vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-25 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: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Hello and good day I had an disputed account removed from my credit report. From all three credit bureau back on XX/XX/2020. Later that year another company reported on the same account as that I still owned it. I have already contact all three credit bureau as well as the company that is reporting once again on the deleted account. Please refer to the attachments. The original account name was XXXX XXXX # XXXX, now Portfolio Recovery XXXX is reporting. I have reached out to them stating that the account has nothing to with me and that it has been delete off of my report. They once again are charging me for it. I have sent proof and notarized letters stated that it was delete from all three credit bureau as well as sent to Portfolio Recovery Associates. please help me out. I have reach out to XXXX, XXXX, XXXX  and Portfolio Recovery Associates. They are not wanting to help even with the proof that has been provided.Portfolio Recovery Associates have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore Portfolio Recovery Associates have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Attached are the disputes results from all three credit bureaus that the account was remove and what they are doing is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
XX/XX/2021 XXXX XXXX  - A man called claiming to be from CBE Group ( phone number XXXX ). He had my name, address, and the last four digits of my social security number. He asked me to confirm that I was [ my name ] whose SSN last 4 digits was # # # # and I said yes. He was the 2nd person to call in 2 days claiming to be from CBE. He told me he was attempting to collect a debt of XXXX {$900.00} from XXXX. I told him I had never had a XXXX account and he told me he was going to transfer me to the fraud department. After three attempts, someone answered and said he was with the fraud department and how could he help me. I told him he should know because the guy just transferred me to him. He said he didn't know but he could help me anyway. I hung up. 

I called XXXX and they confirmed that I did not have a debt and that that number they called from wasn't one of theirs nor was it one of the numbers from which their contracted 3rd party collections agencies called. 

I called CBE 's main number and spoke to someone who collects for XXXX and she confirmed that my number was not associated with any number they had for collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XX/XX/XXXX I was sent a letter from Chase saying autopay for my credit card was removed. The letter said I owed {$53.00} and action was needed. Chase recommended to " Please pay your bill by the due date on your statement or re-enroll in XXXX. '' On XX/XX/XXXX I re-enrolled in autopay and updated my bank information following the recommendation of the letter. At this point, I felt the matter was resolved. 

On XX/XX/XXXX, I received a call from a Chase representative. The representative said my bill was overdue. I did not expect this call since I had taken appropriate action as recommended by the letter sent on XX/XX/XXXX to re-enroll in autopay. I paid my balance in full ( {$110.00} XXXX on XX/XX/XXXX and the representative was kind enough to waive any related fees. 

On XX/XX/XXXX, I checked my credit report. Chase had reported that I was late on my payment for 30 days. I contacted Chase customer support multiple times to try to get the late payment removed from the report. Chase representatives refused. 

It's pretty simple. Chase had sent a letter saying I owed {$53.00}. In that letter, they recommended steps I could take to pay the amount owed. I followed their recommendation but was still reported by Chase to the credit agencies. This is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Trans union will not give you free report. They take you to a page asking For credit card information and tell you it cost {$24.00} to get your credit report. Then if you scroll backwards it takes you to another page that says its {$9.00}. After spending XXXX minutes filling out all this information and going back-and-forth you still do not get a 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 2021-02-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX, This is a follow up of complaint made yesterday. Complaint Number XXXX XXXX has again charged fees for overdraft without providing credit for returned payment. 

They again charged overdraft fee for another transaction This is the third overdraft fee they have charged for the same incident. 

Their first 2 overdraft fees of XXXX $ has caused my bank balance to go into negative. Again they conveniently charged fees by exploitating my situation. 

So they have charged a total of {$100.00} for the same incident. 

Following is email received at XXXX XXXX  I.S.T On XX/XX/2021 your available balance for your Wells Fargo account XXXX was insufficient to cover the following transactions. 
Transaction Description Amount Action Fee BILL PAY XXXX XXXX XXXX, XXXX ON-LINE No Account Number ON XXXX {$80.00} PAID {$35.00} Total Fee ( s ) : {$35.00}

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 2021-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Corporation of America
State: CA

Complaint narrative:
I keep receiving calls from debt collector company called RMC of America. They would call from XXXX now its from XXXX XXXX ID. Ive asked them to quit calling but they continue to harass me regarding some debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
During the XXXX of XX/XX/2020 I was unable to log into Website or app link and could not make my payment. I tried on numerous occasions to log into account to pay XXXX but kept getting log in access error which said " The information you entered does not match our records " followed by a link to " forgot username or password ''. Following the link leads to the account recovery page, after attempting to recover account i got the error which read " The information you entered does not match our records. Please confirm all information is accurate and try again ''. I went through these steps every few days for XXXX weeks until the issue was finally corrected and the account was accessible in early XXXX and Payment was made. Due to these issues with the account Comenity Capital Bank XXXX a 30 day late payment on my credit report then subsequently a few months later denied a request for credit increase due to my credit report showing a " late payment ''. Due to XXXX quarantine for exposure i was not able to go get a money order to pay this payment and the Failure of their website design, account access portals for multiple account types that are not linked to the same account is harmful for consumers like myself. Due to this failure my credit was and is negatively affected which has caused me to be denied for credit increases with XXXX current creditors and a Mortgage loan with all denials citing " recent late payment on credit report ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
On XX/XX/2021, I opened a checking account with Chase Bank. I made an initial deposit and enrolled in automatic deposits with my employer. I used a promo code to get a {$200.00} bonus for opening the account. Today ( XX/XX/2021 ), I found out the bank closed my account and I received a check with less money than what I think I had in my account. I did not receive the bonus either. The bank refuses to tell me why they closed my account and they told me they do not ever want to do business with me, however they have not closed my XXXX credit cards that I have had with them for 10 years. I believe this is unfair and I at least deserve to know why they have made this decision. I have an excellent XXXX XXXX, XXXX debts and have never been involved in any financial issues with any banks. I am afraid of what this means and I don't know what should I do to prevent something similar to happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
A checking account was open in my name on XXXX XXXX that I didnt authorize or do myself. I was made aware of this business being conducted in my name today XXXX XXXX XXXX ) only by receiving a bank statement via postal mail. This account statement had my full name and address. I later find out that my SSN and XXXX were used as well. I would like for this XXXX XXXX to be audited and held to the same standards/practices other financial institutions are abiding by. I would also like to be contacted and explained why the fact that a background check or proof of identity was not properly researched before moving forward with an individual opening an account. Over a month goes by and youre telling me no XXXX verified identity with new accounts that are being opened.? We should be doing better by each other and helping to keep individuals identity safe. Thats the role every financial institution has and should continue to have.

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 2021-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have had a credit card with XXXX XXXX for several years. I placed an order on XX/XX/XXXX and they ran a HARD INQUIRY on my credit report without my knowledge. It was not until XX/XX/XXXX that I noticed the inquiry. The reason listed for running my credit is " PERSONAL SERVICES ( non-Medical ). I called on XX/XX/XXXX and was told that they automatically run my report every 6 months no matter what. I told them this was the first time my report was ran since I initially got the card ( I believe in XXXX ). I asked why did they list PERSONAL SERVICES as the reason for running my credit and got no answer. I asked for a supervisor and was told a supervisor would call me back. I never received the call 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 2021-02-26 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: VA

Complaint narrative:
XXXX XXXX will not give you free report. They take you to a page asking For credit card information and tell you it cost {$24.00} to get your credit report. Then if you scroll backwards it takes you to another page that says its {$9.00}. After spending XXXX minutes filling out all this information and going back-and-forth you still do not get a credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The credit score is based on outdated and incorrect data and drops drastically instead of increasing as it should based on facts. The credit limits they show is wrong, the balances they show is incorrect and the usage is incorrect. When you attempt to dispute the facts they do not offer direct means. I have documentation showing they are wrong and have unfairly treated me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: TX

Complaint narrative:
I received a phone call from T.D. Bank advising me that my account was in a delinquent status. I was baffled and informed them that I have payments set up automatically each month through my bank & havent missed a payment. They informed me that although they were receiving payments each month, they were posted after the due date, thus the late fee. I informed them I could move the deliver by date or even set up Auto pay through them to fix the situation and asked that they waive the late fees. They refused. Another issue is that I was unaware of the delinquent status of my account until months later. I mentioned I never got a phone call, voicemail or letter from them until months later. In fact, when I spoke with the collection agent I informed him I hadnt received anything and he confirmed he didnt see any letters sent out ( their calls are recorded so they can verify this ). A week or so later I received all of the letters at once. Had I been notified sooner I wouldve rectified the situation. I spoke with them again today and they said they were only willing to waive 1 late fee, but there was still {$210.00} past due. Had they called me or sent me a letter after the 1 late fee was assessed I wouldve made sure to correct the situation. Instead, they waited until a substantial amount of late fees were stacked up and then made an effort to reach me. All in all, I find this very unethical on their part and just want to resolve this matter without it effecting me further. I dont know if this has already impacted my credit score, but I will look into it. Im seeking the reversal of the late fees and to set up auto pay directly with them. I dont go around not paying my bills. Ive been treated unfairly and just want to make this right without taking food off my familys table.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: IL

Complaint narrative:
I have tried to reach out to cash app support regarding several dispute matters at this point they have an unusually long time to process refunds up to 10 business days. I am not understanding how a transaction can immediately show as refunded but the funds wont be available for ten days. More recently I am having an issue with XXXX transactions on my account that XXXX is claiming they cant even locate on my account. CashApp is putting an undue burden on me to dispute the transaction of asking me to provide a receipt or letter showing XXXX cancelling the charge. When I explained to CashApp support this was unreasonable and in no way possible because as I stated before XXXX is claiming they have no record of any of the charges to my account CashApp support failed to resolve the matter and even refuse to cancel the duplicate charge from XXXX. They are refusing to process any disputes and I have over a XXXX dollars stuck as charges or in limbo from CashApp 's negligence and unwillingness to follow the FCRA and allow me to file a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Carvana Group, LLC
State: IL

Complaint narrative:
I went to the Carvana.com website to look at possibly buying a car through them. Something happened and will not be able to purchase a car for 2 years now. I had opened an account on Carvana.com. I now want to delete my account so that in case there is a data breech my personal info will not be compromised. I tried to cancel it on line but there is no way to do this there. I then tried chat on their website where it said I could as long I have not done any financial parts of the account, which I have not done. I then spoke with a customer service rep who said I could not and gave me a portal do do it on. I tried that portal and it only allows people from California to delete their accounts. I want my account deleted and they will not do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: VA

Complaint narrative:
I just really need to figure it how long it's going to be till the money is going to be on there

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
Paramount Recovery Systems Collections account did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information to the credit bureaus they are in VIOLATION of my HIPAA rights. Paramount Recovery Systems Collections account is VIOLATING The HIPPA Acts of 1996 by providing and disclosing personal information to XXXX & XXXX. This is a violation of my consumer right to privacy by having Paramount Recovery System listed on my credit report. This is a violation of the law 15 USC 1681-Congressional finding and statement of purpose. Paramount Recovery Systems Collection, XXXX, and XXXX are violating my privacy and fairness by having these negative collection account on my credit report. I never gave authorization for it to be on my credit report. These companies are treating me unfairly and being impartial to me knowing they are in VIOLATION of the law but yet still having this negative account on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed 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 explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK
State: AZ

Complaint narrative:
Today I was contacted by a company called XXXX XXXX XXXX and they told me they were calling over an " upcoming litigation '' being filed against me for an alleged unpaid discover credit card balance from decades ago ( they either said XXXX or XXXX. At that time I would have had my maiden name and that is not what they addressed me as ) for the amount of {$2300.00}. I don't recall ever having a discover credit card and I called Discover customer support and verified that to be true. This company has all of my personal information, including my social security number. The whole experience is rattling and I hope they can be caught and stopped.

Company response to consumer: Closed with explanation