vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
My loan was originally with XXXX XXXX  when I started my foreberance back in XXXX of XXXX. I was in foreberance for 5 months and then started my payments again. I submitted all the paperwork requested at that time and was informed that the loan modification takes about 30-45 days. I have continued to make all my paymemts to date and have called weekly for updates. XXXX never completed the process that year and then moved my loan to Myloancare as of XX/XX/XXXX. I continued to call weekly for updates and was reassured everything was fine that they are back logged due to XXXX. They pulled my title in XXXX and that was as far as they got. Kept getting the run around as I called weekly. Some of their associates couldn't believe what I was going thru and escelated my file several times. Now we are in XXXX of XXXX and they are requesting all new paperwork because the original is out dated. Also I just teceived a formal letter of intent to foreclose. I have filled out a whole new packet and sent everything again to do my part. I have never heard of any company taking over a year to process a loan till now.

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 2021-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: FL

Complaint narrative:
I have tried several times to have this account removed from my credit report. It is Receivable Management, I do not have any contract or account with this company, yet they have my nonpublic personal information. I have a FTC report as a formal statement that this is fraud. I have requested that the consumer reporting agencies remove this item from my credit report, but they have not complied with my request. They have violated several codes under the FDCPA and FCRA. I am requesting to have this removed from all 3 of the consumer reporting agencies.According to 15 U.S. Code 1692j ( b ) - Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. Under 15 U.S. Code 1692k Civil Liability ; I have attached all supporting evidence including the FTC Identity theft report and the amount of damages that I as a consumer am looking to collect.

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 2021-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
On XX/XX/21 at XXXX Company MCM , Midland Credit Management XXXX called me from XXXX and asked for my husband. I told them that I was at work and I'm not him but the person on the phone launched into a spiel about being a debit collector, call being recorded and proceed to tell me all the information of the debt. When I stated that it's a violation of law to do this in my state, as here in my state the law is " Communication with third parties Except as otherwise authorized in this rule, without the prior consent of the consumer provided directly to the debt collector or collection service, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the collection service. '' and I am none of those thing. So they have violated law by disclosing the amount of the debit and company it is for. All they can ask me is if I know how to reach him. 
At this point they hung up on me. 
I called back, and said I wanted them to know it was an issue. He said he'd mark my number as a wrong number. I said it wasn't a 'wrong number ' but the tactic they are using isn't legal. He hung up on me again. Called again and asked for a supervisor, have been on hold for 15 min at this point. I have to go back to work so I can not try to talk to the company any longer. 
This is not my first encounter with MCM using questionable methods and I am really tired of dealing with them in anyway.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-15 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: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
Received a credit card offer during XXXX flight. It said {$0.00} intro annual fee and 60,000 frequent flyer points after using the card within the first 90 days. I applied in XX/XX/2021 and received an XXXX XXXX XXXX  ( issued via Barclays Bank ) the same month. I used the card and paid it off entirely the same month ( XX/XX/2021 ). It is now XX/XX/201 and I now see an annual fee charge of {$99.00} and still no credit of XXXX points. I have only had the card for 2 months but it says my annual fee would be XXXX for the first year. This appears to be a classic fraud and/or bait n switch tactic.

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 2021-11-15 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: IL

Complaint narrative:
On Thursday, XXXX XXXX, I brought may car to a mechanic to replace a rear passenger side seat belt. The mechanic quoted me between $ XXXX {$250.00} for parts and labor. I was notified the repair was done and texted an invoice for {$460.00}. I went to the mechanic and told them that's not what I was quoted and they told me I had to pay of they would not release the keys. I paid and the part doesn't even work. I went to another mechanic and supplied written proof the installed part doesn't work to Discover. I disputed with my Discover card and they investigated and sided with the merchant. Since then, I have escalated my dispute with Discover and all of the sudden, they decreased my credit limit. Ive been in good stating and my credit is good with Discover for many years. This event has impacted my credit score negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I XXXX XXXX a federally protected consumer under the FCRA has recently reviews Equifax my consumer report and I've noticed 25 unauthorized inquires that was not authorize by me the consumer. Pursuant to the FCRA 15 U.S. Code 1681a credit reporting agencies report 100 % accurate and verifiable information. I never authorize the inquiries and this Constitutes a violation of my federally protected consumer rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy under the 4th amendment rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CO

Complaint narrative:
I have a checking account with Chime Bank and as soon as I noticed that there were unauthorized transactions on my account I called the bank to report the fraud. I called 2 days from the last posted unauthorized transaction as soon as I noticed it when I logged in, online. There are a total of two unauthorized transactions from XXXX XXXX a gym that I have never had a membership with before. The charges are XX/XX/21 {$62.00} and XX/XX/21 {$49.00}. Chime Bank stated that they would do their research and contact me back with the results of the investigation to see if I would be refunded for these fraud charges. They told me that they would get back to me with in 10 days, but they got back to me via email with in 2 business days and told me that the charges are valid. They also said the work was on me to prove that they are fraud charges or unauthorized. How do I prove a fraud that I never did or a charge that I never initiated? I feel unprotected by Chime their promise to protect me against unauthorized transactions. There are multiple stories online on review sites of this company not protecting consumers against fraud transaction and refusing to refund the consumers who called in to report these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: EQUIFAX, INC.
State: MS

Complaint narrative:
In 2019, I ( XXXX XXXX ) entered Into a consumer credit transaction XXXX, ( American Student Assistance ) became serving provider a consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 usc 1605 is the sum of all charges in a consumer credit transaction, because I know the finance charge is the sum of all charges I was not expecting a bill, XX/XX/2019 I received a bill which is a violation of 15 usc 1692k, 15 usc 1692 b2 also the company failed to provide me with a right to rescind which is a violation of 15 usc 1635, also failed to provide me with option to opt out of all credit reporting 15 usc 6802, ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is By willfully doing this American Student Assistance has violated many laws according to truth and lending & FDCPA .Also all consumer credit transaction are not supposed be reported without my consent 15 usc 1681b permissible purpose company failed to provide me with opt notice which is a violation of Gramm-Leach-Bliley Act. I have attached my invoice and License.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
THIS ACCOUNT HAS NO RELATION TO ME AND NEEDS TO BE REMOVED and DELETED FROM MY CREDIT REPORT INSTANTLY. Collection agency is IN VIOLATION OF FCRA SEC 809, IN WHICH YOU HAVE COLLECTED INACCURATE AND INCORRECT LOCATION DATA. I DID NOT LEGALLY SIGN CONSENT FOR YOU, XXXX XXXX OR ANY DEBT TO BE SOLD TO ANOTHER CREDITOR OR DEBT COLLECTOR ..You are not the original creditor, and harassing me at my work place will cease this instant. Remove and delete this uncollectable account from my report. 
SEC.807.FALSE OR MISLEADING REPRESENTATIONS Portfolio Recovery Associates is not the Original creditor of this account nor was i informed that debt was purchased by third party who i did not legally do business with and request the legal " Consumer contract '' bearing my wet signature from the original creditor validating this claim. In addition, please provide copies of accounts complete payment history from open to close, interest rate agreement between you and original creditor relating to the sale of this debt and the accurate GPS location data for time and purchase of the debt or remove the inaccurately reported item from my report or i will continue to use all resources available to me to ensure you pay for the negative impact you are having on my current credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I have a {$25.00} girt card and I have not used it. The card expired after 1 year. I called to get a new card issued for {$25.00} and they informed me that I am not entitled to a new card as once it expries after the first year that all funds are surrendered back to Amex...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I am a full time student at XXXX XXXX University in XXXX, Ohio. I was diagnosed with XXXX XXXX a few years ago. I got a Chase Freedom Student credit card some time back and have not used it. My bank account is shared with my dad who is retired from XXXX XXXX. He mentioned some time back that he was paying my {$40.00} bank charge from his account every month for the past few years. I didn't think much of that, as I thought it might be the charge for maintaining my account which always hovers nears the minimum. A few days back I called my bank and after I inquired about my credit card, I was told I owe {$1600.00} to them. For what? I don't recall incurring that expense EVER on my credit card. My mom was sad after hearing this from me. I did not tell them that I was going get help from CFPB. 
My parents who love me very much just told me 10 minutes ago that they had paid off the full {$1600.00} shown on my Credit card, from their Social Security payments. My heart broke immediately in hundreds of pieces. I hereby request you to 1 ) coax and ask Chase bank to return {$1600.00} to my mom 's debit card that is also from chase and 2 ) That I SHOULD NOT BE CHARGED ANYTHING EFFECTIVE IMMEDIATELY. As a MATTER OF FACT, I AM REQUESTING THE BANK TO cancel my credit card without any prejudice as I am not XXXX! 3 ) Start investigation into the FRAUD THAT SOMEBODY COMMITTED B Y STEALING THE IN FORMATION ON MY CARD AND Get those crooks to pay the retribution for causing financial hardship to an innocent and vulnerable student. That's all! Thanks and hoping for a fair and quick resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: MO

Complaint narrative:
I submitted on XX/XX/2021 a letter, FTC report, and 15 USC1681c-2 block info. I have an identity theft with an account on my Consumer Report with XXXX Only NATIONAL CREDIT SYSTEMS ( ALLEGED ORGINAL CREDITOR ) XXXX XXXXXXXX XXXX. 

This agency is in violation of 15 USC 1681c-2. A consumer reporting agency should block an remove the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. This account is still reporting on my account and they have all of the information that need and its been 6 days since they received the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: GA

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to sumbit a complaint I have completed the report and have attached my documents for proof of ID. I am deeply affected by reporting of these accounts that don`t belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-15 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results

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 2021-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Accurate Background
State: TX

Complaint narrative:
My criminal background or consumer report was requested from a company called XXXX XXXX, on XX/XX/2021. XXXX XXXX requested consumer information for the past 10 years. XXXX XXXX XXXX County put outdated and incorrect information on my credit report multiple times and XXXX XXXX may not hire me because of this incorrect information. There is a disclaimer on the bottom of the report stating my rights and it states, Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. The information was not only inaccurate, but OVER the ten-year request. This information needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: Atlanticus Services Corporation
State: MD

Complaint narrative:
The company by the name of " Aspire '' received an complaint in XXXX of this year and agreed to remove the inquiry on my credit report within 60 days. As of today, it is still there and I need it removed immediately. It's been several months. Below you will see my inquiry from XXXX and the previous complaint with their response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I try to fix the problem last time i send the letter to cfpb and you are still reporting this negative items

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
THIS ACCOUNT HAS NO RELATION TO ME AND NEEDS TO BE REMOVED and DELETED FROM MY CREDIT REPORT INSTANTLY. Collection agency is IN VIOLATION OF FCRA SEC 809, IN WHICH YOU HAVE COLLECTED INACCURATE AND INCORRECT LOCATION DATA AND ACCOUNT INFORMATION.. I DID NOT LEGALLY SIGN CONSENT FOR YOU, OR ANY DEBT TO BE SOLD TO ANOTHER CREDITOR OR DEBT COLLECTOR .You are not the original creditor, and harassing me at my work place will cease this instant. Remove and delete this uncollectable account from my report. 
SEC.807.FALSE OR MISLEADING REPRESENTATIONS Portfolio Recovery Associates is not the Original creditor of this account nor was i informed that debt was purchased by third party who i did not legally do business with and request the legal " Consumer contract '' bearing my wet signature from the original creditor validating this claim. In addition, please provide copies of accounts complete payment history from open to close, interest rate agreement between you and original creditor relating to the sale of this debt and the accurate GPS location data for time and purchase of the debt or remove the inaccurately reported item from my report or i will continue to use all resources available to me to ensure you pay for the negative impact you are having on my current credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: NJ

Complaint narrative:
I have been reviewing my credit report and noticed that a company is trying to collect a debt that I do not know about. I have been a victim of identity theft in the past and believe that this is a continuation of this event. I can not or will not allow this collector to ruin my credit report, because it has never sent any notices or any communications to me so therefore, I would not have known anything until seeing on my report. 

I have never contracted with this company in ANY capacity and wish for this to be immediately removed from my each of my bureau accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
On XX/XX/XXXX I got an email stating I would no longer be able to use PayPal, in any regard. When I called the support center on XX/XX/XXXX they told me they would tell me nothing about why they were banning me. I use PayPal for the occasional online purchase, and to deposit rent money from roommates. After reading the legal and user agreements, I am unable to find any transaction which would result in this banning. My largest complaint as of now is that while I can log into PayPal, I can not remove my credit cards or checking account. This is worrying to me because my PayPal was hacked once before and if Im no longer using it, and they wont allow me to do any transactions ( be it shopping or between friends ) there is no reason for them to hold on to my financial information.

Company response to consumer: Closed with explanation