufficient as they wanted me to wait XXXX to XXXX days for a letter with an activation code. I am unable to use my card. I have been a good standing customer since XXXX. I am upset they flagged my card when I continued to give them information to confirm I was the account holder. I even logged into my XXXX account to confirm my banking statement. They were not willing to work with me to assist. I hopped from XXXX representative to the next. They were not willing to take my complaint. After XXXX hours I finally got an address to submit my complaint to. Because the representatives were out of the country, it was hard to understand them as the volume was extremely low on their end. They never tried to verify my address. I gave them so much information as old phone numbers and previous addresses as I moved in XXXX ; hence why my info was not updated then COVID happened. Very difficult to deal with even as a long time customer.

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 2022-11-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: UMB FINANCIAL CORPORATION
State: IL

Complaint narrative:
UMB XXXX XXXX ( https : //hsa.umb.com/ ) is a predatory company that charges excessive fees for their accounts. There's a monthly fee, account maintenance fee, account closure fee, etc. 

Please fine them into oblivion for their XXXX business practices that simply steal money from the workers of this country and funnel it to executives.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have submitted disputes to you and I didn't get a response within 30 days and you all are required by law to do so. Please investigate my disputes, please. Thank you.

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 2022-11-30 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: CA

Complaint narrative:
I have submitted disputes to you and I didn't get a response within 30 days and you all are required by law to do so. Please investigate my disputes, please. Thank you.

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 2022-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Niagara Restitution Service Inc
State: OH

Complaint narrative:
I got a call from my employer that XXXX XXXX called stating I was in trouble and to avoid having sheriffs come to work to XXXX me they needed information about me. My supervisor did not give the lady info but called me. So I called and she was extremely rude and said I needed to pay her XXXX right now or she would send it to legal and garnish my wages. I kept asking her for more information and that was making her very angry. She did not want to me to call and verify anything and because I wanted to verify some information before continuing the conversation she screamed at me that I had a XXXX past and she was pushing it through to legal. It was for a credit card for {$300.00} from XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2022-11-30 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: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
According to both XXXX and XXXX, the credit card provider, Comenity Bank, has not updated either credit bureau with accurate balance and payment information since XXXX of 2022. The existing balance is adversely affecting my credit score. The current balance on this card is {$1.00} ( XXXX XXXX XXXX XXXX XXXX  ). I requested that the company update both credit bureaus and received the following email : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- From : Comenity Bank Sent : Wednesday, XX/XX/2022, XXXX XXXX  ( ET ) To : You Subject : Re : Credit Bureau Reporting Message ID : XXXX I ' m with Comenity Bank, which handles your XXXX  account. This card is issued by Comenity Bank pursuant to a license from XXXX XXXX XXXX. I'm here to help with your account needs. 

We recognize that you've recently made a payment, but it is not reported to the credit bureaus. I understand how this can be frustrating for you. 
Because of a recent system update, we are not reporting account updates to credit bureaus while our processes get aligned for accuracy. We have our customers ' best interest in mind, and will soon resume our standard practice of providing updated account information to the consumer reporting agencies with each account billing. 

On behalf of the bank, I apologize for the inconvenience. 

If you have any questions, please click the reply button. 


Sincerely, R.A Internet Customer Care Team -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The balance they last reported represents XXXX XXXX of my total credit line and is causing irreparable damage to my credit score prohibiting me from securing new credit lines at the best possible rates. 

I have filed disputes with both XXXX and XXXX. 

The inaction of this company to rectify this situation, and to provide such a trite response with no offer of resolution to the damage they are causing is egregious. And the financial damage they are inflicting to me is certainly affecting other consumers as well and could be basis for a class action or other punitive damages. 

I would like this company to rectify my credit reporting immediately, and I urge the CFPB to investigate other consumers that are suffering the same damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: AR

Complaint narrative:
Here are all of the hard inquiries that I did not authorize due to id theft, 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 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
I had credit card fraud. You fit called abt my payment. I told the girl i wanted to cancel bc 1. They are taking more money then contracted for without my auth 2. They changed gym. I had abt 4 more ppl call. I told them all same. 5. They all said ok. They all had obligation to advise me if it needed to be in writing. Despite that they all said ok. They turned over to collections. Not only did i advise that gym breached contract by charging me almost {$13.00} when my contract was for 10, they can not use a contract they voided by not complying but they also had an obligation to advise me they needed in writing rather than agree to the cancellation by saying ok. Further they owed me almost XXXX $ a month for i believe XXXX or 4 years. The belligerent collector than sends me a copy of an unsigned/undated contract, which has no mention of the what the monthly monetary amts are, and very different from the signed contract i found in my files. They are all committing fraud in an attempt to collect on monies that are not due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: TN

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Debt Recovery Solutions XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, NY XXXX Acct # XXXX  XXXX To whom it may concern : On XX/XX/XXXX, I wrote to you requesting Validation and an investigation into items that I believed were inaccurate. To date, I have not received any such validation. The only reply from Debt Recovery Solutions was via CFPB portal on XX/XX/XXXX. In my previous request directly to you, I listed my reason for disputing the information and requested validation. 
Since this is my second request, I will also be sending a copy of this letter to XXXX Federal Trade commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am forced to take such action. 
Please note that on XX/XX/XXXX the CFPB released its Fair Debt Collection Practices act Annual report and stated the following.

The Bureau notes that one or more debt collectors continued collection activities despite not properly obtaining and mailing debt verification after a consumer exercised his or her 1692g rights.

Specifically, the Bureau calls out the practice where debt collectors forwarded consumer debt validation request to the relevant clients who mailed responses directly to the consumers.

Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until it ( meaning the collection agency ) Obtains verification of the debt and mails it to the consumer. Examinations found that one or more debt collectors routinely failed to mail debt verifications before engaging in further collections activities.

Instead, one or more debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to consumers and the debt collectors continued collection activities on accounts in violation of section 809 ( b ) of the FDCP.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in small claims action against your company. Therefore, cease your collection efforts and reporting of this account on my credit reports Immediately. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
No information was given regarding the account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account # XXXX, Account Name : XXXX Account # XXXX, Account Name : XXXX XXXX XXXX  XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX  XXXX XXXX  XXXX  Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX  XXXX Account XXXX XXXX has violated my rights. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Navy Federal Credit Union, without notice to its customers, ceased crediting accounts with deposits from check under XXXX XXXX dollars. Furthermore, they have delayed deposits more than one processing day as per their agreement. I have also found that they do not reverse or seek to assist customers with debits that are in error. Most recently, NFCU allowed for a canceled set of payments to disrupt my bank draft that has been processing for more than two days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General, and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I applied to XXXX XXXX XXXXt for an Educational loan to obtain a course for {$500.00}. I applied partially online and the processed continued over the phone with a representative from Affirm, who is the XXXX Party Company that provides the loans for XXXX. I accepted the loan under XXXX 's advertising, which was : Online access, a program to follow within XXXX and also a book that I should have received within XXXX XXXX. The program also included : Personalized homework assignments, XXXX customizable quizzes, Guidance from a team of XXXX experts, Every official XXXX question ever released, XXXX XXXX of exclusive live and on demand lessons, The HardesXXXX XXXX Question Prep, HIGHER XXXX  SCORE. GUARANTEED or money back and the ability to cancel the program within a XXXX 
I received the materials disorganized, which was confusing. The program was so post to be organized and easy to follow as per XXXX 's advertising and this was not true. Aside from the above, I first obtained access online, but the online access did not work without the book because it was part of a program that had to be follow step by step. I received the book a XXXX XXXX XXXX XXXX later and I noticed the program they advertised was not was I was sold. I called within the XXXX of the purchase to cancel and obtain my money back since it was part of the program and I was informed that in order to obtain my money back I had to call within XXXX XXXX. I explained that this is not what I was told over the phone and that it would be impossible since I received the book later than XXXX XXXX and part of the program was to try it and in order to follow the program I had to have both things ( online access and the book ). I order the educational material in the year of XXXX. I informed them that I was XXXX XXXX XXXX XXXX. My credit report shows delinquencies in XXXX all of the way until XXXX. I paid Affirm {$500.00} and informed them that I had not received the product correctly and I was informed by Affirm that they are not XXXX. I called XXXX and they said that it was a legitimate charge and it was not a legitimate charge since I paid and did not received the product. 
I formally request XXXX and Affirm to investigate, correct the account and my profile, return the money and remove all incorrect delinquencies from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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:
the short of this is PayPal has a XXXX account that I closed at the end of XXXX or the beginning of XXXX just before I left the country to live in XXXX XXXX in XXXX of XXXX as still active. 

On XX/XX/XXXX, I discovered that this account was not closed!? Details of this I won't go into here. To me, it is not relevant but if you need that information you can ask. 

I have contacted PayPal several times including calling what XXXX shows as the corporate offices ' number of ( XXXX ) XXXX and attempted to get them to close the account, and delete it but they refuse to do so. They have told me they could go in and remove the limitations and delete the account but they won't do it. They claim there are limitations on the account, put there by PayPal and they claim that they " Can't close or delete the account until those limitations are lifted '' but they refuse to lift them and remove the account and the information that they want to lift them I don't have all of it anymore as I am not in the XXXX and do not have that bank account or live at the same address or know what they were. 

For the last 5 years, I have been under the impression that this account was closed as I closed because Paypal said the account was a XXXX account and when I moved to XXXX XXXX I would need to create another account from the country I moved to, and now I find out it was never closed, or so they claim? There is no reason for them to refuse to remove the account know? 

They have said they could remove the limits and delete it they won't. They're refusing to do it and I would like some help in getting past the people on the phone to higher-ups to get this account that should not exist removed from their system.

Company response to consumer: Closed with non-monetary relief