vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I sent a letter by certified mail receipt on XX/XX/21 to portfolio recovery regarding Not XXXX but XXXX accounts I never was notified of this account or knew about it for that matter by the way. But this is my main point I sent letter certified mail and return receipt ( I NEVER GOT A RETURN RECEIPT BACK EITHER ) image of numbers for tracking are attached. I track letters and discovered they arrived on XX/XX/21 and I receive letters dated XX/XX/21 you dont find that suspicious considering it take 30-45 days to conduct an accurate investigation? So they sent me letters indicating that account # XXXX belongs to me. They letter didnt validate the debt AT ALL on top of that I also inquired about another account # XXXX you may be saying XXXX, get to the point my point is a credit card statement doesnt validate this debt also the company didnt conduct full investigation and they also didnt address # XXXX XXXX therefore requesting removal of account btw I was never noticed about this account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: PA

Complaint narrative:
I was initially contacted by Portfolio Recovery over XXXX debts from XXXX XXXX in which I do not owe. These credit cards were part of a massive identity theft against myself. I contacted Portfolio Recovery about disputing the validity of these debts and they stopped collecting on one of the debts but the other 2 they sent me credit card statements showing addresses from California and Puerto Rico in which I have never lived or never had an address in those states. The accounts are in the amount of {$2800.00} and {$1100.00}. I sent them a cease and desist letter then and explained I never lived in those states. They are continuing to harass me via mail and they have posted the accounts to my credit report which is hurting my credit. I have hired XXXX XXXX XXXX who also sent them a cease and desist and they are violating their letters as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
CFPB, you are allowing this bank to operate with impunity. This is illegal what they are doing! They are the reason why that consumer credit profiles are in the tank. Again, Barclay 's Bank seriously reduces my credit limit on my other card with them. Literally they took my credit limit from {$8900.00} to {$4400.00}. Which was basically what I owed. How can they be allowed to do this? This ruins my debt-to-income ratio and causes my XXXX XXXX to go down. PLEASE DO SOMETHING! FINE THEM! PULL THEIR LICENSE! THEY ARE A HORRIBLE BANK!!!!!!!

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 2021-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: MI

Complaint narrative:
I requested in writing for Southwest Credit To Validate Debt which they failed to do by just send me a copy of a bill

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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 have a problem with American Express and their reward redemption procedures, and I'm sure many of their other cardholders do, too. 

Last month I had an Amex Bill of {$100.00}, with {$110.00} in Amex rewards. I figure I'd call them and have the {$100.00} deducted from my reward account, which would spare me from having to write a check and put a stamp on an envelope. I've done this several times with XXXX card with no problem or hassle. 

But Amex said I had to make a minimum payment of {$40.00}, and they would credit {$65.00} from my account. 

Why? I asked. 

That's what you agreed to when you took out the credit card ( I'm sure it's in the fine print ). 

XXXX lets me take the full balance out of my rewards account, I said. 

" We're not XXXX '', the service rep said, almost with a sneer. 

I concluded the conversation by saying, 'I 'm going to contact my XXXX ' which was met with another almost sneering, 'you 're not the first person to say this '. 

So that's what you should look into : requiring credit card companies to let customers with more than enough rewards in their account to use them to pay off outstanding bills. 

I can very easily write a check for XXXX dollars. But there may be people with pandemic-related financial difficulties who might be hurt by this AmEx policy, which is why you should work to change this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I had an unauthorized payment sent from my cash app account for XXXX XXXX on XX/XX/2021 {$880.00} I tried to handle with the cash support people but never did they answer me anything about how to handle this situation. I did not do this payment, I do not know this person and never would I have sent money too. 
I tried XXXX times to submit a request about it and still can not recover my money back. I had even requested a refund and didnt not it anything Reportes it on XX/XX/2021 and again on XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I was foolish and decided to open a checking account with Chase to use as a side account. I set 10 % of my direct deposit to go into the Chase checking account. Apparently for the month of XX/XX/2021, I didnt meat their direct deposit requirement to avoid the monthly maintenance fee, as I was charged {$12.00} on XX/XX/2021 So, on XX/XX/2021, I went into the branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX to withdraw the balance in the account and close it down, as my primary bank has never, ever charged me a fee in the 10+ years Ive been with them! Low and behold, XXXX was left in the account and the account was not closed. I havent used the account since ; however, Chase proceeded to charge a {$12.00} fee in XXXX and a {$12.00} fee in XXXX. So the account was overdrawn {$23.00}. I called Chase customer service today to try to get this taken care of. The first agent I could barely understand. Couple that with the fact I was upset with Chase, I asked for a supervisor. Instead of transferring me to a supervisor, the agent ( I think his name was XXXX XXXX muted his phone and waited XXXX minutes for me to finally hang up. I called back and finally got a supervisor named XXXX, who really wasnt helpful. She refunded XXXX of the fees, but then said I needed to talk to the collections department. I told her I was not wasting anymore of my time, and there was nothing to collect as XXXXm not paying their maintenance fee. At present, the account is STILL open with a negative balance of {$11.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc
State: LA

Complaint narrative:
My Mortage with the help ofXXXX XXXX XXXX  have fraudulent removed more than {$8000.00} from my escrow account the companies that got my money is XXXX XXXX XXXX XXXX {$4200.00} Flood Insurance Certificate NoXXXX XXXX XXXX XXXX {$1800.00} Home Owners Insurance Policy No. XXXX, XXXX XXXX {$1700.00}. 
Homers Owners Insurance. Policy XXXX all this was done by Mid American Mortage , Inc. XXXX XXXX XXXX XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was initially contacted by XXXX XXXX over XXXX debts from Capital One in which I do not owe. These credit cards were part of a massive identity theft against myself. I contacted XXXX XXXX about disputing the validity of these debts and they stopped collecting on XXXX of the debts but the other XXXX they sent me credit card statements showing addresses from California and XXXX XXXX in which I have never lived or never had an address in those states. The accounts are in the amount of {$2800.00} and {$1100.00}. I sent them a cease and desist letter then and explained I never lived in those states. They are continuing to harass me via mail and they have posted the accounts to my credit report which is hurting my credit. I have hired XXXX XXXX XXXX who also sent them a cease and desist and they are violating their letters as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have tried multiple time to send in disputes and call to dispute these accounts with no response. Please investigate and remove these inaccurate accounts 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 non-monetary relief
Consumer complaint received 2021-11-23 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXXP XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent letters to all XXXX credit bureaus on XX/XX/21 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over XXXX days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I have also sent an FTC report for collection accounts that are not mine. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I disputed some accounts with Experian about student loans. They are reporting that there are late payments on my students loans this year in XXXX, XXXX, and XXXX. However, my student loans are in deferment under the federal cares act. I have written to their company several times, including a certified letter but this issue was still unresolved.

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 2021-11-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
I have been a satisfied customer with Credit Acceptance at XXXX XXXX XXXX XXXX, MI. Ive always considered it a priority to make all my payments on time. Unfortunately, I fell short of my own standards earlier this year due to XXXX. I lost my job & burnt through my savings on bills. Then recently Hurricane Ida destroyed my home & that was another loss, since I been trying to get approved for a mortgage but being denied due to my credit score. I was over a month late with a payment ( XXXX ) resulting in a late payment on my credit reports & negatively affecting my scores.

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 2021-11-23 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EMCC Holdings, LLC
State: MO

Complaint narrative:
I noticed this account on my credit report and I did not recognized the debt. Under account type the debt is listed as mortgage however I have never purchased a property. I've sent XXXX certified debt validation letters to the company one mailed XX/XX/2021 and the other mailed XX/XX/2021. I have gotten XXXX response from the company, but according to the credit bureau they have " verified '' this account. How is this account verified when the company has failed to validate the debt with me. The amount listed on the credit report is for a total of {$3400.00} also listing a past due amount of {$740.00}. I have no idea what this debt is, who's this debt is as I have never had anything remotely close to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2021 I had got hacked through my checking account and was hacked for {$4500.00} and {$5000.00} XXXX submitted a fraud to Wells Fargo which they denied me to pay me back then I did the escalated claim and they still denied pay me back even though it was not my fault this is ridiculous and should not be stand for. Wells Fargo has the little to help they seem they dont care at all.

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 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CASHCALL, INC.
State: CA

Complaint narrative:
CashCall account is closed and over 10 years old needs to be removed from credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX account is closed and over 10 years old needs to be removed from credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX account is closed and over 10 years old needs to be removed from credit reports.

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 2021-11-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Carvana Group, LLC
State: NV

Complaint narrative:
I have been waiting for well over two months for my license plate and registration to arrive in the mail. I have spent hours on the phone with Carvana and contacted them through several social media sites to try and get information on where my paperwork is and not a single employee has been able to give me information or a time frame. I was told that their 3rd party vendor had sent my paperwork to the DMV XX/XX/XXXX and yet I have called the DMV several times and they have never received any paperwork from them. Last call to the DMV was XX/XX/XXXX. I was also told by the DMV that they are not allowed to give out temporary license plates from a different state and both temporary license plates I've received have been from XXXX XXXX XXXX. When I fi rst bought my car I was told I would receive my plates in 30 to 45 days. It has now been well over 65 days and there is no estimate on when I will receive them. People have been waiting for over 6 months and it is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XXXX XXXX I sent a letter to XXXX out asking that items be removed from my credit file these items where all of the same accounts along with them being inaccurate items on my credit profile I never received a updated about my credit report or about them doing a investigation due to these derogatory items these has caused me to be denied for credit along with my credit score being lowered, I ask that these items be removed this is so wrong that they refused to remove these items from my credit profile, Transunion LLC On XX/XX/XXXX XXXX this account from XXXX XXXX was removed because this is a item that is not mine. without this company notifying me within 5 days this account this item would be reinserted and reported as a open account on my credit profile and tis account is in a collections status but reporting open and was placed back on my account on XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: CA

Complaint narrative:
Medicredit debt of {$170.00} was a medical co pay that was paid at the time when I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: GA

Complaint narrative:
I filed a dispute in regards to incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have tried multiple time to send in disputes and call to dispute these accounts with no response. Please investigate and remove these inaccurate accounts from my credit report

Company response to consumer: Closed with explanation