vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2020, I purchased a set of XXXX XXXX  that were advertised on XXXX for {$59.00}. I paid immediately via PayPal using my account XXXX. 

The sellers info is : XXXX XXXX The receiver of this payment is Non-US - Unverified XXXX I did not receive tracking information so on XX/XX/XXXX I filed a dispute after seeing how many complaints there were online about the seller ( I googled the XXXX email ). After almost two months, PayPal closed my dispute stating that the seller provided tracking info showing that the product was delivered. This is not the case. The tracking info ( XXXX XXXX XXXX XXXXXXXX ) said that a package was left in a mailbox in my zip code, but did not contain my actual address.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Amount {$590.00} Account opened XX/XX/XXXX Last Payment XX/XX/XXXX Last Date XXXX XXXX XXXX XXXX, XXXX, XXXX per XXXX XXXX XXXX. 
Phone : XXXX On XX/XX/XXXX @ XXXX XXXX  I was contacted by a young lady @ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX aged debit from XXXX. I advised that I had been contacted by Midland Credit Management Inc.XXXX XXXX and Midland Funding LLC regarding the same debit. The young lady advised that XXXX XXXX owns this debit and asked if I had paid them. I advised NO and she said I should not pay them as they own the debit and they are unable to report this anymore due to reporting age of debit XXXX XXXX, XXXX. 

I advised the young lady that I had disputed the items with Midland 3 different times and each time I dispute the items Midland go out and update the Date Reported date with the current date. 
Example : I just open a dispute on XX/XX/XXXX with XXXX. 
XXXX XXXX updated date reported to reflect XX/XX/XXXX amt. XXXX as Charge off status. Acct # XXXX Midland Funding acct XXXX shows date reported XX/XX/XXXX amt. XXXX as Charge off. Acct # XXXX Midland Funding XXXX XXXX XXXX updated date to reflect XX/XX/XXXX amt XXXX as Charge off. Acct # XXXX I am not understanding how this company is able to keep updating the report date nor am I understanding how they are able to report on this if XXXX XXXX owns this file. Also for the original debit Last Date of Delinquency shows XX/XX/XXXX how every for each one of Midland shows XX/XX/XXXX. 
I am trying to understand how is it that one company can report an items 3 different times by only changing account numbers and rounding up balance amount. 
I have tried to work with this company and they want the money and then advise they will not move dispute. I would like to ask to have this business reviewed as this is not fair for the consumers as I understand I owed the debit but to reproduce a debit from XXXX ( 3 times ) in one month is over the top. 

Thank you in advance for your time in reviewing my letter and hopefully assist me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I have sent USAA the attached letter asking them to not call me, call me using automated dialing systems, record me, and that I am represented by an attorney yet they will NOT relent in contacting me by telephone. This is illegal under the RFDCPA. I am requesting that USAA contact my attorney RIGHT AWAY. XXXX XXXX XXXX XXXX. ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-29 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: MD

Complaint narrative:
I have sent out a letter to Experian about one ( 1 ) account on my credit report XXXX  XXXX XXXX. I have asked Experian As per Section 609 of the FCRA that I am entitled to see the source of the information, which is, a copy of the original contract that contains my signature for that account ( XXXX  XXXX XXXX XXXX. I have sent out that letter on XXXX XXXX via USPS certified mail with return receipt requested. Experian signed the receipt on XX/XX/2020. Today 's date is XXXX XXXX more than 2 months after I have sent out that letter and Experian signed for it. I have never received the contract that contain my signature which I repeat is my right under the section XXXX of the FCRA and Experian keeps reporting that account ( XXXX  XXXX XXXX XXXX to my credit report. I would like to notify you that the account has been removed on my XXXX  and XXXX  credit report. Why can't Experian do the same? Does XXXX  XXXX  XXXX pay you to keep information on people report? Is it more about a business than reporting correct information? I want a copy of the original contract that contain my signature or remove immediately that accounts from my credit report. I have attached to this statement the XXXX return receipt and the copy of the original letter that I have sent to Experian. Please CFPB help me fix this issue. Experian is getting money from big companies such as XXXX  XXXX XXXX to keep information of people credit report no matter what and that is a shame!

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 2020-10-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This account with XXXX XXXX has been settled and paid. I spoke with my representative at XXXX and I was assure that the account will report on my credit report as closed with XXXX balance is due. Unfortunately my credit report is showing Charge Off with an amount due.

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 2020-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2020 we made a purchase at XXXX 's for {$180.00}. When we got home and checked our account it charged us 13 times for the same transaction. I called Suntrust bank and the lady I spoke to said there was a one our period where this happened to quite a bit of people and it should be corrected with in the hour. This did not happen. On XX/XX/2020 some of the transactions were taken off but some of them are still on our checking and savings accounts leaving us with no money period in either account. I called Suntrust again on XX/XX/XXXX and they still charged our account with 2 of these transactions. I was then told I would have to dispute these transactions and it could take up to 10 business days. They admitted that the mistake was made by them. I don't understand if they could take care of some of these transactions why they couldn't take care of all of them knowing it was their fault leaving both accounts in the negative. We are not able to fill prescriptions, buy food, get gas on anything else.

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 2020-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
On XX/XX/2020 I was charged NSF fee even though there was enough money in the bank. On XX/XX/2020 I was again charged NSF fee even though there was enough money in the bank albeit there was a pending charge. On XX/XX/2020 I was again charged NSF fee on that pending item. So was charged twice for the same item. On talking with my bank they said it happened during processing so I would not be able to see where or how I was eligible for the NSF fee. This reeks of dishonesty and is definitely not transparency.

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 2020-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I have a citi bank account package ( checking and saving ) opened online on XXXX XXXX. I tried to link this account with my existing citi bank online account, or to register an online account to access this account several times, and also tried to call their service number. The representative went over all trouble shootings, but I still didn't have any access to my account online so far. The representatives keep repeating the same methods, and it's a total waste of my time.

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 2020-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
A purchase I ordered was misdirected by XXXX to remove funds out of my checking account causing my account to go negative. The account going negative caused me to miss a monthly automatic charge which prevented my account from receiving a monthly service charge. The XXXX purchase was attempted two times which I did not agree with. I was charged {$34.00} two times plus {$34.00} in an overdraft fee and {$12.00} in monthly service fee for this error. 

I called customer service to remove the fees and only received partial credit to which I attempted to file a complaint and the customer service representative ignored my complaint and tried to discontinue the call. 

Since then, another automatic charge was attempted two times. While I forgot about the timing of the automatic charge and was not able to switch billing information in time for the first charge, I do not agree that Citibank should attempt to these charges two times to only receive additional fees from me. I was charged {$34.00} two times again for this transaction. 

Overall, the error by payment allocation to the wrong source caused me {$180.00} in fees and I was only granted {$34.00} in relief. 

I strongly disagree with this policy of trying NSF transactions two times to receive more income in fees. This causes undue harm to customers, especially during a pandemic. I can not be the only one impacted by this poor policy. I believe customers should have a choice when a transaction is attempted more than once. This practice is deceptive to the customer and only benefits the banks.

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 2020-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ERC
State: CO

Complaint narrative:
I was led to believe that by a representative of the collection company that when i paid the collection that it would be removed from my credit report with the three credit bureaus and it hasn't been. Please help me get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I sent letters out over 60 days ago. I have not been notified as a consumer I feel like these clowns taking advantage of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One / Saks Fifth Avenue Credit Card has created a user attached to an account of an individual which does not exist in this household.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal emailed my email XXXX to inform the company I did not recognize the name on the account or the number associated I followed the help center procedure to fprwaed the email to their XXXX for investigation and have not gotten any communications, not wvwn an auto response to indicate a case is opened

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MRS BPO, LLC
State: CO

Complaint narrative:
I was led to believe that by a representative of the collection company that when i paid the collection that it would be removed from my credit report with the three credit bureaus and it hasn't been. Please help me get this resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: NC

Complaint narrative:
An alert came to my phone about a debt that I do not recognize. The amount is {$1100.00} and the account # is XXXX. I was never notified by the original creditor or collection agency regarding any of this information. This is very much indirect communication. I am a victim of identity theft and experian is very much aware of that. I was shocked to find this negative/fraudulent account in my credit report. I had a good credit score rating before this issue. This is damaging to my credit and character.

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 2020-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
1 ) I have called Equifax four times requesting a free copy of my credit report. Each time I was told it will be mailed to me, but I still have not received my report. 2 ) I am also unable to get a free copy of my Equifax report through XXXX because the security questions used to verify your identity do no pertain to me. XXXX says the questions are generated by Equifax so I need to contact Equifax. I have asked Equifax to correct the security questions multiple times so I can get a copy of my report, but Equifax said there is nothing they can do when I have called them about it. So ... I am unable to get a copy of my credit report from Equifax when requested, AND I am unable to get a copy online through XXXX either. I have attached two examples of the security questions generated ... none of which pertain to me or my credit file. When I check " None of the above '' it says it can not verify my identity and so I need to contact Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-29 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: EQUIFAX, INC.
State: IL

Complaint narrative:
This account with XXXX XXXX has been settled and paid. I spoke with my representative at XXXX and I was assure that the account will report on my credit report as closed with XXXX balance is due. Unfortunately my credit report is showing Charge Off with an amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: MI

Complaint narrative:
I sent a letter of verification to Experian regarding an collection on my credit report on XX/XX/2020 and they have not respond. I sent another letter on XX/XX/2020 telling them the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ) gives them 30 days to investigate, if they cant verify the information they must delete the account or they can receive a {$1000.00} fine. I have still not received verification, a deletion from my credit report, or even a response from Experian 60 days letter. Each letter was sent via certified mail so I have the letters I sent as well as the signature from the US Postal Service verifying the letter was received and signed by a person from Experian. I am filing a complaint with you, because now Experian has now broken the law by failing to respond and not deleting the account from my credit report.

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 2020-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NY

Complaint narrative:
Spoke with I C Systems on XX/XX/2020. Was sent to the management team, XXXX XXXX Employee number # XXXX. The company was unable to verify the information and existing debt. The account was placed for collection for an account that isn't mine. Nor have I lived at the address stated.

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 2020-10-29 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I disputed inaccurate information on my transunion, XXXX  and XXXX reports. All three bureaus sent me a letter stating the information was verified. I politely sent a method of verification letter asking who verified it, what was their title and what department and what phone number do they have. I have not heard back at all about my method of verification request.

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 2020-10-29 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
i paid my credit card balance in full for the last month. as starting from XXXX $ balance. Experian lowered my FICO score 25Points for paying the full credit card debt. 

i called and talked to the rep from Experian and was told there is nothing they can do. 
why my credit score is decreased instead of going up by paying my credit card in full. 
i am still using the credit card and have XXXX $ as of today and will be paid next month. 
i am working as an XXXX XXXX and lowering my FICO will hurt me in term of getting jobs.

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 2020-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
Our real estate tax payments are included in our monthly mortgage payments to Select Portfolio Servicing ( " SPS '' ). Over the past approximately five ( 5 ) years, we have received tax delinquent notices from our town, stating that our real estate taxes have not been paid, or have been paid late by SPS. In fear of facing a tax foreclosure, we made all payments requested on the tax delinquent notices.

Over the course of several years, we have received 6 tax notices dated XX/XX/XXXX ( {$390.00} ), XX/XX/XXXX ( {$530.00} ), XX/XX/XXXX ( {$500.00} ), XX/XX/XXXX ( {$460.00} ), XX/XX/XXXX ( {$460.00} ) and XX/XX/XXXX ( {$160.00} ). We made all payments ( tax and interest ). We have copies of all notices. 

We attempted to resolve this with SPS on numerous occasions, via mailing a letter, sending in faxes and making telephone calls. We have yet to receive reimbursement. 

On XX/XX/XXXX, we sent a letter to SPS requesting reimbursement for tax notices dated XX/XX/XXXX and XX/XX/XXXX. We attached the tax notices. SPS denied our request stating that the taxes were current. 

On XX/XX/XXXX, we mailed a letter to SPS, requesting reimbursement for tax notices dated XX/XX/XXXX ( second request for this one ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. We attached copies of the tax notices and cancelled checks proving payment. SPS never responded to our request for reimbursement. 

This has been an ongoing battle. 

On XX/XX/XXXX, we spoke with our town who stated that SPS has paid late in the past and some of the monies due were for interest on late payments. 

On XX/XX/XXXX, we also spoke with SPS, and they acknowledged that they had made late tax payments in the past. 

All we want is to be reimbursed for taxes and interest we had to pay because SPS failed to send our payments in or failed to send them in a timely manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation