vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc.
State: WA

Complaint narrative:
I was forwarded to CFPB by the FCC regarding a scam text message. I do not have unknown outstanding debts and have never heard of State Collection Service Scam text message below : Notice from State Collection Service, a debt collector. Document password is 5 digit zip XXXX Contact XXXX Reply Stop to end

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
I XXXX XXXX On XXXX XXXX Sent a Request in according to USC 15 1692 gto Enhanced Recovery Col As of today XX/XX/XXXX, Enhanced Recovery Col has not complied to the debt validation request. Enhanced Recovery has not ceased in their action of collection of a debt not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, I placed an order at XXXX for XXXX XXXX XXXX. The product was supposed to be delivered on XX/XX/XXXX. This included a hard hit on my credit report for the installment plan. I began contacting XXXX, XXXX, and Citizens One for information on my order. I was repeatedly brushed off and was told I would be notified when my order shipped. XXXX told me I had to speak to XXXX. Citizens One told me they had no information on the status of my shipment and XXXX never responded besides canned answers. On XX/XX/XXXX I received a text from Citizens One that my order was cancelled as they were out of stock. They said I have 150 days for me to personally find more stock or they would close out my account. They had no issues pulling a hard hit on my credit but seemingly now no longer have stock.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: MD

Complaint narrative:
I wanted to send money to a friend in XXXX TN. 
I use Western Union on a weekly basis to send money to XXXX but this was my first time trying to send within the US using online banking. 
The site asked me for my bank user id and password. 
My bank manager said it must be a fraudulent website. 
It looks very real -- just like what I am used to seeing and with the same URL.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I asked them to provide anything to me showing that I applied or signed anything with this company. They keep coming back to me stating that the account is correct. Please show me your proof!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ZENCO COLLECTION, LLC
State: TX

Complaint narrative:
I have gotten 5 calls from this company, I do not owe a debt to them or anyone else. If theyre claiming I do, I want the paperwork as well as their license to collect in the state of Texas and who they bought my information from.

Company response to consumer: Untimely response
Consumer complaint received 2021-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
" Portfolio Recovery '' has reported false and unverifiable debt to all three Credit Bureaus on XX/XX/21. Portfolio Recovery has failed to contact me about the " supposed '' debt, has reported a false account opening date, a false amount owed, placed false late payments, and falsely reported an account as " new '' that does not belong to me. 

These actions are illegal and a lawsuit will be followed up in 15 days if not removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-02 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: MT

Complaint narrative:
THERE ARE SEVERAL INQUIRIES ON MY CREDIT THAT I DID NOT SUBMIT NOR AUTHORIZE ANYONE TO SUBMIT ON MY BEHALF. I HAVE TRIED REACHING OUT TO THE COMPANIES BUT THEY ALL WERE GIVING PUSHBACK STATING I NEED TO DISPUTE WITH THE CREDIT BUREAUS. THE BUREAUS HAS YET TO RESPOND TO ANY OF MY DISPUTES AND IT HAS BEEN MORE THAN 30 DAYS. I HAVE ATTACHED A COPY OF AN ID THEFT AFFIDAVIT PACKET I FILED. PLEASE DELETE ALL NEGATIVE INQUIRIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I asked them to provide anything to me showing that I applied or signed anything with this company. They keep coming back to me stating that the account is correct. Please show me your proof!

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 2021-07-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I asked them to provide anything to me showing that I applied or signed anything with this company. They keep coming back to me stating that the account is correct. Please show me your proof!

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 2021-07-02 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 filed a dispute for accounts that does not belong to me XX/XX/2012 for accounts from XXXX XXXX and XXXX XXXX XXXX which does not belong to me they have not responded and its been over 31 days.

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 2021-07-02 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: GA

Complaint narrative:
I filed a dispute for accounts that does not belong to me XX/XX/2012 for accounts from XXXX XXXX and XXXX XXXX XXXX which does not belong to me they have not responded and its been over 31 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc.
State: CO

Complaint narrative:
I called to settle a {$70.00} debt. I was spoken to in a rushed, abusive, bullying tone by the rep XXXX. She talked over me and would not respond to my request for her to change her tone or lower her voice level. She threatened to write on my credit report that I " refused to pay '' if I did not give her my credit card number immediately. She used condescending discriminatory tactics I made the full payment. She did not thank me.She has not sent me a receipt for my payment. I have no way to prove it was paid! I can not get an apartment unless I can show payment was removed from credit. They have ridiculous power over someone's credit and this should not be allowed. 

XXXX XXXX = Rude, unprofessional, and cursing low-life representative. Unacceptable. Hundreds of XXXX Reviews say the exact same thing. I even tried to call back to COMPLAIN, and the man who answered in that dept. was exactly the same! He would not even take a complaint, but insisted I give him my Social Security number! They need to SHUT DOWN this horrible place!

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 2021-07-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
these accounts dont belong to me. please remove accounts : 1. Identity Theft CAPITAL ONE Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE Account XXXX : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My card was stolen and used to spend over XXXX at a place called the XXXX  and Bank of America are refusing to refund me

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 2021-07-02 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: NC

Complaint narrative:
I recently sent a dispute letter to XXXX, Equifax, and XXXX on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Our account was enrolled in auto pay. PNC stopped taking the payments. We never received any emails or letters form them informing us of any issues. The only attempt at communication was AFTER the loan was already late. Last payment taken was for XXXX of XXXX and no attempts to reach us were made until XX/XX/XXXX from their collections department. They also never provide confirmation emails or otherwise when a payment is successful. The payments should not have stopped being withdrawn since auto pay was enrolled for the duration of the loan term. They initially tried telling us we were never enrolled in auto pay and all our payments had been single pay made every month. This is easily disproved since the last time we logged in was XX/XX/XXXX of XXXX. Meanwhile all payments had been withdrawn with no problem. They then tried to shift blame on us by saying the auto pay had expired and we forgot. Yet when we go online to enroll auto pay it says we can't because auto pay is already set up, another lie. We didn't hear from a manager after trying to escalate. This has cause my partner and I 's credit to drop 86 and 120 points. Absolutely disgusting! We want these derogatory marks removed from our credit since they were the ones who without warning or cause stopped collecting payments. Then refused to provide any kind of notice or communication to allow us to remediate the situation. Any other financial institution sends our immediate communication when auto pay fails. Not PNC evidently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I took out out a loan to finance a XXXX XXXX XXXX through Santander Consumer in XXXX. We made timely payments up until the time in mid XXXX when me and my former partner lost our jobs due to unemployment. Santander did give us a few months of deferment due to Covid. In XXXX of XXXX, the car was totaled. The insurance company paid Santander the value of the car at the time, but there was a remaining balance of approximately {$7000.00}. I called as asked if there was any type of program to modify the loan amount as we were injured and unable to work. It was also still in the midst of Covid. I was told that due to the fact that the car was totaled, there was nothing that Santander would due for us. The outstanding amount remained and they would not put me on any time of lowered payment plan. My ex partner continued to make payments but could not pay the {$430.00} in full so the loan became past due, all while Covid is raging. 
Now over the past 4 months, the loan is being reported to the credit agencies as having late payments and has hurt my credit score by over 100 points. Again, today, I reached out to Santander and asked why they are reporting me to credit agencies and they denied it. Again, I asked for some type of assistance and was told there was nothing they were able to do. After looking over your web site, I see that creditors are obligated to try and work with consumers to pay their debt. Also, because of Covid, I have learned that late payments should not be reported to credit reporting agencies. Santander has ruined my credit, despite my attempts to try to pay what I owe. I never refused to pay the amount owed, I simply asked for some help to allow me to be able to make an affordable amount. 
I feel as I am being punished because of an accident. That is not fair and I feel they should work with me. They already have a settlement to its auto loan customers that they treated unlawfully with loans issued in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
These inquiries do not belong to me & I did not request anything from these companies.

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 2021-07-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, or a date close to that, we checked our online account with Capital One. We each have a credit card with Capital One bank but they are part of a joint account. We noticed a charge emanating from XXXX claiming to be from " XXXX XXXX ''. Since neither of us made this charge, we checked with XXXX and they had no record of this transaction. We then called Capital One to advise them of the fraudulent charge and to initiate a dispute. Their agent took down all the data which included the amount ( {$12.00} ), description ( XXXX XXXX XXXX ), and the date XX/XX/XXXX. XXXX. However, this incompetent agent did not dispute this charge. Instead, he disputed a different XXXX charge in the amount of {$3.00} which posted on XX/XX/XXXX with the description of USPostalUser. This charge was an authorized charge and was NOT DISPUTED. The agent disputed the WRONG charge. He failed to use even one piece of information given to him to identify the charge which was fraudulent. We subsequently contacted Capital One on two other occasions to try to rectify the situation. We have also sent a USPS letter to the CEO of Capital One ; we have to date not had a response. In the meantime XXXX put a hold on our account because they have not been paid. Today we spent over 70 minutes with various Capital One agents from the XXXX struggling to understand what they said. Their explanation is that we have to contact XXXX ourselves to rectify THEIR ERROR. They listened to the recording of the initial call and they agree that the error was made by their agent. However, this in no way means that they agree to solve the problem which they created. An institution which can not rectify financial errors which they make, no matter how small, should not be allowed to continue operations without penalties. Two of their representatives say this amount ( {$3.00} ) is " below threshhold '' or some such nonsense. They say they have no way to restore the payment to XXXX. In short, THEY REFUSE TO CORRECT THEIR ERROR and the other complications this has created for us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-02 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: NJ

Complaint narrative:
These inquires were not done by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Reported an account listed on my credit to Equifax. There is no name for the company. Also, the account number is XXXX. This account does not belong to me. I have contacted Equifax TWICE regarding this account. My requests have been ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently sent a dispute letter to TransUnion, XXXX, and XXXX  on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

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 2021-07-02 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently sent a dispute letter to XXXX, XXXX, and Experian on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

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 2021-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
It was on XX/XX/2021 when I was at the hair salon. I didnt know what happened but I know I had a transaction coming into my account on that day so I checked my account and realized that XXXX $ of unauthorized use is being sent out to someone call XXXX or XXXX XXXX. I did not know about this so I called my bank and told them while it was on the same day and pending. I realized that this was a transaction that my brother did to purchase a dog from somewhere call XXXX XXXX through email exchanges pretending to me since hes underage and wants a dog. Hes not an authorized usage of my bank so it shouldnt be accepted regardless. However the bank said they cant do anything about this fraud/scam cause we never received the dog that was promised. I also contacted the company after seeing the email exchanges and asked them to refund my money since it wasnt me that was talking to them and they ignored my emails. This is a not right and my bank refuses to refund my money unless I make a police report for it. I received my banks decision today on XX/XX/2021 and called the representative and this is what they told me. They said I would need a case # from the police for them to consider this as a fraud/scam. Thank you.

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 2021-07-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
I ordered an XXXX XXXX XXXX XXXX XXXX  through XXXX, which took me to XXXX to complete the transaction. After a a credit approval from Citizens One, I got confirmation of the order and access to credit account. 

But by the promised XX/XX/XXXX, I hadn't received any information about shipping or anything else. XXXX XXXX ( the company offering the XXXX XXXX stopped responding to any questions via email on XX/XX/XXXX, and the numbers listed for support were for Citizens One, not XXXX XXXX. 

Finally on XX/XX/XXXX, I was notified via text from Citizens One that the product was not in stock, and my order could not be placed. Citizens One opened a line of credit for a product that was not available.

Company response to consumer: Closed with explanation