vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-16 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Prior to the Coronavirus Pandemic and the Governor 's order to " Stay-at-home '', thus shuttering all non-essential businesses, my business credit account with American Express were in good standing. 

After the shut down of my state, on or about XX/XX/XXXX, I called American Express to let them know that my business had been impacted. I asked specifically if they had any type of payment assistance or forbearance plans available. 

I was told " no '' they had nothing to offer me. 

I explained to the Agent, that due to the mandatory closure of my businesses, I would no longer be making my regularly scheduled payments until the emergency was lifted, and I could get my business back open. 

A few weeks later, the U.S. Congress passed the CARES Act which to the best of my knowledge gave credit card companies the ability to waive minimum payments for debtors while still accruing interest on their balances. In addition creditors were forbidden to report any new negative activity. 

The CARES Act seemed to be a fair deal in lieu of harming consumer 's personal or business credit. 

Sometime after the passage of the CARES Act, I began receiving ominous calls from American Express. The pre-recorded messaged asked me to contact them, or to log into my account to discuss an important matter. However whenever I logged into my Business Accounts, there were no banners or links anywhere on their site to request payment assistance or forbearance. 

On XX/XX/XXXX, I became aware American Express file a Charge Off in the amount of {$1400.00} on my personal credit bureau profile. The account number reflected was erroneous and made up. I have no record of this debt. 

If however this amount is supposed to be reflective of one of my Business Accounts with American Express, then I believe their attempt to collect should be levied against my business account, not me personally. 

Furthermore, the CAREs Act is supposed to protect consumers during this pandemic against unjustified negative credit reporting activities. 

I believe I did my part to maintain a good business relationship with American Express by calling early in the process. I believe if they were unable to devise a proper payment forbearance program to assist me and other consumers, that is their prerogative. However, they should not be breaking the Law. 

The CARES Act prohibits negative credit activities. Both for personal and business accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: AL

Complaint narrative:
Midwest recovery continues to place delinquent collection accounts on my credit report. Every few months a new collection account appears. I never receive any mail correspondence and I have never gotten a phone call from Midwest. They just add collection accounts and every few months I have to dispute to get them removed. It lowers my credit score each time but it never goes back up. Im begging for assistance with this again today. Im unable to understand how this keeps happening. Also the date opened on the collection account is dated for XX/XX/2020 when I know I have not opened any new accounts. If this account exists I cant even get an accurate year because they report it to the credit bureau as new each time. This is fraudulent and unfair because even after removing these accounts my credit never recovers to the score it was prior. This year alone I have dropped by 22 points with this newest collection and in XXXX when this happened I dropped 22 points. Thats 44 points in 4 months, even though the XXXX collection attempt was removed. I cant get ahead because Midwest recovery keeps doing this to me. Please assist Im very frustrated that in the midst of this pandemic, myself a nurse is fighting to stop fraudulent credit reporting tactics by Midwest Recovery once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: Revolut Technologies Inc.
State: TX

Complaint narrative:
I made a transfer of XXXX  Shekels from a Revolut account to an XXXX bank account. XXXX Shekels were delivered. XXXX offered 0 fee transfers with a caveat that intermediary banks may have fees, but no estimation of those fees was provided. Further, upon contacting customer service, no explanation of the fees could be provided. I confirmed with the XXXX bank that no fees were charged to receive the money.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Block, Inc.
State: FL

Complaint narrative:
My mom XXXX XXXX worked remotely for XXXX XXXX, a company in texas 2 years ago. She did not own or have any financial interest in that company. 

My brother and I, XXXX and XXXX XXXX are Florida XXXX XXXX XXXX and own 100 % of XXXX XXXX XXXX, XXXX. We processed a payment from a customer using Square for XXXX and Square withheld XXXX to pay a debt owed them by the company in Texas, XXXX. 

Weve explained and provided documents showing that myself and my brother, XXXX and XXXX, and XXXX XXXX have no relationship and never have with XXXX, and that our mother, XXXX does not have any financial interest in our XXXX XXXX, but they refuse to listen and are taking money as a debt collector for a company we have nothing to do with. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: IL

Complaint narrative:
To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Equifax regarding these items. 
I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( The previous request not honored ). As the following items can not be verified mine, please correct status or delete them from the credit file : COLLECTIONS XXXX {$990.00} not mine XXXX {$100.00} not mine XXXX XXXX {$1400.00} not mine PUBLIC FILINGS BANKRUPTCY : DISCHARGED CH-XXXX XXXX not mine Identification already on file, please notice your internal notes. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block, etc. on my file without my expressed permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
During the Covid situation has taken over our lives I contacted Ally who is where my car loan is through. We explained our plate loss of jobs loss of income loss of life.When contacting Ally they were willing to help us. Many months later the situation has not changed so which changed with their help they no longer are willing to help during this crisis situation. What recourse are do we 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 explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Experian regarding these items. 
I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). As the following items can not be verified mine, please correct status or delete them from the credit file : XXXX XXXX XXXX XXXX  XXXX never late XXXX  XXXX XXXX XXXX XXXX XXXX never late DEPT OF ED/XXXX XXXX never late DEPT OF ED/XXXX XXXX never late DEPT OF ED/XXXX XXXX never late DEPT OF ED/XXXX XXXX never late DEPT OF ED/XXXX XXXX never late XXXX XXXX XXXX  XXXX never late COLLECTIONS XXXX XXXX  XXXX {$990.00} not mine XXXX XXXX XXXX {$1400.00} not mine PUBLIC FILINGS BKPT   CHAPTER-XXXX XXXX not mine Identification already on file, no changes, please notice your internal notes. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.

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 2020-07-16 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: FL

Complaint narrative:
I have asked TransUnion Numerous times to send me a signed copy of everything XXXX say 's I purchased on a account they have yet to provide me with this information. I need these copy 's because I did not make these charges. XXXX  has deleted this account from my credit reports because they could not provide this information. Transunion needs to provide me with the information or this account needs to be deleted from my credit report. I never opened a XXXX account nor received any items from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
When logging into my account on a new device on XX/XX/2020, I was prompted to choose where I would like my security code sent. While I have never provided a phone number to Synchrony for this purpose, it displayed 3 partial phone numbers, 2 of which definitely did not belong to me. One appeared to be my current cellphone number, but the other 2 numbers are not mine and I wasn't sure where they came from. 

I contacted Synchrony on XX/XX/2020 about this issue and they said they had no control over them and they " use a 3rd party database that matches phone numbers to you ''. I find this an unacceptable and clearly unreliable way to provide security codes for personal bank accounts.

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 2020-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd
State: FL

Complaint narrative:
On XX/XX/2020 I sent a certified letter to Nationwide Recovery Sys ( see attached ). I advised them that this debt is not mine and to please remove it from my credit report. Prior to this I requested validity and nothing was presented. After receiving my letter Nationwide recovery once again reported to the credit bureau this debt on XX/XX/2020. On XX/XX/2020 at XXXX XXXX  I called Nationwide Recovery to speak to someone regarding the letter I sent via certified mail. My call was passed around to 3 different people. The 2nd person stated that I had five accounts under my name, I said how can I have five and you are reporting only one. The 3rd person stated that he was a manager. Neither of the three individuals cited the mini miranda to me. I asked his name and he mumbled his last name so I could not understand. He then stated all calls are recorded. So I said great can I record the call as well. He then proceeded to say " I can not continue this call if you will be recording '' So I mentioned to him " since you are recording the call so can I and I don't see the difference ''. He then stated that it was for my safety, I responded saying thank you this is for your safety and mines as well. This gentlemen did not want to take my call thereafter. I advised that I sent a certified letter and wanted to speak to someone about the collection. He proceeded with he can not continue the call we then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from TransUnion regarding these items. 
I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( The previous request not honored ). As the following items can not be verified, please correct status or delete them from the credit file : COLLECTIONS XXXX XXXX  XXXX XXXX XXXX XXXX {$100.00} not mine XXXX XXXX XXXX  XXXX  XXXX  XXXX {$990.00} not mine Identification already on file, please notice your internal notes. Please send a complete updated copy of the credit report. Additionally, DO NOT place a fraud alert or promotional block, etc. on my file without my expressed permission.

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 2020-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
The debt is not mine.

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 2020-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I XXXX XXXX XXXX XXXX, have alway paid my debts deligently, on or about XX/XX/2018 American Express laid to my charge, a bogus in debtness, because of a time share seminar, held in XXXX XXXX SC. I was told by the facilitator I had to have major credit card. To get the gifts they offering that day. They charge indebtness to my American Express ending number XXXX without authoration. I mistakely paid them over {$3000.00} toward wrongeful action. They later Change indebtness to another American Express Card number XXXX, These charges are wrongful, to their advantages of a high interest rate of over 20 %. American Express has been on the side of the merchant, To collect this bogus indebtness, because of the high interest rate the charge. In Closing this statemet is True and correct. I am owe {$3000.00} frome original bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
There is a hard credit check for a mortgage company but I never applied for anything like that. Company is XXXX-midatlan and its from XX/XX/2019 XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: MO

Complaint narrative:
I applied and was approved for a Discover card. Once I received my card and activated it, I was contacted by a department in Discover called account verification. They requesting additional information regarding my account and my account was put on hold. A few days later, I received an email stating they were closing my account because they couldnt verify my information. 
I never used the discover card and now I have a balance and they are reporting me as 30 days late on my credit report. 
To my knowledge my account was on hold then closed, at no time in between was there a chance for me to use the card. 
I called several times to try and resolve this with Discover as they said I was responsible for the charges although I didnt make them. I explained that they were the ones who put the hold and closed my account before I even got a chance to use the card. 
I never used my Discover card to make purchases. Discover is unfairly and inaccurately reporting to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Good Morning, I have been attempting to link my account with XXXX in effort to begin buying stocks. I have continued to be blocked by PNC to link my checking account with XXXX. I do not understand the reason for this. Please provide me some type of addition information. Thank you. 

Respectfully, Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/2020 I initiated two transfers in order to draw my account to {$0.00} in advance of closure. Transfers were declined and now I find that I am unable to close my checking and saving 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 2020-07-16 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: FL

Complaint narrative:
someone use my ssn to apply and open several fraudulent accounts that I did not do they stole my personal information and used it I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-07-16 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: MD

Complaint narrative:
This account has a balance of {$5500.00} on a charge off. This account has to be deleted because there should not be a balance on a charge off account. SEE ATTACHMENT FOR ACCOUNT IN QUESTION

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 2020-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Have spent more than a month trying to reverse a transaction with PayPal for the sums of XXXX. The initial transaction was completed on XX/XX/XXXX. Subsequently, the funds have been held is suspension by PayPal for the entire time, and neither the payor nor the payee has access to them. PayPal refuses to either reverse the transaction or release the funds, leaving them stuck in purgatory while, presumably, PayPal leverages the captive funds to earn incremental income on the float. Multiple attempts to reverse the transaction have occurs from both the payor and payee have been attempted, and the responses from PayPal have demonstrated a consistent unwillingness to understand the issue, or work constructively with either party to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: MD

Complaint narrative:
I have repeatedly informed Equifax -- via letters and phone -- about credit inquiries, which I DID NOT initiate or authorize, that continue to appear on my report. 

Equifax has consistently failed to rectify this problem, and my credit rating and ability to obtain legitimate credit has suffered. The following false credit inquiries must be deleted : -- XXXX XXXX, XX/XX/XXXX -- XXXX XXXX XXXX, XX/XX/XXXX -- XXXX ( no date ) -- XXXX, XX/XX/XXXX -- XXXX, XX/XX/XXXX -- XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation