vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
On or before XX/XX/2021 I entered into a consumer credit transaction by submitting an application with barclays for an extension of credit for my personal, family and household use in which they denied my right to credit and the account that they hold with that application is evidenced with the negative inquiry through transunion they furnished on my consumer report in which I did not give my consent or authorize them to do. Within that application I entered my name, address, phone number, email and my social security number and pursuant to 15 U.S.C. 1602 ( L ) is my credit card. I signed the application electronically which gave it value and I did not receive equal consideration for that asset I submitted to barclays. The constitution states that no personal/private information shall be taken for public use without just compensation. Barclays used my social security number which is my credit card pursuant to 15 U.S.C. 1602 ( L ) to establish an account in which I am the holder and beneficiary of and I received no benefit from the transaction. Congress clearly states that the transaction is " unauthorized use '' pursuant to 15 U.S.C. 1602 ( p ). Barclays is now criminally liable for willful and knowing violations pursuant to 15 U.S.C. 1611 and I will seek litigation for said violations if this issue is not rectified. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. Silence is Acquiescence, Agreement and Dishonor.

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 2022-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: CA

Complaint narrative:
continuous, technical failure and inaccessible, live, bank clerks at phone answering systems and main, bank headquarters phone have repeatedly prevented attempted activation of my, new, bank, debit card at both, bank, customer service, phone numbers, which repeatedly respond ; that I entered incorrect, bank, debit card and social security numbers ; when I entered only correct numbers, and the on-line, bank website and customer log-in and complaint, phone numbers repeatedly respond ; that I still need to select and receive a debit card style and number ; when I already have both of these to enter without on-line means to proceed and access required, customer account registration for card activation ; which has repeatedly prevented activation and use of this, bank, debit card and essential, bank card transactions and cash withdrawals for more than two weeks

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 2022-02-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: RAB, INC.
State: FL

Complaint narrative:
On Thursday, XX/XX/XXXX at XXXX XXXX XXXX I received a text message on my personal cell phone XXXX from XXXX XXXX representing eCommission from XXXX and XXXX with this threat, quoted : " XXXX, if I do not hear from you I will have to put your account in legal status. You understand that they will file complaints against your license? ** Please give me a call ** XXXX XXXX representing eCommission XXXX. '' I did not reply. Then, again on Friday, XX/XX/XXXX, from the same number I received the following text, quoted : " I will be notifying XXXX XXXX  of the UCC1 Lien against you ** XXXX XXXX representing XXXX XXXX. '' I responded : " There is no lien against me. Does your firm usually tell lies? And that would be a CFPB violation against you if you do so. I'm an educated person. Threaten me again. I also have not authorized your firm to text me. FTC violation. Don't text me again. '' A few minutes later, I received multiple emails to multiple email accounts, including my employer-sponsored email address, from an account which I did not authorize or opt-in to receiving emails from eCommission. To my ultimate humiliation, my former employer, XXXX XXXX, was copied, as well as, my former email address with that employer, my personal yahoo account, my personal gmail account. 

Included in their numerous emails as an attachment is what appears to be a UCC-1 filing against me, dated XX/XX/XXXX. However, the financial instrument they attached as " proof of indebtedness '' to eCommission was dated XX/XX/XXXX. My first response to them was that I had not been served any documents via judicial due process ; I had no knowledge of such lien against me ; and I questioned the dates on the documents. 

They notified my current employer with the same attachments via facsimile addressing XXXX XXXX, Compliance Specialist with XXXX XXXX. XXXX XXXX has confirmed receipt of all of the above from this debt collection agency, https : //www.rabtx.com/ - claiming to represent eCommission. They told my employer that they expected to be paid. 

In addition to the discrepancy in the dates ( filing a lien against a consumer 9-months prior to the date of the financial documents/loan ), the documents filed with the UCC-1 are against a nickname, the address on the documents was vacated more than 2 years prior to the lien filing date, judicial due process was not complete, but their brutally embarrassing tactics have caused me personal strife, fear, and anxiety. 

I am a XXXX  mother of XXXX  children. My employer is my only source of income.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Midland credit management. They seized an entire portion of my tax refund. Roughly {$2000.00} which debt collectors can not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Berlin-Wheeler, Inc. (Kansas)
State: VA

Complaint narrative:
Berlin Wheeler is reporting a collection on my credit report. Account number XXXX. I asked for verification and they have not provided any information that verifies this debt. I never entered a consumer transaction with the company nor do they have a contract with my signature giving them consent to report or have my personal information. This company is violating my rights of the FCRA. Please remove this from all three of my credit reports

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 2022-02-14 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: VA

Complaint narrative:
I have been disputing this account which is not mine ( XXXX XXXX XXXX XXXX ) with Experian for over 7 months now and nothing being done. This account was removed from my XXXX and XXXX Credit reports because they done a real investigation and found out this account is fraudulent. 

The account being reported multiple times on my experian report at one time it was being reported as 3 different accounts plus so much more and its very upsetting. 

I demand this account to be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and the XXXX breach and may have gotten into the hands of the wrong person.

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 2022-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have had my account credit card with Capital One for 10+ years. Over the past 3 years when I have an issue with an online order that is defective, Capital One always sides with the merchant even when they are shown proof and documentation on the merchandise. I provided documentation to them between me and the merchant. They say they are not experts so I need to get a second opinion from another table maker with their letter head. They received photos and they still require me to take other steps, so my dispute is null and void, and I am left to pay hundreds of dollars for defective merchandise. So, that's some of the background. On or about XX/XX/2022, I was so feed up with them siding with the merchant, I requested for my account/card to be closed. I had paid them off in full 2 ways prior over XXXX dollars. I requested for closing the account, and for me with a preference of shopping online for almost everything, I had placed an order with XXXX for a printer and the ribbons on XX/XX/XXXX for {$140.00}. I was unable to set the printer up so I returned it, and the cartridges was an in-store item, so XXXX tried to credit the {$57.00} to the closed card. It was declined and kicked back. I contacted XXXX XXXX and they told me to call XXXX. I did and the next day, 24 hours later they were able to give me the credit for the cartridges on the closed card. The printer was returned via XXXX  to the third party vendor. They tried to issue the {$74.00} credit and it was declined due to the account being closed. On XX/XX/2022, I spoke with a Senior Representative in Customer Service by the name of XXXX. After being on the call for 30+ minutes, he said he could not refund my monies to a closed account. I asked him for a check or to place the credit on another Capital One Card. He said no, we have your monies and this is our business practice to be deceitful and scam customers. This deceitful practices has to stop and the FTC need to close Capital One down for this scam. 

XX/XX/2022, I am speaking with a representative name XXXX, and I was being told the same thing. After about 15 minutes the refund will post today and they will send me a check as the transaction will post today. I hope and pray the check for the refund arrives in about 10 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2022 I requested the company to SEND ME the original signed credit application, cashed checks used for bill payment or original billing statements of the " debt '' because I don't remember owing the debt nor in the amount reported to the credit reporting bureau ( s ). 

XXXX rather than granting my request.. XXXX denied my request and said the company Certified to them the information was correct. 

XXXX was not given " conservatorship '' over me nor have I given authorization to the company to be my " interlocutor ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: SC

Complaint narrative:
I recently received a copy of my Credit report and see that you are still providing inaccurate information. I previously disputed a Bankruptcy on my credit report and in response you verified the item as accurate stating it was verified with the court. When a consumer files Bankruptcy the document is under federal law not state law. A Bankruptcy in public records can only be used for information purposes only unless the court authorizes. Public court records are available to anyone and may be used for news publications, academic research, and non-profit organizations. They may not however be used for commercial purposes of any nature. Commercial purposes mean selling, giving, or furnishing to others. I have already confirmed with the courthouse and was made aware that the court does not report any information to you or any credit reporting agencies for that matter. I have also enclosed their response for your records. Therefore, your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with : FCRA 611 ( 15 U.S.C. 1681 I ) Privacy Act of 1974 Violation 5 USC 3711 ( e ) Violations Public Records Act Violations Commercial Purpose Declaration XXXX ( 8 ) Conditions of Disclosure Cybersecurity Breaches of Government Computers and the information must be deleted immediately. Thank you for your prompt attention. I look forward to getting this resolved as soon as possible.

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 2022-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I received 4 cashier checks ( {$100.00} each ) dated XX/XX/XXXX. The checks were purchased by my father who was killed in XXXX. My grandfather held on to the checks in his safe deposit box until his death. The first thing I need to know is the statue of limitations regarding cashier checks? The bank ( XXXX XXXX XXXX  XXXX XXXX, NY ), which was purchased by XXXX XXXX, the bank can not find any record of the checks. The bank ( XXXX XXXX XXXX was a subsidiary of The Chase XXXX Bank and the checks are secured by The Chase XXXX bank, which is Chase. First, I contacted the Office of the State Comptroller - State of New York in XXXX and again in XXXX, where the office of the comptroller contacted me after seeing an interview from a news station with me seeking help getting these checks cashed. To no avail, they ( Comptroller 's office ) could not find any record of the checks being escheated to their office. After the second attempt failed through the Office of the State Comptroller - State of New York, I reached out to Chase since the checks are secured by them. They flat out refused and said I can keep them as a momento because they can't find any record of the checks. I have the actual checks in my possession, I have a copy of my father 's death certificate, and a copy of my birth certificate to prove I am a descendant and can rightfully claim the funds. To recap, my father has been dead since XXXX. He purchased ( 4 ) cashier checks of {$100.00} each from the local Savings and Loan, which has now been purchased by XXXX Bank. The checks are secured by The Chase XXXX Bank, which is ultimately Chase. Each party says they have no record because of the age. To my knowledge, cashier checks can only be purchased with cash, which doesn't expire. I don't understand why the securing bank can not replace the checks and allow me to cash them when I have all of the proper documentation to prove who I am and the original cashier checks. Can you help me in this matter or provide some advice on how I can proceed in getting these checks cashed?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Westcreek Financial
State: GA

Complaint narrative:
Ive contacted the company to pay the remainder balance and was told I could not. I paid this furniture off, but now Im being charged interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio claimed I owed them debt back in 2019. They sued me- I went and represented myself and explained that I had no knowledge of this debt - they had NO proof and admitted that they did not have a signed contract etc. the case was found in my favor. Then they threatened to take it to an appeals court which would require me to hire a lawyer to navigate. I made payments on this as I did not have the money to fight them but did not quite qualify for any pro bono lawyer ( I live in a rural area ) and could not take the time off from work. I did not know at that time they had to provide what information they used to say the loan is mine or that they can not threaten legal action. 
Despite the fact that they were told that I had been the victim of identity theft in court and the fact that credit reporting laws prohibit reporting or trying to collect in this case they never deleted it from my report. I never stated I owed them money - I was just scared of getting court costs and garnishments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, when logging into my bank account, I noticed there was two pending payments for my vehicle loan. Each payment was for {$300.00}. One identified as a 'Phone ' payment for XX/XX/XXXX and the other was identified as a " internet '' payment with date of XX/XX/XXXX My loan payment obligation is only {$250.00}, and I had NEVER called Santander nor would I authorize two payments ( i am on a fixed income ). 
I called into the company on XX/XX/XXXX and spoke to an agent who advised it was because my payment 's submitted in XX/XX/XXXX and XX/XX/XXXX " bounced '' and they were resending them for payment. I told her that is impossible, as I don't WRITE bad checks, my payment cleared and i was not charged any fees or notified of such. 
The agent told me that is exactly what happened and if i ask for a refund, it would make me past due. 
I have stopped payment on both of these transactions through my bank, and it cost me {$70.00}. Now, I am worried they will report inaccurate information to the the credit agency or charge me fees for something that is not my fault. In addition, as i have requested with them, i have a payment of {$300.00} that posted to my account on XX/XX/XXXX to principal only- which is not correct either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA

Complaint narrative:
I have been disputing this account which is not mine ( XXXX XXXX XXXX XXXX ) with XXXX for over 7 months now and nothing being done. This account was removed from my XXXX and XXXX XXXX reports because they done a real investigation and found out this account is fraudulent. 

The account being reported multiple times on my experian report at one time it was being reported as 3 different accounts plus so much more and its very upsetting. 

I demand this account to be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and the XXXX  breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. 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 non-monetary relief
Consumer complaint received 2022-02-14 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:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. 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 non-monetary relief