vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
XXXX XXXX XXXX : I set up a payment plan to take money out of my card with routing and account number ; and I specifically told them to take it out on the specific date. They took the money out on a Sunday ; the day before I had money in the account ; and the amount did not go through ; They did this on their own accord because they are so greedy and ruthless ; they did not do what the client asked them to do. Since they did not get the payment ; I have a call from them everyday harrassment ; Monday through Sunday ; every day calls ; I answered one call and told them they could take the money out of the account I previously gave them ; and they told me I had to do the process all over again ; since they did not get the money off the card because they drafted the money too early ; they canceled the payment agreement altogether. Now I have to be on the telephone with them for at least an hour with their abusive collection tactics. They repeat themselves over and over again with a recording ; telling clients what they are doing over and over again. Each time they give me an Agent to work with me ; then when I call ; they say OH ; that Account Manager no longer handles your account. 

They have very abusive tactics and need to be reprimanded for what they do to their clients by repeated phone calls greed into customers payment plans. They always want a checking account and routing number to pull from your account ; No mail payment plans ; They are sharks or the XXXX I don't which one. 

Please assist in this devastating collection crew!!!

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 2020-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
***NEW COMPLAINT WITH UPDATE DOCUMENTATION*** XXXX XXXX XXXX XXXX XXXX XXXX has never contacted me by mail or by any other manner regarding their debt purchase from XXXX XX/XX/XXXXXXXX now XXXX XXXX XXXX XXXX I became aware of their existence after they had filed a lawsuit against me for a debt I do not recognize. 
Under guise of under litigation, they use that as a cover to avoid producing documents of requested documentation of the disputed account or provide the proof that they followed the law by properly doing the necessary work prior to filing a lawsuit against another across state line of pennies on the dollar purchased debt. 
Any business with a computer, some software and some personal information of another person can create invoices/statements of charges of what they think is owed to them. Thus, the account could be a fraudulent account, having fraudulent charges, etc. ; thus, the totality of those charges is being disputed. 
The debt buyer from XXXX, South Carolina, has NOT properly followed legal procedures prior to initiating a lawsuit against an individual across state lines nor have they validated the debt ; therefore, the complaint should be dismissed immediately. 
***PLEASE SEE ALL ATTACHED PAGES 12 IN THIS NEW COMPLAINT***

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: GA

Complaint narrative:
I never opened this account. I called XX/XX/XXXX to ask why this account appears on my credit report in XX/XX/2020 ; they would not give me any information because I could not verify the security code on the account. I explained they were incorrectly reporting this account to my credit report ; however, XXXX stated that because I could not verify the account with them, they would not help me. I asked to be contacted by a supervisor or manager, no one returned my phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: GA

Complaint narrative:
This account was paid off with the stipulation that XXXX XXXX XXXX would remove the account from my credit reports. This account was paid directly to XXXX XXXX XXXX in XX/XX/2018. I noticed this account was still negatively impacting my report when my credit profile was reviewed recently by my mortgage lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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: Bread Financial Holdings, Inc.
State: DC

Complaint narrative:
I contacted Comenity Capital to state I was struggling due to COVID-19 and that I had not received my statement to my email address, mail or online account and since they do not allow autopay, I forgot to make my payment. I received the first phone call about my late payment only AFTER they already reported my payment late to the credit bureau. How terrible is that? 

My dad has stage XXXX XXXX, my husband lost his job, I am working 65 hours per week and my in-laws have been recovering from XX/XX/XXXX and XXXX wants to ding me over 2 missed payments to the time of {$60.00} which I paid immediately when they called me and have since paid off my balance in full. 

They are cruel, predatory and unfair and state that they are helping consumers in accordance with the CARES act and when I called them they stated that they could do nothing for me playing completely XXXX. Please help or my families financial future will be crushed. This caused my credit score to go down below any acceptable range for any lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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: DISCOVER BANK
State: NY

Complaint narrative:
I placed an order on XXXX on XX/XX/2020 ( Order # XXXX, Total {$35.00} ). The order was for paper back books and XX/XX/XXXX books. The seller only sent paper back books. So I got in contact with the seller and the seller asked for my shipping address on XX/XX/XXXX then provided a fake tracking number on XX/XX/XXXX. I initiated a chargeback with my Discover credit card and contacted XXXX right away. XXXX confirmed on XX/XX/XXXX that a refund was issued to my Discover credit card on XX/XX/2020 for {$20.00}. However, I never saw the refund in my card then contacted both Discover Bank and XXXX. Per XXXX customer service representative, XXXX issued the refund on XXXX XXXX and discover bank has my money. To my surprise it that Discover bank claimed I lost the dispute even when XXXX already admitted to me twice on XXXX XXXX and XXXX XXXX that XXXX had refunded me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Here we go again with Equifax. 
They are showing my mortgage as late in XX/XX/2020 and I am not. They were directed to change this mistake by XXXX XXXXXX/XX/XXXX earlier this year and they did not. 
I have attached a letter from XXXX explaining this. Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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: PA

Complaint narrative:
I made a purchase on XX/XX/XXXX for {$69.00} through a vendor ( XXXX XXXX ) that promised ( and still promises ) expedited 3-7 day delivery for customers in the United States and XXXX. I paid for the product through PayPal. After a few days without a product update, I contacted the vendor for a product update, but the email they had provided bounced back. I followed up with PayPal, who opened up a dispute, followed up with the vendor themselves, and promised to automatically resolve the dispute in my favor if I did not receive the product by XX/XX/XXXX. On XX/XX/XXXX, I followed up with PayPal to notify them that I had not received the product and to ensure they resolved the dispute in my favor. Instead, they told me they could not refund the amount I paid because their policy is to wait 20 days after any movement of the product. Between my initial outreach and XX/XX/XXXX, shipping information was made available for the product ( on XX/XX/XXXX ) and so PayPal now said that I had to wait 20 days from XXXX XXXX before I could get a refund. They asked for me to wait an additional 7-8 days ( after XXXX XXXX ), which I did. As of yet, I have not received the product. The 3-7 day expedited shipping is clearly not being provided. PayPal continues to tell me they can not return my funds, despite the fact that the vendor has not provided the product in the promised timeframe, and PayPal has not resolved the dispute in their promised timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
In XX/XX/XXXX, I noticed a credit card that I have never owned. It came out in my credit report.I filed a complaint and dispute. Discoverd it was a third party credit card.and the names that came out on this card. Have never known or heard of these name these people.. I contacted Barclay 's and they told me to file a 2nd dispute.. But the company keeps insisting its my card.. Its being used fraudulently. Because this is not my card.This card does not belong to me. It was opened in XXXX and just recently came out on my report. I do not own this card have never applied for this card for this card.

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 2020-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
This appears to be a duplicate account that was sold to a collection agency per a XXXX account I did not open. I reached out to XXXX about this account in XX/XX/2020 inquiring about an account that I did not open inaccurately reporting to my credit reports. They would not assist me because I couldn't verify the account that I did not open but was being negatively impacted by. I asked them to close the account ; however, they would not assist in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MS

Complaint narrative:
Reference complaint : XXXX In the company response, they state that the move out inspection was completed in XXXX so I still owed the balance. I am submitting proof that the move out inspection was completed in XXXX. The original creditor is lying. Remove this from my report. 

I have already submitted the requirements for SCRA. We stopped the lease when we got notification because the original report date was XXXX. We got them to push it back to XXXX to give us time to register our kids in school.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I reviewed a copy of my credit report and show inaccurate information shown. This creditor XXXX XXXX is showing a late payment listed on XX/XX/2020. I sent in a dispute to advised I have never been late on this account. I also contacting creditor and creditor stated that they will update account to show on time payment. I still as of yet have not received and update or a credit report showing the updated result.

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 2020-12-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Healthcare Receivables Group, Inc.
State: NC

Complaint narrative:
This collection company, Health Care Receivables group, have been attempting to collect a debt in the amount of {$3100.00} which has also been placed on my credit report. I do not have a contract with this company nor have I received any services from this company for the company to allege that I owe them this debt. I have requested validation of this debt, however this company have failed to provide proof of services they have rendered to me. I have tried to resolve this issue before and requested to have this debt removed from any and all credit reporting companies, however, the company responded with incorrect information. The company responded with inaccurate information which in addition, is also why the debt need to be removed from my credit report. The company responded that I had only made 3 payments to account, this information is incorrect, ive made payments from XX/XX/XXXX up until XX/XX/XXXX which is when the collection took place which account should have never been a collection. Next incorrect information is the balance of the debt. The high balance shows {$3300.00} and another {$3200.00}. The debt can not have 2 different balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX and Ive been a chase account holder for about 10 years. My experience has been ok for the most part however, the past year has been the hardest. Since the pandemic, my only source of income, XXXX, has dropped dramatically ; due to this I was forced to file for unemployment and have been on the Arizona XXXX program for about 8 months. Due to this, Ive struggled to pay bills as well as keep up with my finances. Up until last month, I was able to pay down my account to a XXXX or positive balance ; I stopped paying because I couldnt keep the balance positive as I only receive {$250.00} a week from Arizonas XXXX program. 

The overdraft fees chase charge is already unfair, the fact that I have to call to get 8 fees removed at a time doesnt make anything easier. I am politely asking that Chase removes all of the Overdraft and NSF fees charged to my account this entire year. Once I know how much I owe chase without the fees, I can arrange a payment to cover the items that caused the overdrafts and will proceed to close my chase account for good. If chase refuses to remove these fees, I will let the account go into collections and wont pay chase back. 

Please work with me, I know Im not the only one facing hardship due to COVID.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-24 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1300.00}, {$3000.00}, {$14000.00}, {$2600.00}, {$12000.00}, {$10000.00}, {$6000.00}, {$5900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

6. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 


-- PERSONAL ACCOUNT 8. THE XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account.

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 2020-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: VA

Complaint narrative:
I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1300.00}, {$3000.00}, {$14000.00}, {$2600.00}, {$12000.00}, {$10000.00}, {$6000.00}, {$5900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 


-- PERSONAL ACCOUNT 8. XXXX  XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account.

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