vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc.
State: NV

Complaint narrative:
I received or returned a phone call on XX/XX/2020 at XXXX hours to/from credit management asking how would I like to take care if a XXXX $ bill place with them for collection before it was added to my credit report. I told them over the phone whatever information you have please send it in the mail and I would respond to a letter, Credit Management never mentioned over the phone that I can dispute the debt. So after the call, I sent a letter stating that I am disputing the debt, and asking for validation and verification. They said they  received the letter on XX/XX/2020. On XX/XX/2020 I receive a notification saying a new collection account has been added from them. I called the same day and asked about it and the said the sent a letter on XX/XX/2020 and I asked what did the letter say and they said it was system generated and could not tell me, and wait for a manager or sup to call me back by the COB tomorrow. I waited and I called back on XX/XX/2020 and was told that they dont know and its been 30 days and I didnt dispute so they added it to my report anyway and its going to stay there until I pay it, even after mentioning I never received anything in the mail. And they told me that I have to contact the original creditor to get details, so I did. I called XXXX XXXX on XX/XX/2020 XXXX hours, after being transferred they told me that I couldnt get any info on the account because I didnt know the security pin or question, and was redirected back to the collection agency that has all the information and details of the account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NE

Complaint narrative:
I have been a customer of PayPal since XX/XX/XXXXwith several successful transactions of both buying and selling, with no issues. I sold 2 pair of shoes on XXXX  and up omg receipt of payment PayPal has held the funds, giving me no access to them until 24 hours after shipment has been delivered. This makes it impossible to pay for shipping or other related expenses associated with the transaction. In addition, PayPal gave me. {$11.00} cash back and when I made withdrawal to my bank, they made me send picture of drivers license, take a selfie and then held my withdrawal for another day when they offered me instant withdrawal to my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 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:
Transunion completed their investigation about an item I disputed with 10 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MA XXXX. They did not remove it from my credit. Apparently its an electricity bill in Massachusetts. I live in XXXX, FL. I have never owned an electric bill in Massachusetts. They need to go after whoever lives in the actual place that receives electricity from the electrical company and not me. I have no idea what type of information the electric company requires to start a bill. I have no knowledge of what personal information of mine they have. I have no knowledge about the bill. It just popped up on my credit report and messed up my credit. I had great credit. When I reached out to 10 XXXX XXXX, they were unhelpful and told me I should do a police report. I can not do a police report from XXXX, FL.

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 2020-09-05 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: DC

Complaint narrative:
Experian continues to report fraudulent activity on my credit report I have provided XXXX XXXX with all of the necessary documents order law and they have removed the portfolio account from my credit report. 


By law Experian must report all accurate information XXXX XXXX has removed and deleted the profile from 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 2020-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/2020 Bank lobby closed due to COVID-19, waited three hours to make credit card payment ( plus did not recive statement ). One long line, two tellers working " one '' window. The teller failed to say your payment is or are aware that you minimum payment due is? After making a payment, a few days later I received an alert that a {$260.00} payment is past due. Around XX/XX/2020, I called Capital One Customer Service ( twice ) each time requesting to speak w/a supervisor to no avail but instead received business closed due COVID-19 lecture and must keep workers safe ( folk protected behind glass safe )! I was told that the ONLY acceptable form of payment is through my checking account, mail in or bank because they do not take debit card payments! Around XX/XX/2020 Someone called me from the bank stating my account is {$260.00} over due with a past due amount, I stated no! {$50.00} is past due, the other payment is not due until XXXX. Plus what is the extra fee? He stated, past due amount. I requested that the past due be reversed. Told unable to reverse. He then stated oh yes I see you did not make a full payment so late fee is attached and then other amount is for XXXX ( still mid XXXX ). He refuse to reverse late fee ... first told I have to use my banking info or mail payment in ... *then stated you can make the payment using a debit card! I did finish making the additional payment amount but refuse to pay late fees***Poor Customer Service , employees making up answers and giving this customer a hard time using COVID as an excuse when I could have used my debit card to pay the additional payment, why wait to charge me late fees? Based upon my payment history I always make payment at the bank lobby on time. Told tellers can not see my payment history or amount due, I said that is not true! Capital Ones full service banks are far and in between. I live in one city , drive to XXXX or XXXX to make payments. I am opposed to using banking info over the phone/on line but will make cash or debit card payments! At the end of the day, I used my debit card to make over the phone after being they do not accept debit card payments. However, I have had issues with Capitol One in the past charged late fees after making on time lobby payments, if I make a cash payment it should be applied that day! If the bank failed to process payments is not my problem, I made the payment on time! They successfully reversed late fees but in this case I feel like I am being scammed due to COVID-19. Long lines, long phone holds, having to call back numerous to attempting to resolve payment issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-05 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: TX

Complaint narrative:
The credit bureaus are incorrectly reporting a Chapter XXXX Bankruptcy on my credit file. I have sent several request to have this account removed from my credit file and it keeps coming back as verified. I have never filed for bankruptcy so I am unsure where they have gotten this info from. I have checked with the supposed court house they got this info from and they have stated they do not provide information to 3rd parties regarding accounts. So they do not have documented proof to even report this fraudulent account on my file.

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 2020-09-05 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: EQUIFAX, INC.
State: IA

Complaint narrative:
I have an account with https : //my.equifax.com and when attempting login and unfreeze my credit file it prompts this message : " The email and password combination you entered is incorrect.Please try again. Your account will lock after 3 incorrect attempts. '' This combination is accurate as it is saved by my computer for reuse and it's the same problem I've had in the past with Equifax. I tried to use their automated phone service, but it too has many bugs. Finally I faxed them ( XXXX ) my drivers license, SSN, DOB, five years of addresses, and also mailed the same information to them. 

Since I am attempting to secure a mortgage there is a sense of urgency on my part to have Equifax respond. XXXX and XXXX have efficient freeze and unfreeze processes, but not this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Suburban Credit Corporation
State: TN

Complaint narrative:
I contacted suburban credit Corp on XX/XX/XXXX the same day I saw the debt appear on my XXXX XXXX app. They wouldnt verify what it was or any of my information. I never received any type of notification from this company at all stating I owe them anything. They never emailed, sent a letter or called me at all. I also sent XXXX a letter 30 days ago and havent received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I got an Email from Amex with an back to school offer I follow everything then I suppose to get XXXX $ cast back contact AMEX a few times they agree to honor the offer but They never did. Amounts XXXX {$35.00} {$5.00} $ XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The credit bureaus are incorrectly reporting a Chapter XXXX Bankruptcy on my credit file. I have sent several request to have this account removed from my credit file and it keeps coming back as verified. I have never filed for bankruptcy so I am unsure where they have gotten this info from. I have checked with the supposed court house they got this info from and they have stated they do not provide information to 3rd parties regarding accounts. So they do not have documented proof to even report this fraudulent account on my file.

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 2020-09-05 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: TX

Complaint narrative:
The credit bureaus are incorrectly reporting a Chapter XXXX Bankruptcy on my credit file. I have sent several request to have this account removed from my credit file and it keeps coming back as verified. I have never filed for bankruptcy so I am unsure where they have gotten this info from. I have checked with the supposed court house they got this info from and they have stated they do not provide information to 3rd parties regarding accounts. So they do not have documented proof to even report this fraudulent account on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 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: FL

Complaint narrative:
I attempted to contact the credit agency directly to dispute what was being reported on my credit report. The mail was returned.i contacted Experian showing that the mail was returned and that they had to remove the item from my credit report as it was reporting wrong information. Experian decided the information was valid and continued to report the information.

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 2020-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Portfolio Recovery Associates, LLC XXXX XXXX XXXX. 
XXXX, VA XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$1000.00}. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX I have sent them numerous letters asking for proof of debt and they have yet to provide me anything with my signature. I have never done any business with this company and they are reporting on my credit report a collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I was charged twice on my credit card as well as my mother for a rental car. My payment with my card was denied which position my mother to complete payment with her card. Later I receive a notice on my credit card for the same price my mother card was charged. Which implicated the payment was processed twice. For years Ive been trying to get issue resolved no one has been a help. Im not able to apply for student loans or personal loans which Im in need due to covid 19

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2020-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I got approve for Citi XXXX  credit card on XX/XX/XXXX after ten days never got the card, I move to florida XX/XX/XXXX contact Citi to request a replacement card mail to my new address they confirmed the new card was mail after contact a few times the answer was the card is in the mail, this card has an three month offer to get XXXX points, the time is running and the only thing I have is the photo of the card someone send me from my old address if I go to the store I have to put the number manually, Still waiting for the card.

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 2020-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have never lived at these properties XXXX XXXX XXXX XXXX. Pa.XXXX XXXX XXXX XXXX XXXX XXXX. Pa. XXXX XXXX XXXX XXXX XXXX. Pa. XXXX How do I get this removed from my 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 2020-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
I haven't lived in XXXX XXXX in 5 years and when I talked to them on phone the debt was for 2 years ago. Now there is more debt on account and they were very rude from the beginning. They have multiple accounts where dates don't match. I have lived in XXXX since XX/XX/2015. Last time I talked to them was a couple of weeks ago and been about a year the time before that

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Adjustment Bureau, Inc.
State: IA

Complaint narrative:
I sent a USPS certified mail/return receipt letter to Financial Adjustment Bureau XXXX XXXX XXXX, XXXX, IA XXXX, requesting a debt validation letter and to discuss the issue of the interest they were applying to this medical debt. 

Their response to this validation request is enclosed. I am not sure if their letter is sufficient enough to be construed as a debt validation letter. They included a convoluted statement from XXXX XXXX XXXX, but nothing that states XXXX XXXX XXXX acquired the services of XXXX XXXX XXXX to collect the debt. 

They stated " Under Iowa law, if interest is not specified in writing, it is allowed at a 5 % annual percentage rate at commences six months from date of charge. '' I went online under Iowa Interest rates laws and saw this, but it did not indicate this applies to medical debts. One website states " Whether a loan is to buy a car, a house, or just to pay the rent or other household expenses, '' but medical debts are not " loans. '' Also, in their letter they did not state what part of Iowa law they are referring to, such as chapter and sections, or any proof under Iowa law that this applies to collecting on old medical debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am in the process of refinancing my home. In Mid XX/XX/XXXX I started the process and my " free on line credit scores '' showed me between 640 and 670. When the two lenders ran my score it came back 599 to 604. I called XXXX and after many incorrect answers I was told that my " credit risk '' score is what lenders use and that my XXXX score, which they give to me on line is " a close approximation '' of the risk score. On XX/XX/XXXX XXXX reported a score of XXXX. I called them and they sent me my report dated XX/XX/XXXX which shows a score of XXXX. 

I have yet to find a way to get my " risk score '' online. I think the three bureaus thould provide all of my scores upon request..

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