vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX., XXXX, TX XXXX SS # ENDING IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to 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 2021-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Today is XX/XX/XXXX and I am responding to communication from Midland Credit Management XXXX XXXX. Per response from this company, she stated that a notice was sent to me on XX/XX/XXXX to my address but attached a letter that was not from Midland. Please provide me with proof of this letter that was sent that I NEVER received.

Please be advised I have requested validation { not verification } of an item reported to you by the above original XXXX XXXX, I have received a response that does not indicate or prove I approved this credit transaction with my social and ID. I was provided billing statement. Anyone can furnish billing statements. Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft. You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 

I am proceeding with legal action as prescribed by law against Midland Credit Management Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureaus responsible for reporting this violation.I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 

Sincerely

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-25 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: MD

Complaint narrative:
This communication is a follow-up in regards to closed complaint XXXX-XXXX  Portfolio Recovery Associates, LLC is in clear are violating federal laws against my person and natural person and of the FDCPA Laws. From their previous response to my original complaint, there is a clear admission of guilt. The Affidavit of Truth, debt validation form/letters, and correspondence, as well as exhibits, have all been ignored. Portfolio Recovery Associates, LLC responded by sending a letter with absolutely no information and did not include the requested information from any of the correspondence sent out with certified mail validation. This included NO notarized under penalty of perjury Affidavit of Truth responding to my Affidavit of Truth line by line signed by the CEO, CFO, or any superior of Portfolio Recovery Associates, LLC, NO completion of the debt validation form, I have yet to receive validation on behalf of the account with any contract bearing my signature stating I would be responsible to pay any debt to Portfolio Recovery Associates, LLC, LLC or any company that they represent and whom I have no contract with for an alleged debt I do not owe. Instead, I have received numerous debt collection attempts and itemized report statements as " proof '' that said debt has been validated from the " original creditor '' XXXX and which per FCRA/FDCPA does not constitute verification. Please note that on XX/XX/2019 the CFPB released its Fair Debt Collection Practices Act Annual Report and it stated the following : The Bureau notes that one or more debt collectors continued collection activity despite not properly obtaining and mailing debt verification after a consumer exercised his or her 1692g rights. Specifically, the Bureau calls out the practice where debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to the consumers. Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT ( meaning the collection agency ) obtains verification of the debt and mails it to the consumer. Examinations found that one or more debt collectors routinely failed to mail debt verifications before engaging in further collections activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
On XX/XX/2021 I initiated a transaction with another user in PayPal. The transaction amount was {$2500.00}. I had the user refund the money through the PayPal interface. The balance of the transaction that was from my PayPal account was refunded but the remaining {$2400.00} was not refunded back to my account. Since the initial transaction I have worked with PayPal and my bank to get the refunded money ( {$2400.00} ) back into my checking account. PayPal keeps saying the card issuer has to find the money but the bank has traced all the IDs provided by PayPal and concluded that PayPal issued and then recalled the refund. PayPal keeps saying it is a hold on the money and the bank has to release the hold. The bank, XXXX XXXX, has provided PayPal with confirmation that the money is not on hold nor was it refunded to my account on several occasions now. The bank even provided a contact in the executive office for PayPal to confer with in regards to this issue. It has been over 4 months now since the transaction and PayPal has not made any headway on this much less resolved the whole issue. A previous CFPB complaint ( XXXX-XXXX ) was submitted for XXXX XXXX  to confirm that all actions that could be taken were taken on their part. The bank has confirmed there are no further actions they can take and that PayPal is responsible and liable for this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 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: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Hello I have never had a credit WITH LVNV Funding, XXXX XXXX  XXXX, and XXXX XXXX. I will like for them to show me documents proving that I have signed up for this credit with my signature. If not which they want have because I have never been with any of these companies.I want removed off my credit asap.LVNV funding and XXXX XXXX  XXXX was removed off my credit report and for some reason they were added back on my credit. I never had credit them and want removed for it is causing my credit score/ report to look bad. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Navy Federal Credit Union ( NFCU ) Stated that I exceeded by credit limit and the balance carried over to next bill. This is not true. I always pay my credit card off every month as I did a week ago. During the pay off last week, I had a credit card fraud, so NFCU cancelled my credit card and issued me another credit card. During this transition somehow it showed I exceeded my credit limit and the balance carried over to the next bill. XXXX  and XXXX  lowered me and my wife 's credit score by 35 points - now at XXXX. XXXX/XXXX/NFCU needs to correct this immediately. My credit score should be XXXX and my wife 's should be XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 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: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
Hello I have never had a credit WITH XXXX XXXX, Caine and weiner, and XXXX XXXX. I will like for them to show me documents proving that I have signed up for this credit with my signature. If not which they want have because I have never been with any of these companies.I want removed off my credit asap.XXXX XXXX and Caine and Wener was removed off my credit report and for some reason they were added back on my credit. I never had credit them and want removed for it is causing my credit score/ report to look bad. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 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: CA

Complaint narrative:
XXXX this is my 3rd or 4th time trying to get things off my report and they have not been help or no reponds. First letter was sent on XX/XX/XXXX and second was sent XX/XX/XXXX 1. chapter XXXX bankruptcy 2XXXX XXXX  XX/XX/XXXX it was unauthorized 3XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX not mines 5XXXX XX/XX/XXXX Not mines 6. XXXX XXXX I was never late 7XXXX I Was never late TransUnion LLC Consumer Dispute Center- This is my second attempt to get a responds or an answer. first letter was sent XX/XX/XXXX and the second was sent XX/XX/XXXX 1. XXXX  XX/XX/XXXX not mines 2. XXXX XXXX I was never late 3. XXXX I was never late XXXX XXXX XXXX they yet to respond or address my concerns. The first letter I sent was on XX/XX/XXXX and the second letter I sent was on XX/XX/XXXX 1.XXXX  XXXX I never gave the consent to report this own my credit report 2. XXXX  XX/XX/XXXX Not authorize or mines 3XXXX  XXXX I was never late 4. XXXX I was never late

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 2021-07-25 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: CA

Complaint narrative:
XXXX this is my 3rd or 4th time trying to get things off my report and they have not been help or no reponds. First letter was sent on XX/XX/XXXX and second was sent XX/XX/XXXX 1. chapter XXXX bankruptcy 2.XXXX XXXX  XX/XX/XXXX it was unauthorized 3XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX not mines 5XXXX XX/XX/XXXX Not mines 6. XXXX XXXX I was never late 7XXXX I Was never late XXXX XXXXXXXX XXXX XXXX XXXX This is my second attempt to get a responds or an answer. first letter was sent XX/XX/XXXX and the second was sent XX/XX/XXXX 1. XXXX XXXXXX/XX/XXXX not mines 2. XXXX XXXX I was never late 3. XXXX I was never late EquiFax Information Services- they yet to respond or address my concerns. The first letter I sent was on XX/XX/XXXX and the second letter I sent was on XX/XX/XXXX 1.XXXX XXXXXXXX I never gave the consent to report this own my credit report 2. XXXX  XX/XX/XXXX Not authorize or mines 3.XXXX  XXXX I was never late 4. XXXX I was never late

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
I am asking to be removed from Macy 's account ending in XXXX. I have already asked Macy 's three times to be removed from the joint account with my ex-wife ( XXXX XXXX ). I sent Macy 's a letter on XX/XX/XXXX, again on XX/XX/XXXX and again on XX/XX/XXXX. All three times asking to have my name removed from this account. I have received two letters from Macy 's, one dated XX/XX/XXXX and the other dated XX/XX/XXXX. Both letters saying that Macy 's would investigate my request. This account was issued to my ex-wife and I on XX/XX/XXXX. I no longer live at the same address as my ex-wife. She and I are now divorced since XX/XX/XXXX. I wish to have my name completely removed from this account. I do not want to be held responsible for any charges to 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 2021-07-25 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 — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
They claim to be Synchrony Bank representing P.C. Richard and Son company. Only the email address is correct ; my name is not XXXX, I do not have a credit card ending the numbers shown, and have not done business with P.C. Richard and Son company. 

Hi XXXX, A total minimum amount of {$370.00} is due on XX/XX/2021 for your P C RICHARD & SON/SYNCHRONY BANK account ending in XXXX. Pay online or give us a call to avoid additional late fees, we want to help. 

Convenient ways to pay : Log in to your account Pay as Guest and skip login to make a quick secure payment Call us and speak to a member of our team If you can not make a payment today please call us. We may be able to assist you. 

Enroll in Autopay to help you avoid late fees and keep your account up to date.

Log in and select Manage Autopay from the Payments Menu to enroll.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I decided on XX/XX/2021 to close 2 accounts at Citibank due to their unavailability on the telephone ( I have an online account ) and their representatives ' consistent inability to help me ( if I ever got one on the phone after repeated calls and wait times in excess of 20 minutes. ) I called, was put on hold for 23 minutes, then a representative named XXXX told me to simply withdraw or transfer the money in the account to XXXX. He said the account would automatically be closed in 30 days. Since then they have been charging fees on the accounts, and have been robo-calling, emailing and texting relentlessly to collect these charges on a " closed '' account. All this for about {$65.00}. 
Today ( XX/XX/2021 - Sunday! ) they called again and I decided to try to get this resolved. I was again put on hold and finally transferred to someone in the customer " service '' department named XXXX. I told him what happened and he tried to sell me on more accounts and became very adversarial and argumentative when I told him I was not willing to wait on hold indefinitely. I ended up hanging up on him.

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 monetary relief
Consumer complaint received 2021-07-25 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: MD

Complaint narrative:
This communication is a follow-up in regards to closed complaint XXXX Portfolio Recovery Associates, LLC is in clear are violating federal laws against my person and natural person and of the FDCPA Laws. From their previous response to my original complaint, there is a clear admission of guilt. The Affidavit of Truth, debt validation form/letters, and correspondence, as well as exhibits, have all been ignored. Portfolio Recovery Associates, LLC responded by sending a letter with absolutely no information and did not include the requested information from any of the correspondence sent out with certified mail validation. This included NO notarized under penalty of perjury Affidavit of Truth responding to my Affidavit of Truth line by line signed by the CEO, CFO, or any superior of Portfolio Recovery Associates, LLC, NO completion of the debt validation form, I have yet to receive validation on behalf of the account with any contract bearing my signature stating I would be responsible to pay any debt to Portfolio Recovery Associates, LLC, LLC or any company that they represent and whom I have no contract with for an alleged debt I do not owe. Instead, I have received numerous debt collection attempts and itemized report statements as " proof '' that said debt has been validated from the " original creditor '' XXXX and which per FCRA/FDCPA does not constitute verification. Please note that on XX/XX/2019 the CFPB released its Fair Debt Collection Practices Act Annual Report and it stated the following : The Bureau notes that one or more debt collectors continued collection activity despite not properly obtaining and mailing debt verification after a consumer exercised his or her 1692g rights. Specifically, the Bureau calls out the practice where debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to the consumers. Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT ( meaning the collection agency ) obtains verification of the debt and mails it to the consumer. Examinations found that one or more debt collectors routinely failed to mail debt verifications before engaging in further collections activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/XXXX - 2020 I took a money order received for a truck I'm trying to sale ( I still have the truck ) to navy federal that I bank with. They didn't tell me that I had to sign the back of it ( it's very rear I deal with a check so I really on bankers to tell me what I need to do with the check ) and they made the funds available Tuesday XXXX the XXXX. The money was in my account on Thursday the XXXX. On XX/XX/XXXX I tried to pay my bills and there's no money there so I called the bank and they told me that the check is fictitious. I told them if the check is not real then why did they tell me the check is good and made the funds available and where's my VA XXXX check at. They said that they didn't know at the time I took the check to them the check was not good and because they pulled all the money out they used by VA XXXX check ( {$1800.00} ) to cover some of they debt. I think it took a week and a half for them to tell me that my check is a protected check and they can't legally withhold it from me. So I drew out {$400.00} to pay my bill. About a week later I wanted to pull out {$160.00} and they told me that I'm to far in the debt so I can't access my VA XXXX check. I told them that they told me that it's a protected check and they even told me that they have to make it available to me. They still won't fix the issues they caused and won't release my check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation