vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-22 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: MacDowell & Associates, Ltd.
State: GA

Complaint narrative:
XXXX XXXX XXXX had a valid claim to a debt that I owed. However, they decided to initiate action during a federally declared state of emergency and disaster. Businesses were closed, communication and travel were extremely restricted. And, I, being self-employed, had no relief or any type of compensation. Whereas the rest of America seem to be getting triple unemployment benefits, I had to suffer. 
I communicated with XXXX XXXX about the debt and my intentions to pay and stay in good standings. I contacted them in XXXX at least once and XXXX on two occasions also called them in XXXX I believe it was on the XXXX to explain that I would have payment by XX/XX/XXXX. They explained that they were happy that I was able to make that payment and just to give them a call when I made it so that they could be on the lookout. They then arrived at my home and in the wee hours of the morning. Embarrassed me in front of my neighbors and calls me great stress in the fact that I had to stand in the cold and clean out the truck on the spot. 
I would have had it cleaned out had they told me that they were coming to get it. At this point they knew that trucks were bringing a premium price and that they could get as much as they wanted to for it and I believe this is the reason that they repossessed. However this is not truly the issue, though it does pertain to the issue as a whole. 
XXXX XXXX XXXX declared my account as a charge off and therefore XXXX was able to negotiate this item on the p & l tax documents. They were compensated. The dead then became what could be declared as income to me however XXXX decided to send it to a lawyer 's office and he has steadily increased the debt months by month over 3 years of holding the debt. From everything I've read and everything I understand this is not fair nor is this legal. 
If I'm wrong, please show me how I am wrong. 
I have screenshots of the emails The lawyer has sent to me and even offered to settle the account for {$1000.00} as he refused. 
I believe that this taking place during a federally declared state of emergency and disaster and the fact that XXXX sold the truck for a premium at auction should negate any debt that I owe or have owed. 
Please help resolve this situation and help me remove this from my consumer report as I believe this is not covered as a debt or a collection under the 15 USC FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Skrill USA, Inc.
State: CA

Complaint narrative:
My company was approved in XX/XX/2023 for a merchant credit card processing account with " PaySafe ''. Unfortunately, they use a LOT of different names for the same company, including " XXXX XXXX XXXX XXXX '', and " XXXX ''. Many times, I had no idea who was who, nor did I know that they were from XXXX. 

Our account was approved on XXXX XX/XX/2023, after a review of my companys BANK STATEMENTS that were sent on XXXX XX/XX/2023, for the following limits : {$5000.00} average sale, {$25000.00} maximum sale, {$50000.00} monthly average. By PaySafe 's own admission, they approved our account without properly reviewing the bank statements, or my personal credit. Naturally, PaySafe would like to paint us as a huge risk to them, when in fact they have become a huge risk to us. 

After just our fourth transaction, a customer attempted to pay his {$5000.00} invoice with a XXXX XXXX credit card. After receiving three " declines '' by his credit card issuer, the transaction was approved after a quick phone call to them by the customer. 

At no point in time was I told that this could be a reason, in whole or in part, to hold funds for up to 180 days. In addition, PaySafe said that the credit card information was manually entered. While this is true, I had no idea that it wasnt an accepted norm. At no point in time was I told that this could be a reason, in whole or in part, to hold funds for up to 180 days. 

Ultimately, PaySafe has held the money of three of our customers, for a total of {$18000.00} for up to 180 days. PaySafe also closed our merchant account, noting the reasons for closure to be actual processing observed is inconsistent with expected. The held amounts are XXXX XXXX, XX/XX/2023, {$3900.00}- XXXX XXXX XXXX, XX/XX/2023, {$5000.00}- XXXX, XX/XX/2023, {$9400.00}. We have advised our three affected customers to initiate disputes ( chargebacks ) against PaySafe to recover their funds. 

We will recommend that they each do as we will do, and make reports to their respective XXXX XXXX XXXX XXXX XXXXXXXX  ), State Attorney General Office, Federal Trade Commission ( FTC ), and other government agencies as may be appropriate. We may also initiate legal efforts to collect these substantial funds, in addition to any and all associated costs resulting from the actions of PaySafe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I just check my credit through Equifax 's website and I noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, Equifax and XXXX, I took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company 's. I always get emails from XXXX stating that my information was on the dark web. I was also affected by the Equifax breach. I have attached the identity theft report along with my social and drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: TN

Complaint narrative:
On XX/XX/2023, Portfolio Recovery Associates LLC sent hearsay statements on an alleged account that was not owed. PRA is failing to cooperate with me in providing the proper documentation I have asked for. As asked for with my original complaint here and with my complaint with the Tennessee Department Of Commerce and Insurance ( Collection Board ) They have failed to provide a contract with my signature consenting that I have allowed to conduct business with them, they have failed to provide an original purchase agreement with my signature on this alleged account, they have failed to provide a cardholder agreement signed on this alleged account, and failed to provide a sum certain showing how this alleged amount was arrived at. PRA has failed to show proper verification as " Verification '' is defined in XXXX XXXX XXXX ( XXXX XXXX ) as " Confirmation of correctness, truth or authenticity by affidavit, oath, or deposition ''. I demand this to be verified by an affidavit from a competent person. If PRA can not verify or provide the proper documentation on this alleged account I demand PRA to close this file within their office, cease collection activity, and do not report to ANY of the credit bureaus. I will not tolerate PRA unfair business practices and I will not engage in any business activity on an alleged account with PRA that I did not consent to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: NM

Complaint narrative:
I have been receiving phone calls daily from midland credit for the last 3 months asking for XXXX and giving out a birthday and address that are not mine. They're not identifying who there are. They keep on with is this XXXX?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I'm composing this complaint to BARCLAYS BANK DELAWARE. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A.

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 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ERC
State: LA

Complaint narrative:
This creditor is violating my rights under the Fair Credit Reporting Act - 15 U.S.C.1681 section 602 - states I have the right to privacy. Under 15 U.S.C. 1681 section 604a section .2 also states a consumer an not furnish an account without my written instructions and consent.

Enhanced Recovery is reporting I owe a debt of {$490.00} to them and this is false. I do not have an account with them nor have they provided me with a copy of the contract I have with their company with my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: AL

Complaint narrative:
In XXXX and XXXX, I filed a disputes with this consumer Credit reporting agency about the unverified collection account of XXXX XXXX Account # XXXX. In these months I have tried multiple attempts for validation of this unverified account with these credit reporting agencies. The Fair Credit Reporting Act states that they must verify this account or delete it from my credit report and they have not verified and continue to.Report on my consumer credit report. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this credit reporting company as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: FL

Complaint narrative:
This is an issue with only Equifax Legislation was passed last year XX/XX/XXXX regarding changes to medical debt collection. The specific change that I am referring to is the removal of all medical collection debt from an individuals credit bureau file if the debt is less than {$500.00} I notified Equifax several times and the latest was on XX/XX/XXXX and followed up on XX/XX/XXXX. Case number XXXX I requested and requests for them to remove the {$240.00} medical collection being reported by XXXX XXXX and XXXX. It is even showing the account opened on XX/XX/XXXX and update on XX/XX/XXXX. This should not even be an issues. This is supposed to be REMOVED per the legislation that was passed XX/XX/XXXX. I have gotten nowhere on the phone and spoke with three supervisors. I was told we will get around to it in the second half of the year UNACCEPTABLE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.

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 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CO

Complaint narrative:
I purchased a home as a rental property in XX/XX/XXXX. I set up automatic payments ( ACH ) with the lender upon purchase. 
The loan was transferred in XX/XX/XXXX to Select Portfolio Servicing ( SPS ) Company. During the transfer, the ACH payment was not collected. 
SPS did not notify me of this oversight until XX/XX/XXXX. I set up a payment plan in XX/XX/XXXX to correct the missed payment due to SPS 's error upon loan transfer. 
I have paid off the missing payment, yet SPS raised my interest rate to 20 % on XX/XX/XXXX because they state the payment is missing. 
They will not accept that I have corrected their error. 
The Ombudsman will not accept that I have corrected their error. 
I refuse to accept the 20 % interest rate and I have not paid that amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
This creditor is violating my rights under the Fair Credit Reporting Act - 15 U.S.C.1681 section 602 - states I have the right to privacy. Under 15 U.S.C. 1681 section 604a section .2 also states a consumer an not furnish an account without my written instructions and consent. 
XXXX XXXX XXXXis reporting I owe a debt of {$2400.00} to them and this is false. I do not have an account with them nor have they provided me with a copy of the contract I have with their company with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Adjusters, LLC
State: LA

Complaint narrative:
This creditor is violating my rights under the Fair Credit Reporting Act - 15 U.S.C.1681 section 602 - states I have the right to privacy. Under 15 U.S.C. 1681 section 604a section .2 also states a consumer an not furnish an account without my written instructions and consent. 
NATIONAL CREDIT ADJUST is reporting I owe a debt of {$430.00} to them and this is false. I do not have an account with them nor have they provided me with a copy of the contract I have with their company with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
i received a hard inquiry on my XXXX account from Bank of America. Bank of America, despite sending me an email on my account, could fine no information on an account for me. Since they had nothing, they could not issue the required letter to XXXX to remove the hard inquiry from my account. i am attaching the inquiry showing on my credit report and the email from Bank of America. I am amazed that a bank can send me an email but have no record of sending it or why the email was sent.

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 2023-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am a victim of fraud and/ or identity theft. I am writing to dispute the following item on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or pretending to be me. They may have also used stolen identification and/or documents to obtain goods or services. I never authorized, used, or benefited from these accounts or transactions in any way : I dispute the following accounts which are a result of identity theft or fraud. remains on my file with the last investigation. Based on the previous information, I am hereby demanding DELETION to the above referenced account from my XXXX file pursuant to 15 U.S.C. $ 1681i ( a ) ( 1 ) ( a ) and FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Information Resulting from Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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

Complaint narrative:
The company is Synchrony Bank/Venmo . For months the bank has not reported that I paid this account off. When contacted, they said they held on to the payment without posting it because they do that when there is more than one payment in a period. What is the reason for that? I told them what a hassle they have caused because on a {$300.00} credit limit, a {$290.00} outstanding balance ( false balance ) shows on XXXX that my one credit line is 95 % utilized, thus a negative! A huge negative for someone who needs assistance on her credit score. I asked the company to re-run it or report the accurate information. They did not. Another month has gone by. Now I have to wait 24 days for the inaccurate information to be taken off the XXXX report. I need this company to understand they ruin lives, they dont help lives. Inaccurate reporting hurts consumers and they are not compelled to report accurately.

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 2023-03-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Sulphur Bank Rancheria Enterprises
State: OH

Complaint narrative:
I have sent over 7 emails a registered letter to request the stop of a wage garnishment which by law I can stop any time. I have asked the company to mail me a copy of all documentation on the loan and each time they respond as if they are just ignoring my request. They claim through e mail the amount due is around XXXX. They are misleading me as a consumer as after taking a look into this company they actually charge a interest rate of over 700 %. I am disputing this as the law limits the amount of they can charge in fees by law even in the state of California. They claim to be doing business under tribe law but in the fine print it says that the tribe does not guarantee this. I need documentation sent to me in the mail for further review and they need to send me written communication that they got my registered letter. I have copies of all e mails and the register letter I sent and the receipt that it was sent and receive by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX WAS REMOVED FROM MY CREDIT REPORT BY THE COMPANY ON XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, AND AFTER I SUBMITTED A COPY OF THE POLICE REPORT FOR THIS ACCOUNT TO ALL 3 CREDIT BUREAUS. THEY ALLOWED THE COMPANY TO PUT THE INFORMATION BACK ON MY CREDIT REPORT. THEY FILED A LAWSUIT AND THE JUDGE DISMISSED THE CASE DUE TO THE POLICE 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