vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I have an account with M & T Bank ; on XX/XX/2021, the Bank to Bank Transfer feature went offline while they " update '' the system. It has been offline for about a year now ; with no end date given or in sight. I have called their customer service and spoke with a representative who explained they don't know either, but to check their website and emails for the most up to date info. I visited their FAQ about it and it's nearly a year later and still no end date has been announced. <https : //www3.mtb.com/personal-banking/online-mobile-services/bank-to-bank-transfers-help>

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 2022-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
I have repeatedly asked this company, under federal law and my legal rights, to show me proof the accounts with this company are mine and they have failed my requests. I feel this was opened by my ex-wife and is not my responsibility. I do not feel they can damage my credit, reputation, or wrongfully threaten legal action without proof this is mine. I am prepared to fight this in court and will hold this company accountable for fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I tried to 'downgrade ' the sapphire reserve card to freedom card ( rolling 5 % cashback quarterly category ). But Chase refused to downgrade.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I had Request and Send TwiceTo EXPERIAN and XXXX Credit report To Update My Personal Information, Because the Information and Address they have are incorrect. I have only one Address, one Name, one SS #, one Phone #, one Employer But Experian Refused To update My INFO, They have Address in my File that I never Live in and Never Knew About. I Have Sent All MY Documents To Them, all I need for them To Remove Those Addresses include po box and They refused To Because Post Office will never deliver To Inaccurate Address. 

I Had Sent Them Everything CERTIFIED MAIL

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 2022-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
This company has tried to collect a debt that I did not open. They have failed to provide me proof that this debt is mine therefore committing fraud. I am prepared to take all legal action against this company and hold them accountable for falsely hurting my credit and threatening to sue without legally providing me info that I have requested in a timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-09 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: MA

Complaint narrative:
My first communication with XXXX XXXX, XXXX was XX/XX/21. The second time was XX/XX/21. The third time communicating with XXXX XXXX XXXX was XX/XX/21. 

I requested XXXX XXXX, inc to provide me their method of verification and inaccurate information because the bankruptcy XXXX is reporting unlawfully and sharing to the TransUnion credit agency, and breaking the law. XXXX is breaking law because I have the RIGHT TO PRIVACY because the only institution allowed to publish my information is the United States Bankruptcy Court District of Massachusetts XXXX XXXX, and the website of Pacer.gov. 

XXXX XXXX XXXX XXXX broke the law THE RIGHT TO PRIVACY BY THE FCRA, and didnt help me, and didnt remove the inaccurate information reporting. 

XXXX XXXX XXXX XXXX Reply me with the same copy paste letter tree times.

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 2022-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
This company has tried to collect a debt that I did not open. They have failed to provide me proof that this debt is mine therefore committing fraud. I am prepared to take all legal action against this company and hold them accountable for falsely hurting my credit and threatening to sue without legally providing me info that I have requested in a timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We received a prepaid XXXX  gift card and are unable to use or register the card. The website ( XXXX  ) doesn't work and calling the number on the card ( XXXX ) leads to an automated system that never answers. We are unable to reach anyone to resolve the issue.

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 2022-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
this company has wrongfully damage my credit. i have attempted to have them remove this report because it was opened by my ex wife. they have failed to submit to me, in a requested timely manner, proof that this account is mine therefore violating federal law and committing fraud. i am prepared legally to fight this and will take any and all actions against this company. they are smart enough to know that they can not just enter things on a credit report because they feel it is my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
This complaint is about PayPal 's failure to explain an email to me from them that discussed a transaction ( that was reversed/cancelled ) that I do not to this day recognize, I attempted for several hours to get information from PayPal, even talking to a supervisor to no avail. No one at PayPal in their XXXX call center can explain to me why I got the email, why I got it way after the alleged transaction, why the situation was that created the email and alleged transaction- nor can PayPal give me any details. I have XXXX PayPal accounts. They are in good standing. I sent the email I received from PayPal, that appeared suspicious to XXXX and all I got repeatedly was " canned '' automatic responses. No one responded to my questions about the transaction and the email. Then I called to no avail, sent the email in question as directed by a supervisor to XXXX from a different email address of mine from the one I received the email from XXXX ( and sent multiple emails to XXXX ). Still, no one could tell me anything about why I got the email in the first place nor more details regarding the transaction that allegedly was a money request that was cancelled. Given that I was the victim of identity theft through XXXX AND Paypal years ago, I am concerned. Despite my telling PayPal this, they appear not to care whatsoever and were of no use or help at all in just telling me to send it to XXXX ( which I repeatedly did with NO human response back ). I want to know more about this email and transaction. PayPal has an obligation to explain emails that they originate!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: PA

Complaint narrative:
I recently sent letters to the credit bureaus on XX/XX/2021 and collection companies on XX/XX/2021 and the ignore my letters and my request i made regarding to the negative and inaccurate and inconsistencies on my report. According the fdca and fcra every thing on your credit report should be reporting the same.

15 U.S code 1681b - permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates Under the U.S code 1681b Permissible purposes of consumer reports I never have you any written consent to report anything on my consumer report. As a consumer by law these account on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state also Ive already involved and sent this letter to the CFPB, attorneys general office and the better business bureau and Federal Trade commission.

1. Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 

No consent is IDENTITY THEFT!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
XXXX XXXX Ford credit offices. Was informed that XXXX XXXX XXXX, my ex husband had paid off the debt in full. That they did not have any record of it going to collections. 

Was expecting a letter from them with this detail per my request within XXXX business days. Never received it. 

Have written 4 letters since to debt collection address on file and disputed with each bureau to only have the debt somehow magically owed in XXXX and XXXX. I have never received a letter or any information of this debt. 

Called back to the XXXX office on XX/XX/XXXX to again be told they have no record. Again I requested a letter stating as such in which I have not received. 
Called the 3 bureaus to open disputes as their reports are inaccurately reporting a debt that dies not exist only for all 3 to ignore my proof and keep the account on. 

At this point XXXX and the bureaus are reporting an illegitimate debt that neither they nor FORD CREDIT can give evidence that I owe.i have no account number as the one in the report does not match any of their records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
MIDLAND CREIDT MANAGEMENT INC. PUCHAED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANS ACTION.

MIDLAND CREIDT MANAGEMENT INC. has been sending me collection notices in the amount of {$2200.00}. They have been threatening to sue me if I do not pay them, and have been reporting this negative information on my credit report which is both misleading and damaging to my reputation as a natural person and consumer. I have never done business with this company nor does this company have any evidence of a contract with my signature. This company is passing my private information to other members possibly resulting in identity theft. Pursuant to18 USC 1028 whosoever during and in relation to any felony violation enumerated in subsection c, knowingly transfers, processes, or uses, without lawful authority, a means of identification of another person shall in addition to punishment provide sor such felony, be sentenced to ter of imprisonment of 2 years. Whoever, during and in elation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or false identification document shall, in addition to the punishment provide for such felony, be sentenced to a term of imprisonment of 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently sent letters to the credit bureaus on XX/XX/2021 and collection companies on XX/XX/2021 and the ignore my letters and my request i made regarding to the negative and inaccurate and inconsistencies on my report. According the fdca and fcra every thing on your credit report should be reporting the same. 
15 U.S code 1681b - permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates Under the U.S code 1681b Permissible purposes of consumer reports I never have you any written consent to report anything on my consumer report. As a consumer by law these account on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state also Ive already involved and sent this letter to the CFPB, attorneys general office and the XXXX XXXX XXXX and Federal Trade commission. 

1. Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 

No consent is IDENTITY THEFT!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently sent letters to the credit bureaus on XX/XX/2021 and collection companies on XX/XX/2021 and the ignore my letters and my request i made regarding to the negative and inaccurate and inconsistencies on my report. According the fdca and fcra every thing on your credit report should be reporting the same. 
15 U.S code 1681b - permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates Under the U.S code 1681b Permissible purposes of consumer reports I never have you any written consent to report anything on my consumer report. As a consumer by law these account on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state also Ive already involved and sent this letter to the CFPB, attorneys general office and the XXXX XXXX XXXX and Federal Trade commission. 

1. Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 

No consent is IDENTITY THEFT!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MN

Complaint narrative:
I am divorced fir over a year and my ex put my banking account on her mortgage account for payment. I am having trouble getting the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
the vehicle i financed through Credit Acceptance Corporation was repossessed on XX/XX/2018. XXXX XXXX XXXX require that a Creditor conduct the sale of repossessed vehicle in a commercially acceptable manner. The address on file for the load i took out was my father 's address. they filed the law suit under my mother 's address. she received the court summons. I was unaware of how to proceed moving forward. I submitted an answer to my complaint and waited for a response at my fathers address. my mother moved and credit acceptance and the courts continued to send notices to the address my mother no longer lived at. this resulted in the judge granting credit acceptance the judgement. The judge wont hear me out and Credit acceptance is breaking the law in continuing to report false information and pursue monetary amounts that it is not entitled to. I can share my motion and more details with whomever can help me. everyone keeps telling me bankruptcy is the only way to make this go away and I know for a fact that Credit Acceptance has violated my consumer rights.

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 2022-01-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear Sirs, The following is based on a letter written from the Consumer Financial Protection Bureau and applies to any of my accounts that may have gone delinquent in the wake of the Pandemic Covid-19 : The CARES Act places special requirements on companies that report your payment information to credit reporting agencies. These requirements apply if you are affected by the coronavirus pandemic and if your lender gives you an accommodation to defer a payment, make partial payments, forbear a delinquency, modify a loan, or other relief. 
If your lender does make an agreement or accommodation with you : How your lenders report your account to credit reporting agencies under the CARES Act depends on whether you are current or already delinquent when this agreement is made. These reporting requirements apply only if you are making any payments required by the agreement. 
If your account is current and you make an agreement to make a partial payment, skip a payment, or other accommodation, then the creditor is to report to credit reporting companies that you are current on your loan or account. 
If your account is already delinquent and you make an agreement, then the creditor can not report you as more delinquent ( such as reporting you as 60 days delinquent when you started out 30 days delinquent ) during the period of the agreement. 
If your account is already delinquent and you make an agreement, and you bring your account current, the creditor must report that you are current on your loan or account. 
This CARES Act requirement applies only to agreements made between XX/XX/2020 and the later of either : 120 days after XX/XX/2020 or 120 days after the national emergency concerning COVID19 ends. 
If your lender does NOT give you an accommodation : In addition, the special comment is temporary and may only show on your account for a period of time, such as during the time of a declared national emergency. When the lender stops furnishing the special comment information, it disappears permanently and entirely from your credit report. There will be no record that there was ever a special comment placed on your credit report.

The CARES Act also applies to certain federal student loans and includes requirements relating to suspending payments and credit reporting. During the period that payments on federal student loans are suspended by the Department of Education, any payment that has been suspended is to be reported as if it were a regularly scheduled payment made by the borrower. ( any increase in the balance of the loan is invalid. 
All three companies have continued to ignore my complaints regarding this issue and have ignored the regulatory filings regarding the banks ignorance of the cares act.

Company response to consumer: Closed with explanation