vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: MI

Complaint narrative:
XXXX/XXXX/2020. Spoke with Stillman Law office. I called in to try and make a settlement with them. They denied settling with me and also let me know that there was a judgement agianst me that I was never informed of. They threatened to garnish my wages, threatened to garnish against my home and threatened to garnish my tax refund. These people do not even have my name correct and the claim is innacurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
After reviewing documents requested from company under the name : Portfolio recovery and associates inc. I have noticed multiple inaccuracies and violation under the consumer laws. As a result, I hereby challenge any claim that may owe ; the company. 

Reason ; the company has my name & address inaccurately ; violation The company has inaccurate, misleading amounts owed ; violation The company has not provided proof that statue of limitations has not passed in my resident state ; violation Company has not provided required license or bond to collect a debt in my state of Florida ; violation Company has not provided documents of which may show my signature as proof that I agreed to pay what the company claims I owe ; a violation of FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
XXXX XXXX XXXX is attempting to collect a debt from apaypal account from XXXX. The account indicates XXXX due. At the time this occured it was erroneuos charge through paypal using my credit card. The amount was used to purchase a laptop. I ws alerted from paypal at the time and was informed the charge was reversed. In approximately XXXX of XXXX I received notification of the amount going to collection. When the erroneous charge took place through paypal I had my bank account also linked to the account. I was advised to close my bank account and the paypal account. I have never heard fro paypal for 6 years until the alleged account was sold to XXXX XX/XX/XXXX I contacted them multiple of times including a notarized affidavit and the charge still shows up on 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 explanation
Consumer complaint received 2020-11-10 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: CITIBANK, N.A.
State: OH

Complaint narrative:
I was employed with a federal government agency ( OCC ) and had a federal government card through Citi corporate and government cards. When I left the job, I closed out eh card, including teh unpaid balance of {$83.00}. When I paid off the card and left the job, Citi closed and deleted the account to the point where they are not able to find it in their system. Citi continued to report the {$83.00} as a balance on my credit report even though is was paid off and closed. The {$83.00} has been on my credit report for nearly four years now, and is showing as seriously delinquent, which severely impacted my credit score in a negative way. 

This is of no fault of my own. I contacted citi several times about this error and because the card was deleted from their system, they are not able to locate the account so are refusing to contact credit reporting agencies about the inaccuracy. 

I would like the false information removed and my credit profile changed to show that I did not and do not have a delinquency.

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 2020-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
CREDIT REPORTING AGENCIES VIOLATED " FCRA '' SECTION 607 AND 609 REPORTING INCORRECT DATA OF ACCOUNT STATUS ... .PUBLIC RECORDS NEVER HAD ANY BANKRUPTCY AND ALL OTHER ACCOUNTS " PAID IN FULL '' / NEVER LATE ... .ACCOUNTS HAS {$0.00} BALANCE : " XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX '' ... ... NOTE : XX/XX/XXXX FILE # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
CREDIT REPORTING AGENCIES VIOLATED " FCRA '' SECTION 607 AND 609 REPORTING INCORRECT DATA OF ACCOUNT STATUS ... .PUBLIC RECORDS NEVER HAD ANY BANKRUPTCY AND ALL OTHER ACCOUNTS " PAID IN FULL '' / NEVER LATE ... .ACCOUNTS HAS {$0.00} BALANCE : " XXXX XXXXXX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX '' ... ... NOTE : XX/XX/XXXX FILE XXXX 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 2020-11-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hard inquiry on my account by XXXX XXXX XXXX XXXX dated XX/XX/2020. I have no business with an organization by this name, no exiting credit relationship, nor have I sought to obtain a credit relationship with this company. I contacted the company on XX/XX/2020 to ask why they were inquiring on my credit. Their response was that they have nothing to do with any credit reporting. I told them that they must be interfacing with credit reports because their name, address, and phone number is on my report. They then asked for my personal information including SSN to research me. I refused to provide the information because they had previously stated that their company has nothing to do with credit reports and would not have an inquiry on my report. This appeared as suspicious and potentially fraudulent to ask for my information. My credit score was negatively impacted by this hard inquiry that this company enacted against my personal 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 explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
To ; whom it may concern i have been with kohl 's for almost four years in which they started me out with {$300.00} credit limit in which I made off faithfully then after paying that {$300.00} off I didn't ask for an increase because they use to just add it to the credit any that never happen so I used the {$300.00} credit limit again paid it off again in good standard now the third time I called customer credit support an ask why I had not received increase they tell me they to go into my credit again and I asked them why my credit with you all are in good standard they told me to be looking for a letter though the mail in which I was denied again ok now the 4th time I used the card again because my sister an mother had claimed that kohls had done the same to them as well but after the second time kohls ended up giving my sister an increase from {$300.00} to {$1200.00} but never give me nor my mother an increase so again I contacted kohls again on XX/XX/2020 after making a {$50.00} payment on my account in the mist of the phone call I ask the rep could I get an increase because I had received an email from kohls of thanking me on been a loyal customer for four years after reading the email I was truly feeling like that kohls for now starting to discriminate my right under the fair credit protection I paid interest fee taxes but I still wasn't offered an increase I am a united state citizen an feel that I am being discriminated for no good reason I feel and know my other credit merchandise credit always give me an increase every time I pay off my limit so far kohls is the only card that I am having this problem with if I was another color living in a better neighborhood I would have had an increase first time around no question asked. also i have talked with kohls on to many occasion still nothing after telling them that what they was doing to me wasn't right and that i would be seeking help from the consumer protection they told me can't nobody make or tell us to give you an increase so that when I came to term that it was time for me to contact the CFPB concerning this matter all I want is to be treated equal I can see if I missed payments after payments then I would understand but the case is far more sinter then that so I come to you all to please let kohls know they need to play fair the only reason I have not closed my kohl 's account is because I like kohl 's products but I refuse to sit back and be treated unfairly I would close my account out before I let them continue to treat me unfairly..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) This a violation to report a past due status on a collection account.

Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) This a violation to report a past due status on a collection account. 
Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies.

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 2020-11-10 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
There are several inquiries on my credit report that I do not recognize. The following inquries I do not recognize nor did I authorize : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX 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 2020-11-10 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA 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 2020-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited legitimate money orders into a chase ATM and chase bank closed my account and kept my money from the money orders.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: GA

Complaint narrative:
Requested validation of debt. I keep on receiving notification that the debt has been validated. I have sent several request for validation and have not received any thing. This collection account was added to my credit report on XX/XX/2019 and I never received any call or letter in the mail from this company notifying me of any debt owed. I have been fighting for a resolution and I am not getting anywhere. 

Company : XXXX XXXX XXXX Date opened : XX/XX/2019 Amount : {$730.00}.

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 2020-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My personal information, birth certificate drivers license and social security card was stolen on XX/XX/XXXX and today XX/XX/XXXX I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services as described in this report. I did not receive any money, goods, services, or other benefits as a result of the events described in this report. XXXX XXXX # XXXX {$680.00} XXXX XXXX # XXXX {$500.00} XXXX XXXX XXXX XXXX # XXXX {$360.00} XXXX XXXX & XXXX XXXX # XXXX {$4600.00} XXXX XXXX XXXX # XXXX {$400.00} XXXX XXXX XXXX # XXXX {$0.00} XXXX XXXX # XXXX {$2100.00} XXXX XXXX # XXXX {$300.00} XXXX XXXX # XXXX {$86.00} XXXX XXXX # XXXX {$170.00}

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 2020-11-10 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: GA

Complaint narrative:
Experian is currently reporting payment history activity in XXXX on my closed mortgage account after the account closed on XX/XX/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 2020-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX To : XXXX Mon, XX/XX/XXXX at XXXX XXXX  Sirs, I received a collection notice from your company about a XXXX Account I closed . Reference your number # XXXX. The account number is XXXX and was closed in XXXX. I returned a phone on XX/XX/XXXX, per XXXX 's directions, on RMA ( RETURN MATERIAL AUTHORIZATION ) XXXX. The USPS Number was XXXX and was received at XXXX 's XXXX XXXX, TX. facility on XX/XX/2020. Why they sent it all the way to Hawaii  is beyond my comprehension. I have spoken to XXXX representatives at least three times to resolve this issue. The last call the representative confirmed the package had been received and said it would be credited after being processed. I wish you now to resolve this once and for all because now XXXX representatives won't talk to me because they sent it to you. I'm pretty aggravated with the service I received from XXXX after being their customer for over 20 years and never being late on any payment! 

With respect, XXXX XXXX Email : XXXX I have now found out they lowered my credit score on all three credit companies because of this and I'm upset because I have always been responsible for any payment I owe. XX/XX/2020

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I called Macy 's to discuss my pending balance with them, I spoke with representative named XXXX, ID # XXXX. XXXX stated that he could not take a payment over the phone, and that my balance was {$1100.00} and that they could not accept a payment over the phone. He advised me that I had to mail a payment to XXXX XXXX XXXX XXXX XXXX Missouri, XXXX. I found it strange, therefore on XX/XX/XXXX I called again and spoke with Representative ID # XXXX and she stated again that I had to physically mail a payment. However this time it was a different mailing address that was provided. I was given XXXX XXXX XXXX in XXXX, Arizona XXXX as the correct address to mail the payment. I was very confused and concerned, especially as once I advised the representative that just a week prior I was advised by XXXX to send it to a XXXX XXXX Missouri Address. Even more concerning, I was advised that the Macy 's does not have any XXXX XXXX Missouri payment addresses and that the address did not show up any where in her system as being a legitimate payment address for Macy 's. 

Now I don't know which is the correct address to mail my {$1100.00} to, frankly I don't trust either one of these addresses now that I have had time to reflect and consider the strangeness of this ordeal. Every financial institution I have deal has accepted payments over the phone, making it easy for me to rest assured my monies is being handed off to the correct party. Now I have doubts as to were exactly I can send this money to, and ensure that indeed Macy 's is going to be receiving it and applying it to my balance. How do I know my payment is not going to end up in the hands of a disgruntled employee or some other more nefarious situation? 

I trust that my date of birth of XX/XX/XXXX and last for of SS # XXXX will help you locate my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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:
After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. As I stated, I have already given your company quite enough time to investigate the items in question, but I am willing to give you one more chance. If I do not receive results of your investigation within 15 days of receipt of this letter, I will be forced to file suit against your company. I will also be contacting the XXXX XXXX XXXX  and the Federal Trade Commission.

Company response to consumer: Closed with explanation