vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
After review of my credit report, I found that the XXXX XXXX XXXX had me in collections. First and foremost I never had a Credit Card with the XXXX XXXX XXXX When I contacted them they had ABSOLUTELY NO KNOWLEDGE OF MY HAVING ANY ACCOUNT WITH THEM OF THEIR ASSOCIATE BANKS... So they stated that I should contact XXXX XXXX XXXX XXXX. I did. I sent XXXX XXXX XXXX  a Debt Validation Letter.

I was told by XXXX XXXX XXXX that my account with them was paid years before and that this account long ago should have been removed from my credit file. 
When I informed them that it was still on my credit report they said they did not understand why, They told me they would send me a letter to verify this. 
I do not understand why the XXXX XXXX XXXX has me in collections when I have never had a Credit Card with them. And even if they are the bank that issues Credit Cards for another company, then that company should be the one to place me in collections not The XXXX XXXX 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 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: PA

Complaint narrative:
After review of my credit report, I found that the XXXX XXXX XXXX had me in collections. First and foremost I never had a Credit Card with the XXXX XXXX XXXX. When I contacted them they had ABSOLUTELY NO KNOWLEDGE OF MY HAVING ANY ACCOUNT WITH THEM OF THEIR ASSOCIATE BANKS... So they stated that I should contact Jefferson Capital System, LLc. I did. I sent Jefferson Capital Systems a Debt Validation Letter.

I was told by Jefferson Capital System that my account with them was paid years before and that this account long ago should have been removed from my credit file. 
When I informed them that it was still on my credit report they said they did not understand why, They told me they would send me a letter to verify this. 
I do not understand why the XXXX XXXX XXXX  has me in collections when I have never had a Credit Card with them. And even if they are the bank that issues Credit Cards for another company, then that company should be the one to place me in collections not The XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ProCollect, Inc.
State: IA

Complaint narrative:
I received phone calls from ProCollect out of Texas. I never received anything in the mail from this company stating intent to collect a debt. There was nothing from my leasing company either in the mail stating a debt was to be passed on to a collection agency. I received nothing in the mail from any company stating any intentions for anything. I only received automated phone calls requesting to call them back.

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 2023-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I have sent 3 letters to Portfolio Recovery asking them to provide me with documentation required by law with my signature showing I had some contractual obligation to pay them this alleged debt for {$2400.00}, they are reporting to the Credit Bureaus. They have refused to respond. I am also filing a complaint with the XXXX and my state attorney general XXXX XXXX because I have documented proof they have violated federal and state laws. The information is also inaccurate by listing different " opening '' dates XX/XX/XXXX and XX/XX/XXXX on my report as well as the status of the account reporting as " open '' to one Bureau and " closed '' to another. I have asked for validation associated with this account, bearing my signature. In the absence of any such documentation, I am formally requesting that this information be deleted from my credit files immediately. 

On XX/XX/XXXX at XXXX Portfolio Recovery signed for my 1st letter requesting within 30 days to validate the account or delete it. They did not respond or delete the information. 
On XX/XX/XXXX at XXXX XXXX Portfolio Recovery signed for my 2nd letter, informing them by not replying in a timely manner ( 30days ) to my initial letter dated XX/XX/XXXX, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
On XX/XX/XXXX at XXXX XXXX Portfolio Recovery signed for my 3rd letter informing them they also did not mark the account as being " disputed '' required within 30 days under federal law.

FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies ( XXXX ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: WI

Complaint narrative:
This complaint is regarding XXXX XXXX XXXX billing and fee practices. 

In XXXX of XXXX, we received a bill from XXXX XXXX XXXX stating we owed XXXX {$430.00} for a bill we did not pay. 
I assumed it was a scam letter until I tried to call XXXX. 
No one in any department would speak to me at XXXX because this bill was in collections. 
I had no way to know what happened and what the bill was for until the XXXX XXXX XXXX sent me a copy of the XXXX bills ( all stating these bills were not mailed to us ). 

My notes : XXXX ) All my XXXX bills are mailed to me so I have a paper copy reminder to mail my bill. 
XXXX ) I do not use this card often. At XXXX, XXXX, XXXX, I charged {$130.00}. 

This is what I learned through written correspondence, as XXXX will only let you investigate by snail mail. 
XXXX ) XXXX mailed my bill in XX/XX/XXXX. All our bills were forwarded for XXXX months while we were in CA with my parents. 
XXXX ) XXXX  does not forward bills so it was returned to XXXX. 
XXXX ) For the next XXXX months, XXXX did not send me a bill, did not call me, did not attempt to email me ( all this information is on file ). 
XXXX ) Each month they charged me interest fees and late fees. 

My first letter from XXXX simply listed what XXXX did ( charged late fees and interest each month because the bill was not made ). The last line states they sent me a bill ( but XXXX does not acknowledge that bill was not forwarded ( as is there practice ) and does not acknowledge never mailing me any of these bills. 

I have ( had ) excellent credit. 
We always pay the full amount of our bills each month ( unless a XXXX interest rate is offered ). 

I have repeatedly asked XXXX for a reasonable response to their business not notifying me during these XXXX months of late fees but they only send the same letter again and again. I have not been able to talk with a human at XXXX. 

In contrast, the credit collection company has been exceptionally informative of the XXXX practices of not forwarding bills and mailing me copies of the bills that clearly state, they were not mailed to me. 

PLEASE HELP ME!!! 
I contact the XXXX XXXX XXXX XXXX MN, and XXXX sent them the same letter that mailed me. BBB said they are only mediators. 
I sent the entire documentation to the Attorney General 's XXXX XXXX MN and after XXXX weeks they contacted me and said I need to work through WI, my home state. 
WI XXXX XXXX XXXX sent me to the WI XXXX. of XXXX XXXX who sent me to the XXXX XXXX XXXX Comptroller of the Currency who sent me to the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
on XXXX XXXX XXXX XXXX XXXX received a text from XXXX : Suspicious activity detected at XXXX XXXX XXXX for {$1900.00} if valid replay VALID, if fraud replay FRAUD. Replay STOP to Stop. have never experienced such and was not sure this was Fraud or Phishing text message so at XXXX XXXX call XXXX the number on the Credit card and spoke to XXXX XXXX and asked her was the message form TD Bank and she said it is. I immediately informed her it is definitely FRAUD, and I did not make those charges. XXXX XXXX said she will close the account and issue a new account and a new card will be send out. XXXX XXXX also said she will put in a challenge to these charges. I informed her that I have not use the card for a while and the last charge I placed on this card was XX/XX/XXXX on XXXX for {$2.00}. I told her the reason I have not use the card because TD Cash card now charges foreign transaction fees and the initial reason for applying for the card is because there was NO foreign transaction fees. I also texted back on XXXX XXXX to the text with the response of FRAUD I have applied to all three credit monitor agency for Fraud monitor, started Federal Trade Commission, Identity Theft.gov and send in the FTC Fraud letter to TD Cash / TD Bank.

since then I have spoken to many TD Cash Credit / TD Bank customer services and asking them why I am still being billed for these charges, when I the card holder have call, text and spoken to TD Cash customer services that it is FRAUD and I did not make these charges, most of the TD Cash / TD Bank customer services will said, I will put in a challenge to these charges and the case is still under investigation.

I have send and faxed to TD Cash Credit / TD Bank proof that I was in XXXX XXXX XXXX and no where in Colorado. I send in New York XXXX XXXX transaction to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  receipt, XXXX XXXX XXXX  receipt and my phone GPS location, clearly showing I was in New York XXXX. 
I have also requested a letter stating that I have called in on XX/XX/XXXX ( Tuesday ) and reported as FRAUD, texted back as FRAUD, my account was closed, a new account was issued and new card was send out, and all my contact information was correct. I have spoken to many TD Cash /TD Bank customer service and to date I have yet to get the letter I request. This letter is clearly stated on Federal Trade Commission, IdentityTheft.gov web site. It is just been a frustrating experience dealing with TD Cash Credit Card / TD Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XXXX the XXXX I went to my local XXXX and did a cash load to my PayPal balance in the amount of {$400.00} I was only credited XXXX to my PayPal balance I disputed this with my local XXXX XXXX never gave me a resolution so I started a dispute with PayPal PayPal has given me the runaround for 25 days now I have provided PayPal with my receipt showing proof of my {$400.00} cash load and showing proof of that only XXXX was credited my account PayPal 's customer service is misleading information deceptive information that I've received on multiple occasions there is no justification for the neglectful treatment that I've received from PayPal I provided PayPal with the receipt with conversations that I had with XXXX and I continuously get nowhere with them .. PayPal has also charged me for this claim {$15.00} why am I going to be charged {$15.00} when I'm disputing my missing money does that make sense

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: NY

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  Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX  I disputed bankruptcies cases with Experian. I was told that XXXX XXXX was the supplier of the information they were getting. On XX/XX/XXXX I disputed the information and also supplied Experian with a letter from XXXX XXXX that they deleted the information because they couldn't prove the bankruptcies return Experian still hasn't remove the bankruptcies from my file. I disputed it on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have disputing this since 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 2023-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Ive been banking with Chase for many years, on the XXXX of XXXX they decided to freeze my account. Keeping me from depositing or withdrawing money which is an essential part of my life. My direct deposit and all my saving account are at this particular bank. They stopped and reversed all of my payments made to other institutions. I visited a branch and was told that I was not allowed to do changes including closing my account. They froze and closed my credit cards as well. Left me with no money having to open new credit lines and loans to get by. I have incurred late charges and my credit score will impacted from this as well. Chase refused to give me an explanation other than they have to power to close accounts to their discretion. All that I want is the money which I have worked for many years to save

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: PA

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
1. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX Account Number : XXXX Please remove it from my credit report. 
2. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX XXXX & Account XXXX : XXXX Please remove it from my credit report. 
3. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Sincerely yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXXXXXX bank # 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

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 2023-07-11 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: MI

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My account should not show any late payments because I have always paid on time. It is unacceptable to see late payments on my account, and I urge you to correct this error immediately.

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 2023-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/2023 around XXXX XXXX I tried to deposit cash into a Navy Federal ATM. 

This was at an offsite Navy Federal ATM. 
{$540.00} was deposited into the machine and the matched stopped working. It went down and displayed an error message. The money did not come back out and no receipt was printed. 

Navy Federal manager XXXX said they ran an audit and do not show any such deposits made at this machine and no discrepancies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
While I was on a 2 week XXXX my rental car was broken into and my personal bag containing my wallet, keys, etc. was stolen out so I called the police and and a police report was done. When I returned back to XXXX, Texas I worked with the GM of chase Bank near me and we have both faxed documents that the fraud department asked for and we received confirmation that they got those said documents and when we call for an update they have told us both that they don't have the documents and this is even after we both have sent the documents multiple times. Now they are still denying the claim stating that the documents that they asked us to send them is still not sufficient enough proof and to send any other documents I may have. It doesn't make sense to me how it's not sufficient enough proof when I have provided the axact paperwork that they have asked for.. They credit my account then took everything back and the GM is telling me that he has done everything in his power because we have spoken with supervisors and everything and had each document described to them to make sure it's what they needed and we faxed it and they told us the credit would be back in my account in less than 10 days and they keep denying the claims saying that each transaction was authorized and there are no errors.

Company response to consumer: Closed with explanation