vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-14 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: MN

Complaint narrative:
I am repeatedly receiving phone calls at XXXX XXXX. and XXXX XXXX from XXXX XXXX XXXX XXXX, XXXX  for an account and debt from XXXX XXXX XXXX XXXX XXXX XXXX, for {$6200.00}. The collection account and debt is listed on my Trans Union, XXXX and XXXX  credit report. The collection account or debt, is not my account or debt. The collection account does not belong to me. XXXX XXXX XXXX XXXX, Representatives is steady calling me annoying and harassing me, using abusive and profane language against me, threatening me with XXXX and XXXX, all for an account and debt thats not my account or debt. XXXX XXXX XXXX  has frightened me and put me in fear of losing my life. XXXX XXXX XXXX XXXX, is in complete violation of The Fair Debt Collection Practices Act ( FDCPA ) under federal law. Their business practices are frightening, unethical and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I've used Paypal for many years. I set up a secondary account a year ago that I've been unable to access because they claim they will only send the code to my phone. Ironically, they've now locked me out of my primary account ( with thousands of dollars in transactions ) and claim they will only send an email. I no longer have access to the old email, so I called and they refuse to take my call, having their automated system hang up on me immediately, 4 different times This account should still had funds, has my credit card information and debit card information and has transaction histories I need for tax reporting. I expect a response. I'm not able to delete all my personal information or access it for reporting, they've completely scammed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 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: LoanCare, LLC
State: MT

Complaint narrative:
Due to covid 19 I had to put my mortgage in forbearance but I was told it would show on my credit negatively

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I sent a letter to Capitol one in XX/XX/2019 along with a phone call reporting that I will no longer be responsible for this account and they advised they would remove me. Now they never did and I am not responsible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 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: MN

Complaint narrative:
I am repeatedly receiving phone calls at XXXX XXXX and after XXXX XXXX. from XXXX XXXX XXXX representatives for a collection account and debt from XXXX XXXX, XX/XX/2020 for {$2400.00} thats not my account or debt. The collection account is listed on my Trans Union, XXXX  and XXXX credit report. XXXX XXXX XXXX representatives is steady calling me annoying and harassing me, using profane language against me, making threats of XXXX  and XXXX against me, threatening me with arrest, jail and prison time, all for an account and debt, thats not my account or debt. I am scared and in fear of my life. XXXX XXXX XXXX  business practices is dishonest, unethical, illegal and unlawful. XXXX XXXX XXXX is in complete violation of The Fair Debt Collection Practices Act ( FDCPA ) under federal 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 2021-02-14 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:
XXXX paid off my XXXX XXXX XXXX. 
XXXX XXXX XXXX still shows open account in Equifax XXXX Disputed with Equifax. Equifax rejected my dispute said it was accurate. 
XXXX disputed with Equifax XXXX Sent Equifax copy of XXXX XXXX records showing account paid off, sent copy of letter from XXXX XXXX saying all is clear, sent copy of County Recorder record showing documents recorded. 
XXXX Equifax closed dispute. No change on my credit report. Unable to open XXXX  with explanation of dispute resolution. The Equifax XXXX  won't open because apparently it is corrupted with virus. I have made several calls to Equifax during this time but phone people are very nice but very limited. 
XXXX XXXX XXXX months after payoff ; account still shows open, can't read the dispute resolution because it won't open I ask if they could put up a new explanation free of virus and they said they can't, can't accomplish anything on the phone, can't make another dispute because their process has me blocked from making another dispute. This is not hurting my credit because i have an XXXX but it certainly exposes the frailties of their system. I know in a large operation you can't be perfect, but the true up process needs to work. All I want it to make my account accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Finance Company, Inc.
State: FL

Complaint narrative:
The charge of ( {$5600.00} ) needs to be paid through my medical insurance. I contacted Professional Finance ( XXXX ) about the charge. I was told to contact the original creditor. I contacted XXXX XXXX XXXX XXXX they told me to contact the debt collector. I called back and was told it was it would remain in collection. 
I asked for the account # XXXX & date of service XX/XX/2018. I contacted my insurance about the incorrect charge on my credit. The charge was initially removed and the financial company placed it back and said it would continue being placed back on and ruining my credit until I pay the full amount and interest would continue to grow and each interest would and is going to drop my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
Account is owned by Synchrony Bank -- - Original Message -- - From : " XXXX XXXX  XXXX '' XXXX Received : XX/XX/XXXX XXXX XXXX EST To : XXXX Subject : Other Inquiries Hello, We have attempted to pay our balance due on card prior to promotion expiring as we were not aware, but this was denied so we would like to fine a grievance. I'm willing to payoff our balance of XXXXXXXX  prior to interest being added last month, but will not pay XXXX now on my card. I will also file a complaint to the " Consumer Financial Protection Bureau '' if we are not able to resolve this issue since this practice does not seem legal or ethical. Thanks XXXX XXXX From : Customer Service To : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, Thank you for your recent inquiry regarding your Synchrony Bank account, and the opportunity to be of service to you. 

We apologize for the delay in our response. Your inquiry is important to us. 

I hope that this message finds you well. 



Due to the nature of your inquiry, we have escalated your request to our corporate office for handling. You should expect to receive a written response within 7 to 14 business days.

We appreciate you as a valued Synchrony Bank account customer. If you have any questions or if we may be of further assistance, please contact us via the Online Message Center or at XXXX Sincerely, XXXX.XXXX  Customer Service From : XXXX XXXX XXXX To : Customer Service XX/XX/XXXX XXXX EST Reply Hello, We have not received any written responses from you and would appreciate your attention to our inquiry. Thanks 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 monetary relief
Consumer complaint received 2021-02-14 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: CL Holdings LLC
State: TX

Complaint narrative:
Upon calling I informed them that the account is someone elses so they would not send any documents and said they dont have any. Plus the original debt appears to be over seven years old and I dont have a XXXX XXXX card which is the original creditor and now this is a debt collector

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 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: MN

Complaint narrative:
I am repeatedly receiving phone calls at XXXX XXXX and after XXXX XXXX from XXXX XXXX XXXX representatives for a collection account and debt from XXXX XXXX, XX/XX/2020 for {$2400.00} thats not my account or debt. The collection account is listed on my XXXX XXXX, Equifax and XXXX  credit report. XXXX XXXX XXXX representatives is steady calling me annoying and harassing me, using profane language against me, making threats of death and XXXX against me, threatening me with arrest, jail and prison time, all for an account and debt, thats not my account or debt. I am scared and in fear of my life. XXXX XXXX XXXX  business practices is dishonest, unethical, illegal and unlawful. XXXX  XXXX  XXXX  is in complete violation of The Fair Debt Collection Practices Act ( FDCPA ) under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 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: BARCLAYS BANK DELAWARE
State: OK

Complaint narrative:
Barclays Bank in Delaware received a copy of my credit report without consent out reason.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Kirschbaum, Nanney, Keenan & Griffin, P.A.
State: MD

Complaint narrative:
On XX/XX/XXXX the law firm of Kirschbaum, Nanney, Keenjan & Griffin, P.A. scheduled and attended a hearing in XXXX County Distrist Court with XXXX  XXXX  XXXX  XXXX  of North Carolina, Incorporated XXXX XXXX  XXXX  North Carolina that the consumer was not able to attend due to work certification and that the court was notified of and requested a continuance for approximately 30 days in advance. The firm falsely stated that XXXX XXXX XXXX of North Carolina, Incorporated ( XXXX ) was still the same company that they filed a Complaint on an expired judgment entered on XX/XX/XXXX for the XXXX XXXX XXXX XXXX of North Carolina, Incorporated D/B/A Progress Energy. Under the filing XXXX the court denied the consumers continuance and agreed that the company was still wholly-owned by XXXX and was operating as a foreign entity in the state of North Carolina. However this determination request written by XXXX 's counsel XXXX XXXX on XX/XX/XXXX to the XXXX XXXX XXXX ( XXXX  ) to avoid disqualification under rule 506 ( d ) of Regulation D. In it XXXX states it is in fact wholly-owned by XXXX XXXX and has been since XX/XX/XXXX. Further XXXX States it is controlled and ran entirely by XXXX XXXX XXXX 's and subject to total control by XXXX XXXX on page 6 and 7 and on pages 5 and on page XXXX XXXX states it is not a reporting company under the SEC XXXX and XXXX XXXX XXXX states " XXXX XXXX 's acquisition resulted in a change of ownership, control and management of XXXX and XXXX. XXXX and XXXX are now wholly-owned subsidiaries of XXXX XXXX. XXXX is now led by XXXX XXXX employees. '' Based on this evidence Fraud upon the court has been committed and it appears the SEC has been mislead in the companies present status if it is operating as a foreign entity. As XXXX XXXX XXXX XXXX North Carolina, XXXX XXXX XXXX XXXX North Carolina was not formed until XX/XX/XXXX per its fiticious name certificate it is impossible that the Plaintiff would have been party to the judgment entered on XX/XX/XXXX and is attempting to unjustly enrich itself via fraud upon the court. Further as I am a XXXX resident and the action took place across state line other violations may be present.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC
State: NJ

Complaint narrative:
ON XX/XX/2021 CORELOGIC CREDCO RECEIVED AND SIGNED FOR MY LETTER VIA US ( CERTIFIED MAIL # XXXX ) THAT WAS DATED XX/XX/2021, THE LETTER SPECIFICALLY REQUESTED THAT A SECURITY FREEZE BE PLACED ON MY CORELOGIC CREDCO CONSUMER CREDIT FILE. CREDCO FAILED TO ADHERE THE THE FCRA AND FACTA ACT BY NOT HONORING MY REQUEST FOR A FREEZE ON MY CONSUMER FILE. CREDCO ALSO RECEIVED COPY OF MY STATE OF NJ DRIVERS LICENCE AND WEEL AS A COPY OF MY SOCIAL SECURITY CARD THAT CLEARLY IDENTIFIES MY IDENTITY. CREDCO RESPONDED BY SENDING ME A REPLY LETTER ABOUT IRRELEVANT INFORMATION ABOUT OTHER CREDIT BUREAU AGENCIES PROCEDURES EVEN THOUGH I SPECIFICALLY STATED IN MY REQUEST TO FREEZE MY CREDCO CONSUMER CREDIT REPORT. 
ATTACHED TO THIS COMPLAINT IS MY REQUEST LETTER ( WITH REDACTIONS ) FOR THE FREEZE AND CREDCO ERRONEOUS REPLY TO MY REQUEST. 

IF MY REQUEST IS NOT HONORED I WILL SEED DAMAGES IN A COURT OF 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 2021-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
Upon calling I informed them that any medical debts that I had were covered under insurance and had no record of this debt, they would not send me documents with my signature that I agreed to pay this amount nor would they verify that I signed any contract for this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
On XX/XX/2020, I came back from XXXX after doing some grocery shopping and randomly decided to scroll through my credit accounts to see what debts I had to pay off. I went to my Military Star Card account, logged in, and to my astonishment, I found all of these alarming charges that I didn't made. Overall, the charges amounted to {$3300.00} and till this day, nothing has been done to reimburse these charges and to reinstate my account to its previous state. I was sent an email from ECP Fraud Department stating that I am being held for these charges due to the police report being " blacked out '' to protect the PII of the suspect that have committed this crime. It is now XX/XX/XXXX, 8 months after the fact and yet nothing hasn't been done to resolve this issue. I need help to get this situation resolved. Thank you for understanding my predicament.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
Last XXXX my mortgage company contacted me during my forbearance to see what my intentions were at the end of my forbearance. I conveyed that I was requesting it be extended for the next six months. At that point they said just contact them before the end of XXXX and it will be processed then. So i contacted them and they began requesting financial documentation through their loss mitigation department. I explained to them that a forbearance request DOES NOT REQUIRE DOCUMENTATION. It was argued that they did and if not they would begin several different processes to determine my eligibility, but only if i provided typical loan documentation. So they wouldn't process my new forbearance if I didn't provide the documentation, or pay my remaining forbearance balance. So we took every XXXX we had, and paid the two payments that remained on my balance. We literally had to choose between food and shelter, we chose shelter. Now we are approaching the end of forbearance # 2 and the calls are coming and I am petrified that they are going to take adverse action against me. I can not sleep, I am getting collection calls from them, this is no fun. We are more than likely going to sell our home to protect our family from more stress due to my mortgage companies aggressive tactics.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I have a loan with Credit Acceptance. I am supposed to pay XXXX every two weeks but since the Pandemic I have been paying it monthly {$270.00}. I lost my job and my home so I do my very best to keep my car. I have my bank statements showing I paid and I am not in the rears and these people call me 5 times a day even after I submitted documentation for them to see. They are harassing me when in fact I am waiting on them to check the information that I submitted. I am submitting my phone records to show how XXXX  this is. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Constantly getting emails about credit reports, credit card capital one invoices about payments ... and Ive NEVER had a credit card in my name EVER ... Im XXXX Ive applied but have never been approved so the fact there are credit cards out there somewhere in my name is ridiculous ... how do we get this fixed??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 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: MO

Complaint narrative:
Process started XX/XX/2020 and no progress so far on the incorrect credit info

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lending Club Corp
State: FL

Complaint narrative:
I called the company several times in XXXX to try and make a payment but without knowledge they closed my case and wouldn't allow me to make a payment and now it's affecting my credit report tremendously. I didnt receive payments from unemployment till then and had kept them informed since I lost my job in XXXX because of pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
Beginning with its statements in XX/XX/2020, American Express began including a " minimum payment '' amount to cardholders of pay-in-full cards. Cardholders who paid the minimum payment and not the full amount were tricked into changing their card terms from pay-in-full to pay-as-you-go, earning extra interest and late fees for the company. 

The company says a notice was sent to customers, but the notice is inadequate. It should state on both the website payment portal and in the statement that paying the minimum due will materially change the terms of your AmEx account, and the impact could mean thousands of dollars in additional interest and late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-14 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: MO

Complaint narrative:
Process started XX/XX/2020 and no progress so far on the incorrect credit info

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 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: MO

Complaint narrative:
Process started XX/XX/2020 and no progress so far on the incorrect credit info

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Please stop harassing phone calls

Company response to consumer: Closed with explanation