vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THIS IS A COMPLAINT AGAINST EXPERIAN, TODAY XX/XX/2020, I RECEIVED THE RESULTS OF MY COMPLAINT MADE ON XX/XX/2020 THROUGH THE CFPB PORTAL, AND I HAVE REALIZED THAT THIS COMPLAINT WAS NOT WELL READ BY EXPERIAN, BECAUSE IN THAT COMPLAINT, IT SAYS THAT I AM REQUESTING THAT ACCOUNT BE VERIFIED, THAT ALL THE INFORMATION IN THIS ACCOUNT IS SUPPLIED TO ME : XXXX / XXXX  # XXXX, THEY HAVE ONLY READ THE LETTER I SENT, WHERE THE DISCOVERY ACCOUNT WAS, BUT THOSE FROM XXXX / XXXX CONTINUES IN MY CREDIT WITH YOU. AND THIS IS THE ACCOUNT THAT I REQUEST THE TRUTH, ACCORDING TO THE LAWS OF JUST CREDIT, BUT WHERE DO THE RESULTS OF THIS PARTICULAR COMPLAINT COME IN? BECAUSE THIS ACCOUNT IS STILL REPORTED ON MY CREDIT, I GO TO THE CONSUMER FINANCIAL PROTECTION BURO, SO YOU CAN GIVE ME A COPY OF THE EVIDENCE THAT THEY SAY THEY HAVE TO DENY MY DISPUTE? I REQUEST THAT YOU SEND ME ANY DOCUMENT THAT ACCREDITES THAT BELONGS TO ME. I AM IN ALL MY RIGHTS TO REQUEST THIS EVIDENCE ACCORDING TO Practices Act, Section 1692g. 
1 ) THE ORIGINAL APPLICATION OR CONTRACT 2 ) ANY AND ALL STATEMENT ALLEGEDLY RELATED TO THIS DEBET. 

3 ) ANY AND ALL CANCELED CHECKS IN THIS COMPLAINT I AM SENDING A COPY OF THE LETTER THAT I HAVE SENT 60 DYAS AGO AND I HAVE NOT RECEIVED A REPLY, YOU AN EXPERT ABOUT MY REQUEST FOR VERIFICATION OF THIS ACCOUNT AND WHERE I REQUEST THE PROOFS THAT THEY SAY THEY HAVE. PLEASE READ MY COMPLAINT WELL I REQUEST THE PROOFS YOU HAVE, ANY COPY OF ANY DOCUMENT UNDER THIS ACCOUNT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I would like the collection calls to stop. Ive been making payments towards the balance. 

I lost my job and became homeless. Thats why I fell behind on my payments. As soon as I got a job, I began to take care of the balance owed. However, Ive been furloughed due to COVID so I am unable to continue making anymore payments. I would like to settle for {$1500.00}. I have saved this amount and would like to pay it to take care of the account for less than the balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
On XX/XX/2020 a debit for XXXX was posted and debited to my acc from XXXX XXXX. I had an agreement with my apartment complex to pay my rent on XX/XX/2020 and was unable to do so because my payment rejected. There was a pending transaction from XXXX XXXX that caused me not to have enough money. I called XXXX XXXX and customer service advised me it wasn't them even though the debit stated XXXX XXXX  on it and I was transferred to a collection agency called XXXX XXXX XXXX XXXX XXXX XXXX After I was verified I advised the representative that was my stimulus money that was for my already late rent. She advised that they could do this because it's in my agreement. I advised her why now after two years. Every time they attempted within the first six months of non payment I was sent an automatic email of the decline of payment. I received the letters that it was being charged off and going to collections. I've had my tax return earlier this year which was more than my stimulus and they never debited. I'm unemployed due to XXXX   XXXX and recuperation so that money or any money I get helps. Which brings me to believe that XXXX XXXX and AD Extra Recovery unlawfully used my social security number, debit card and checking account in and tracked my stimulus check through the IRS.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Im trying to connect my XXXX acct to Pnc acct

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Society Business Services, Inc.
State: AZ

Complaint narrative:
A company by the name of MED SOC/BUR OF MED ECON opened a collection and reported an amount of {$1200.00} claiming I owe such amount from XX/XX/2020 the information reported is false and I suspect this information to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-26 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least, they have not to be authenticated as per my requirements as you are damaging my character, creditworthiness, and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

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 2020-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I am not able to connect my PNC BANK account with the XXXX XXXX account due to PNC PREVENTING the connection

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least, they have not to be authenticated as per my requirements as you are damaging my character, creditworthiness, and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

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 2020-04-26 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least, they have not to be authenticated as per my requirements as you are damaging my character, creditworthiness, and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

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 2020-04-26 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: MECHANICS BANK
State: CA

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least, they have not to be authenticated as per my requirements as you are damaging my character, creditworthiness, and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
As of today my credit score from experian says XXXXMy score went down without me knowing.My credit score from XXXX  and XXXX  are above 750

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 2020-04-26 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: SD

Complaint narrative:
XX/XX/2015, I reported to XXXX XXXX XXXX  that there were charges on my statement that I had not made. Prior to these fraudulent charges I had XXXX balance and wanted to close the account, which is how I discovered the fraud. 

XX/XX/2015, I received a letter from XXXX XXXX XXXX  Fraud Investigations, that stated " XXXX  XXXX has determined that you are not responsible for the charge ( s ) using your XXXX  XXXX credit card. '' I considered the matter closed, and that is where I went wrong. 

I have since disputed this with the Midland Funding, the collection agency that bought the now {$400.00} debt ( the original credit limit was only {$300.00} so how is that even possible? ) However, they are relentless, going so far as to ask me to borrow the money from my mom or my dad, who are dead! This despite the fact I tried to tell them the debt was not mine. All they care about is getting their money, not what is right. 

I have also disputed it through the credit reporting agencies. XXXX XXXX removed the negative mark, however, XXXX  has not. 

I have the original letter sent to from XXXX XXXX XXXX  as well as statements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP
State: OH

Complaint narrative:
Hello, I have had an issue with receiving my unemployment benefits. I have attempted to connect with both my Ohio state office and the ReliaCard customer service since the start of XXXX. It was brought to my attention that payment benefits were being distributed to my ReliaCard debit account, however, I never received the card to access the benefits. I have attempted to contact both the ReliaCard support line and state office to receive a card to access my benefits, but in order to do that I needed to have a card number. As you can see that is impossible because I never received a card and unfortunately I have been unable to connect with a representative from both parties to share this issue. I have attempted to make contact to report this issue and obtain and new card by calling both parties a countless number of times, daily. The line does not connect after being on hold for several hours and it hangs up on me. 

I need to receive this benefit, as I have been laid off like so many due to COVID-19 and I need this resource to sustain my livelihood. Please help me resolve this soon. 

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 2020-04-26 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the collection of consumers ' credit information and access to their credit reports. It was passed in 1970 to address the fairness, accuracy, and privacy of the personal information contained in the files of the credit reporting agencies. 

sent ftc violation 3 months ago XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
( 103 true Identity theft ) I am a victim of identity theft since XXXX i have try over and over to get these two information listed blow deleted due to fraud, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft also i am a victim of the XXXX XXXX data breach several accounts on my credit report are not mine listed :, also filed a FTC report and a Police report to support my claim heres my FTC Report XXXX and Police Report number XXXX IVE CALLED XXXX  AND Experian over and over for the last past year going back in fourth i even called XXXX and XXXX which they both was unable to locate or verify any account using the same date of birth as me, my XXXX  Confirmation # XXXX and My Experian Report Number XXXX ... ... .. 
Account name : XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX {$300.00} Account name : XXXX XXXX Account Number XXXX {$2700.00} XXXX XX/XX/XXXX ... XXXX 
these fraudulent debt is hindering my ability to apply for credit or even get a first time credit card for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a Job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports IVE ALSO UPLOADED A COPY OF MY POLICE REPORT FILED WITH THE XXXX COUNTY SHERIFF 'S OFFICE AND MY FTC REPORT THANK YOU SO MUCH FOR THE HELP!!!

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 2020-04-26 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 — Problem with personal statement of dispute
Company: RoundPoint Mortgage Servicing LLC
State: GA

Complaint narrative:
My name is XXXX XXXX, my address is XXXX XXXX XXXX XXXX XXXX, Ga XXXX. 
My mortgage was transfered to Roundpoint Mortgage in XXXX of 2019. My XXXX payment that I paid to Roundpoint Mortgage was sent to my previous lender. Roundpoint mortgage then issued me late payments. This caused a trickle effect where as I have unwarranted late payments reflected on my credit report. I then changed banks and set up Autodraft payments. I have enclosed my payments for XX/XX/XXXX in the amount of XXXX. XX/XX/XXXX payment of XXXX. XXXX Payment of XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the collection of consumers ' credit information and access to their credit reports. It was passed in 1970 to address the fairness, accuracy, and privacy of the personal information contained in the files of the credit reporting agencies. 

sent ftc violation 3 months ago XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the collection of consumers ' credit information and access to their credit reports. It was passed in 1970 to address the fairness, accuracy, and privacy of the personal information contained in the files of the credit reporting agencies. 

sent ftc violation 3 months ago XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: NY

Complaint narrative:
PNC will not let me connect to third-party banking/savings app XXXX. This has not been an issue in the past but now PNC is saying I do not have a valid mobile number when my current number has been enrolled in PNC banking since 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: KY

Complaint narrative:
Ive tried getting documentation of debt! Nothing!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 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: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Recently, I tried to open a checking and saving account at XXXX XXXX XXXX after refinancing my car loan with them. 

And my account representative, XXXX XXXX was able to open a saving account for me. But, she could not open a checking account for me, because another bank reported me to the XXXX XXXX credit union. 

The Problem is with a previous account that i had with People 's United Bank.

The Bank reported that i did account abuse. 

I think that it is inaccurate. As far as i remember, I had some overdraft charges on their checking account that i opened. And i disputed some of the charges with them. 

There were too many overdraft charges, and i asked the bank to close my account. 

When i was closing the account, there was an overdraft charge on my account that was supposed to be waived by the bank. Because i spoke with customer service and resolved the problem. 

I can not remember the full account number. The account ends with XXXX with routing number XXXX I try to avoid overdraft charges. 

And i have two other checking accounts with XXXX XXXX  and XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I am getting phone calls every hour that started 2 days ago!!! The number that they are using is : XXXX. Today - XX/XX/2020 - they started at XXXX XXXX and have continued continually each hour. I try to answer and I'm put on a hold and then a recording comes on. I have hung up and I truly feel now that this is totally harassment on their part. 

A call each hour - that is against the LAW. It is from J/CPenney Credit Card. 

Please, please - I can't put up with this any longer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: OH

Complaint narrative:
Looking over my credit report and noticed there were some accounts the do not belong to me and I need them deleted immediately. These accounts are holding up my process in buying a new home and need the accounts removed. Accounts are listed below : XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, ENHANCED RECOVERY COMPAN # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXXXXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Social Finance, Inc.
State: NV

Complaint narrative:
I have contacted Sofi asking them to send me information before they release my money to dispute the debt with the State of New Jersey and they never sent anything. New Jersey does not have jurisdiction over my income or money and they can't provide me any written documentation on how they have jurisdiction over my money in Nevada. 

My ex wife and kids live in Georgia. No one lives in New Jersey and I have documentation from page 10 of their handbook that states at least one person needs to live in that state and no one resides there.

Company response to consumer: Closed with explanation