vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midstate Collection Solutions, Inc.
State: IL

Complaint narrative:
When I initially noticed a collection on my credit report, I reached out to the creditors Midstate collection so. at XXXX XXXX XXXXXXXX XXXX XXXX XXXX in XXXX IL to validate this debt, I sent a debt validation request by certified mail XX/XX/XXXX and did not receive anything in return. I asked that this creditor notified the credit bureus of their error given there failure to validate this debt but they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 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: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
REPORTING COMPANIES ARE CURRENTLY REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORTS SUCH AS XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
COMPANY NAMES WHO IS REPORTING TO THE ABOVE IS ; JPMCB, AND XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 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: FISERV FINXACT CORE
State: TX

Complaint narrative:
Telecheck is reporting wrong and inaccurate information about me to companies such as XXXX causing me to be denied services that I should otherwise be able to use. I have been a victim of massive identity theft and have spent years trying to resolve it unsuccessfully and I've requested reports from them who have made it near impossible to dispute erroneous and falsified information that has caused me harm.

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 2022-01-02 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: TX

Complaint narrative:
This is a formal complaint against EQUIFAX, XXXX XXXX XXXX. These bureaus have repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, EQUIFAX, XXXX XXXX XXXX have completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. These bureaus ' unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 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: TX

Complaint narrative:
This is a formal complaint against XXXX, XXXX XXXX TRANSUNION. These bureaus have repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the XXXX & XXXX. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX, XXXX XXXX TRANSUNION have completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. These bureaus ' unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2022-01-02 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: TX

Complaint narrative:
This is a formal complaint against XXXX, EXPERIAN XXXX XXXX. These bureaus have repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX, EXPERIAN XXXX XXXX have completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. These bureaus ' unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a ProfessionaXXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2022-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KLS Financial Services, Inc
State: TX

Complaint narrative:
KLS FINANCIAL SERVICES was advised to investigate a few things that I believe are inaccurate and their response came back as " verified ''. All they sent was portions of what I requested. I asked for a a copy of the contract that I signed ( which is my right to do so ), a full account history of this debt, every payment that was made and all interest that was applied. Those were MY specific request. It appears obvious to me that they are abusing their power under the FCRA to escape a complete investigation. I have been requesting, since since XX/XX/2021, verification of this alleged debt that they claim I owe to this company company and which they are reporting on my credit files. However, this company has failed to obtain and send me legal verification as mandated by the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO RC was advised to investigate a few things that I believe are inaccurate and their response came back as " verified ''. All they sent was a computer generated response regarding my Re-Investigation. I asked for a a copy of the contract that I signed ( which is my right to do so ), a full account history of this debt, every payment that was made and all interest that was applied. Those were MY specific request. It appears obvious to me that they are abusing their power under the FCRA to escape a complete investigation. I have been requesting, since since XX/XX/2021, verification of this alleged debt that they claim I owe to this company company and which they are reporting on my credit files. However, this company has failed to obtain and send me legal verification as mandated by the law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
On XX/XX/2021 I received a text first from XXXX I guess PNC saying that XXXX try to get a transaction for my account for {$140.00} and some change accept what this you yes or no I said no and I got a call from the bank it was PNC 's phone number the one XXXX someone they said from the security department I didn't have {$140.00} and some change in my account so they said the XXXX as trying to get a purchase somebody basically compromise your account then I have had this happen to me before I've never had it this bad postal PNC always keep pushing a merge with a new you used to go online banking to make a long story short PNC has made like I have been had something to do with the wire transfer I don't transfer money at the end of the day they can look on my put my social security number and and whatever they did satisfied them and see that I have no access to wire transfer I only have account with PNC Bank I don't know anything of this PNC is so quick to be the one to keep your money so that makes me think someone at the bank is stealing people 's money at the end of the day pnc was notified about this issue as well I have to see what was going on with that I would like a bee Pennies on my money returned to me because of the theft whoever that person was that called me I've had people call me like this before they knew everything about me they even called from the numbers that PNC usually calls for from and they trying to say all the scammers know how to set it up looking like it's their phone number well never lap if that's what you want to say at the end of the day PNC needs to do a full investigation and if the Consumer Financial can help as well a full investigation needs to be done with that bank in the employees and where this money is going at a pass cuz it's into it why isn't there a fraud fraud department I supposed to have a I have a fraud alert on my credit report also why is it that fraud are fraud department looking at things going on with people 's account if people have accounts that they always do the same thing I've been with them about maybe like 10 years maybe at the end of the day it's no way that this should should have never happen especially if you've been with banks for years I've been with that bank over 10 years this is not something that you have let happen to a customer the fraud department is even worse than the people in the branch also they told me that if I get my money back they act like they don't know where that wire transfer of monies went to PNC up severed by trust for them because I put my money in there in good faith and basically they have shown me that they could care less and did they do they act like they don't know where that money went to and who it went to I have several accounts that this incident has caused me heartache just about every account I have has with PNC has been tampered with

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Pro Collect was advised to investigate a few things that I believe are inaccurate and their response came back as " verified ''. All they sent was a computer generated response regarding my Re-Investigation. I asked for a a copy of the contract that I signed ( which is my right to do so ), a full account history of this debt, every payment that was made and all interest that was applied. Those were MY specific request. It appears obvious to me that they are abusing their power under the FCRA to escape a complete investigation. I have been requesting, since since XX/XX/2021, verification of this alleged debt that they claim I owe to this company company and which they are reporting on my credit files. However, this company has failed to obtain and send me legal verification as mandated by the law.

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 2022-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
RESURGENT CAPITAL SERVICES was advised to investigate a few things that I believe are inaccurate and their response came back as " verified ''. All they sent was a computer generated response regarding my Re-Investigation. I asked for a a copy of the contract that I signed ( which is my right to do so ), a full account history of this debt, every payment that was made and all interest that was applied. Those were MY specific request. It appears obvious to me that they are abusing their power under the FCRA to escape a complete investigation. I have been requesting, since since XX/XX/2021 verification of this alleged debt that they claim I owe to this company company and which they are reporting on my credit files. However, this company has failed to obtain and send me legal verification as mandated by the law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I initiated a XXXX payment which I found out was a scam. I called Wells Fargo to cancel. The transaction was still pending on XX/XX/21. The bank told me they opened a case. I have not received my {$510.00} back.

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 2022-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Concentric Receivables Management, Ltd.
State: TX

Complaint narrative:
CONCENTRIC RECEIVABLES M was advised to investigate a few things that I believe are inaccurate and their response came back as " verified ''. They never responded to any of my letters. I asked for a a copy of the contract that I signed ( which is my right to do so ), a full account history of this debt, every payment that was made and all interest that was applied. Those were MY specific request. It appears obvious to me that they are abusing their power under the FCRA to escape a complete investigation. I have been requesting, since since XX/XX/2021 verification of this alleged debt that they claim I owe to this company company and which they are reporting on my credit files. However, this company has failed to obtain and send me legal verification as mandated by the law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 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: TX

Complaint narrative:
I have a charged off account from XXXX XXXX XXXX for an old loan that was taken out. My husband opened the account in my name and the amount is not valid. I sent several rounds of letters to XXXX to validate and verify the debt which I received no communication from. I did this in both XXXX and XXXX. The latest were a debt validation letter on XX/XX/XXXX, another on XX/XX/XXXX, and a method of verification letter on XX/XX/XXXX which I never received responses. This is not legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
With my BestBuy Citi Credit Card ending ****, I have made a purchase at a BestBuy store on XX/XX/2021 for {$800.00} to be paid in 24 monthly installments with no interest or fees. My next statement in XXXX included the whole amount, but I didn't suspect anything wrong as it was the true amount I owed, and it showed in my promotional purchases section of my statement. However, the total amount was not spread over equal payments, and somehow, I paid not all but most of this purchase along with the remaining expenses on my account for the period. 

The total statement balance of {$970.00}, including the purchase in dispute, was paid on XX/XX/2021, because I had my instructions to make full statement balances on due date. On the other hand, I still owe {$160.00} on promotional balances, which should be only 1 ( one ) installment less than the total purchase, around $ XXXX I contacted various customer service representatives, and until the last one, they all argued the system withdrew all the money owed from expenses because I had Full Statement Balance pay instructions, and Citicards didnt have an option to separate and calculate installment payments from the rest of the balance, which sounded meaningless. Multiple CS representatives told me that I should calculate how much I wanted to pay on each month and put that into payments or change my monthly payment instructions to Minimum Payment, which would create interest charges on my expenses outside the Best Buy promotional purchase in dispute.

Getting into an installment pay plan and then having required to calculate your next payment each term is not making sense, and there is obviously a mistake here that customer service doesnt want to understand. Unfortunately, there is no available authority fully comprehensive at BestBuy or Citibank to reach out for the dispute, so I have no other option to report this promotional delusion on all levels of complaint departments.

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 2022-01-02 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: TX

Complaint narrative:
I wish to file a complaint to CFPB AGAIN as my rights have been violated under the FCRA Law and fair credit and billing Act and HIPPA Privacy law. I have been trying to resove these issues with Equifax and have not heard back. I have continued to receive unwanted call from these companies especially from XXXX XXXX disclosing my medical procedures which is a violation of the HIPPA Law. I have requsted Equifx to disclose what right the companies have under the fair credit and billing act to collection. I have not heard back. On XX/XX/2015, I contacted the credit bureaus to request a full validation of these accounts the person was rude and not helpful so I decided to file a complaint with CFPB. I have no knowledge of these accounts. ( XXXX XXXX Opened XXXX {$74.00} ) and XXXX XXXX XXXX Opened XXXX {$240.00} ) I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. Based on my research these accounts have been sold to 3rd party collection at a much lower rate. I need to see this contract too. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. Based on the FCRA and FTC Law, all information must be accurate, no errors and verifiable. Please do what is necessary to validate these accounts in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I tried to start a PayPal I had an old account I cant recover because its asking for my previous phone number. I sold two items for {$230.00} tracking was supplied and customer recieved payment they banned my account and said I owed fees on my old account which I cant logg into I asked them for help and was refused I was told I have to wait 180 days to get my money all I wanted was to know what I owed so I can fix my account because I didnt think I owed anything to PayPal Now I will not get a response below are the attachments of my attempts to rectify the situation and getting the same response over and over again

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Global Asset Agency, Inc.
State: AE

Complaint narrative:
This company reported a collection action to my credit report without ever contacting me. This is a clear violation of the Fair Debt Collection Practices Act. Per the FDCPA, the collection agency must send you a notice include the amount of the debt, name of the creditor, and notice of your right to dispute the debt within 30 days. This NEVER occurred. I received NO letter, NO email, no phone call. NOTHING! I was denied my right to dispute this debt ( which I emphatically do! ).. Disputing the debt would have required this company to pause all collection actions during the dispute. This NEVER occurred!!! 

My rights have been violated and my credit ruined!!!!

Company response to consumer: Closed with explanation