vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-27 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: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
To whom it may concern, MCM-Midland Credit Management Keeps contacting me, i told them i have no Knowledge of the account, I told them i want a copy of the signature they say is mine. all they can provide is a bill on what was charged ( this keeps going on ) with MCM. now they have threated me ( this is the 3 collection co. ) the others removed me. then mcm bought the this from another collection co, They can not verify the account other than a bill for XXXX XXXX, i Don't even have a credit card for XXXX XXXX ) they are threating to sue me. i sent them a letter told them if they cant find a signature then i will get my attorney involved, ( they seem like a scammer, will not take no for an answer. MCM ( Midland Credit needs to close up ) will not take no for an answer. ( Scammers ) I want a copy of the Signature, that they can find.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: AL

Complaint narrative:
Not so long ago I wrote a letter regarding accounts that I have disputed and can be found in my credit file that was incorrect and inaccurate, I am very upset that they are still showing in there. I do not validate that accounts and it is a violation of the US Code 1681 Accuracy and Fairness in Credit Reporting under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On or about XXXX XXXX I received a TD Bank Visa Card which I did not apply for. I contacted them by phone that evening and reported their error as I don't have and never did any banking with them so why would I apply for their card. Their claim was that this was that they had already marked the account as a possible fraud. On XX/XX/2022 I recieved a debit card from the same Bank, I tried to report it that evening but due to covid staffing and it being a weekend was unable to complete my call with them. On XX/XX/2022 I received a second Visa card from them having the same account information as the first. I again contacted them and this time was able to also speak to someone regarding the errant debit card. They have suggested I speak with you, SSA and Federal Trade Commision.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On XX/XX/XXXX I made a purchase of {$200.00} at Best Buy to take part in an offer from Citi merchant offers that I enrolled my Citi Simplicity card in. The offer was spend {$200.00} or more at Best Buy and earn {$50.00} and it expired on XX/XX/XXXX. I did not get automatically credit for it so I chatted with a Citi rep on XX/XX/XXXX and was assured that if it does not automatically credit by XXXX statement it would be manually credited by them. I've contacted citi multiple times afterwards through chat and through phone and in all attempts I was given the impression they had no idea what this off is and has ignored my attempt to send in a screenshot of that chat with the Citi rep I had to attempt to figure it out. Therefore I am attaching that screenshot as well as the screenshot of the offer and purchase so they can rightfully credit 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 2022-01-27 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
On XX/XX/2022. Someone hacked my XXXX  account and ordered tennis shoes XXXX. My credit card was not stored on the XXXX website. I don't know how they got my information. I called PayPal and told them about this, and they said they were going to review this matter. This is not the first time someone has hacked my PayPal credit card. I'm not sure what kind of security measure Pay Pal must help keep confidential information safe, but it is not good that this happens to me more than once with this credit card company. Someone also hacked my regular pay pal account and tried to send money to people I don't even know using a virtual card that I never sign up to use. This company needs to fix their security. I know I am not the only one that has had this 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 monetary relief
Consumer complaint received 2022-01-27 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I purchased concert tickets in XX/XX/XXXX on a Chase credit card. That credit card account was subsequently closed later in XXXX. The concert was finally canceled in XXXX due to the on-going pandemic. The merchant, XXXX, has issued a refund to the original form of payment ( the card closed in XXXX ). Chase accepted the refund ( attached screenshot from merchant system ), but since the account is closed they can not locate it in their system to give me a refund via check. Chase is holding {$530.00} of my money which they can not locate and will not refund. The merchant says they have no additional action they can take since the bank accepted the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Consumer Finance, Inc.
State: MA

Complaint narrative:
Dear XXXX ; UNITED CONSUMER FINANCE ; My name is XXXX XXXX and i noticed that you continue to fail to investigate and remove this inaccurate, incomplete and unverifiable account. I keep getting genetic templates that says random and pre-printed responses. Actually, cfpb just published some findings on some deficiencies on how credit report and creditors has failed to complied. And i quote : CFPB Released a recent report detailing deficiencies of the 3 major credit reporting agencies : XXXX, XXXX, and XXXX relied heavily on template complaint responses instead of providing meaningful and thorough responses to consumers, despite having up to 60 calendar days to respond. ". 

If this account was ever investigate it wouldn't continue to report these errors as outlined. 

This repossession is reporting still continues to report multiple inaccuracies, incomplete, & unverifiable info! Different dates of XXXX, XXXX, XXXX, questionable balance, and inconsistent payment history and payment status. Also, this account is in several consumer statutory and federal violations. Under the laws of MASS and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Dear Experian ; XXXX XXXX XXXX ; My name is XXXX XXXX and i noticed that you continue to fail to investigate and remove this inaccurate, incomplete and unverifiable account. I keep getting genetic templates that says random and pre-printed responses. Actually, cfpb just published some findings on some deficiencies on how credit report and creditors has failed to complied. And i quote : CFPB Released a recent report detailing deficiencies of the 3 major credit reporting agencies : XXXX, Experian, and XXXX relied heavily on template complaint responses instead of providing meaningful and thorough responses to consumers, despite having up to 60 calendar days to respond. ". 

If this account was ever investigate it wouldn't continue to report these errors as outlined. 

This repossession is reporting still continues to report multiple inaccuracies, incomplete, & unverifiable info! Different dates of XXXX, XXXX, XXXX, questionable balance, and inconsistent payment history and payment status. Also, this account is in several consumer statutory and federal violations. Under the laws of MASS and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.

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 2022-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
I received 400 dollars as payment for work done in my PayPal account on XXXX XX/XX/2022 at XXXX am ( EAT ). 
I was very excited, as we were really waiting for the money to buy food for our children and take one of our daughters to the hospital. 
When I logged in to PayPal to withdraw my funds, I was asked to first provide some more information, including my ID or Passport photo and proof of fulfillment for the two latest transactions ( at XXXX am ). 
I gladly obliged and gave them all the information required of me, and was very careful to make the passport photo very clear and the receipts for the transactions legible. 
At XXXX am, I received an email from Paypal saying my information is being reviewed, and once they complete their review, they will get back to me regarding the status of my account in 3 business days. 
At XXXX pm, XXXX XX/XX/2022, I received an email from Paypal saying I can no longer do business with PayPal, after a review, they decided to permanently limit my account as they found potential risks associated with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX. 
XXXX XXXX {$290.00} Credit Line {$300.00} On Tuesday XX/XX/XXXX Experian decreased my credit score by XXXX points because my credit card reached the amount of {$290.00}. They say because of the high usage increase. A credit card is used to help rebuild your credit. How can they take lower my credit score because I used my credit card. In XX/XX/XXXX, I use the exact same credit card and paid it off in full in XX/XX/XXXX and I did not get an increase in my score. I am not behind on this card. It is paid on time. I feel as though the Credit Bureau is trying to hold me back from building up my score. I have a vehicle that I have been paying for on time now for 2 years and not once has my score increased from that. 
XX/XX/XXXX, Experian decreased my credit score by XXXX points because I went over the limit on my XXXX Credit Card. Which this card has been paid on time. Not once did they increase my score for making on time payments. But they quick to decrease my score. When they do increase my score its only by XXXX or XXXX points, but when they decrease it is always XXXX digits. Again I feel as though they are trying to keep my score below XXXX. Every time I get above XXXX they start decreasing it. I have complained about several companies reporting past due accounts on my report two to three times a month and nothing is being done about it. XXXX XXXX XXXX is one of the companies. They reported the same accounts on XX/XX/XXXX and XX/XX/XXXX. I am really trying to figure this out. Again each time my score gets above XXXX Experian starts decreasing it. Within the past two months they have decreased my score by XXXX because of my usage of my credit cards. As a XXXX American person, I truly feel as though I am being held back for some reason. Again why would they decrease my score for my credit cards when I am not behind on them. It does not add up, it does not make any sense.

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 2022-01-27 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: TN

Complaint narrative:
I recently sent you a request to reinvestigate the information that I previously disputed. I do not allow e-Oscar or any automated method of verification, It is unacceptable and I am getting upset. If the information is not immediately reinvestigated and removed and If you continue with your willful noncompliance with the law under Fair Credit Reporting Act, I reserve the rights to file a law suit against your company or any company you represent.

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 2022-01-27 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I have requested this company several times to update my payment history. They are currently reporting an account that was paid for and closed and PAID AS AGREED wrongly. They are reporting across the 3 major reporting agencies the history of late payments, there is a complete inconsistency in their reporting across all three. I have also contacted the reporting agencies to deal with this situation. Their lack of proper and accurate reporting is deteriorating my " creditworthiness '' and stopping me from getting credit extended to me, affecting my financial and overall life. Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account as late for any purpose.

Furthermore, pursuant to 15 USC 1681a- ( e ) factual information SHALL NOT be included on a consumer 's 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 2022-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: CT

Complaint narrative:
I have made countless calls to Truist 's customer service resulted in calls of 30 minutes or more only to have the call drop and no call back from the representative. I ordered a debit card and received the letter with the pin number but no card and going on 3 weeks now I have not received it. 

I called customer service in an attempt to access my online banking and was told I have to fax my request. I need to access 5 years of records in order to qualify for Elder Care coverage and am unable to get any assistance from my bank. 

I have no access to my funds or my statements and the bank has charged me for 3 months of statements which they have not sent. My monthly social security check goes into my checking account and I need to pay for rental expenses. 

Can you please assist me?

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 2022-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
On XX/XX/2021, I sent CCS an invoice for violating my rights. CCS must pay the attached invoice pursuant to 15 USC 1692k.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: TN

Complaint narrative:
After viewing my most recent credit report, I noticed unauthorized inquiries. I have never give consent for these company to pull my credit report :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: MO

Complaint narrative:
i already contacted the company in XX/XX/XXXX, on the XX/XX/XXXX that's my second time i'm trying to contact the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: MO

Complaint narrative:
i already contacted the company in XX/XX/XXXX, on the XX/XX/XXXX that's my second time i'm trying to contact the company.

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 2022-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX I mailed a certified letter to Calvary Portfolio Service requested an account on my credit report be removed or verified. On or around XX/XX/XXXX I received a response letter from Calvary stating that they are in response of my letter pursuant to the Fair Credit Report ACT on the referenced account and to accept their response letter as validation for the debt I am disputing. 

On or around XX/XX/XXXX I mailed a response letter via certified mail to Calvary Portfolio Service requesting detailed information regarding the validation of the debt and again to remove the debt from my credit report if they can not provide the proper information. To this date ( XX/XX/XXXX ) Calvary Portfolio Service has continuously failed to validate the debt as requested. 

On or around XX/XX/XXXX I received via USPS documents from the State Court of Henry County regarding a civil action filed on the behalf of Calvary Portfolio Service. This Civil action has been filed to garnish my wages from a company that I am not affiliated with and have never been employed by. Despite Calvary Portfolio Service not providing any information regarding debt validation they are pursuing legal action against myself and a small business owner on the basis of a un-validated debt.

Calvary Portfolio Service is using bullying tactics to force me to pay a debt that they are unwilling to validate. Additionally, Calvary Portfolio Service has seeked out fictitious information regarding a small business owner that I am not affiliated with and has not employeed me. Furthermore Calvary Portfolio Service 's failure to remove this in-valid debt is severly damaging my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
In XXXX, we were presented with the opportunity to consolidate my husbands student loans with mine, to reduce our monthly payment. Being that we were both XXXX, also going through grad school, with a XXXX, we thought this was a way to keep ourselves on track to eventually pay off our high student loans. We were in a situation where we had minimal income, a small family, and classes we still had to take to make a decent living wage as XXXX. We consolidated into a FFEL Spousal Consolidation Loan. Little did we know that by signing on that dotted line, that we would put ourselves forever in debt, with no possibility of receiving the Public Servant Loan Forgiveness available to XXXX  like ourselves. Once we conceded our loans to this now defunct program, we disqualified ourselves from many benefits other student loan holders have. Had we been told this, we never, ever would have committed to this. We have paid our loan religiously since then, and havent even taken a single dollar off the original principal value of the loan. We actually owe more now, over 15 years later, than we did the day we entered into the consolidation loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: TN

Complaint narrative:
After viewing my most recent credit report, I noticed unauthorized inquiries. I have never give consent for these company to pull my credit report :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief