vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: RI

Complaint narrative:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-03 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: PNC Bank N.A.
State: IL

Complaint narrative:
I contacted PNC Bank and requested COVID payment deferred payment. I made the request online. But also called as well and was verbally advised that the personal loan was fine under the deferment. 

A few days ago, I received a notification via XXXX of a 30 day late reporting. My FICO credit score dropped 78 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I contacted XXXXXXXX XXXX  and requested COVID payment deferred payment. I made the request online. But also called as well and was verbally advised that the personal loan was fine under the deferment. 

A few days ago, I received a notification via XXXX of a 30 day late reporting. My FICO credit score dropped 78 points.

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 2021-03-03 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: CITIBANK, N.A.
State: NV

Complaint narrative:
On XX/XX/XXXX, I made a purchase with my Citibank issued credit card ending in XXXX to XXXX via XXXX in the amount of {$1500.00}. The purchase was for the delivery of a mattress and associated furnishings. 

Subsequently, I disputed the charge with Citi, indicating that the merchant was not in compliance with their own terms and conditions. 

On XX/XX/XXXX, Citi sent a letter indicating that if I continue to dispute the charge, I should : " Please sign and return this letter with the requested information by XX/XX/XXXX. Please do not send photographs, smart phone pictures, or zip files as they are not compatible with our system. Our fax number is XXXX and our email address is XXXX. Please reference this ID in the subject line of your email : XXXX. '' Pursuant to Citi 's instructions, on XX/XX/XXXX at XXXX PST, I responded to Citi via email to their provided email address and referencing the provided ID in the subject line of the email, and provided additional supporting evidence for my claim. Citi 's automated system acknowledged receipt of the documents. 

However, later that month, Citi sent me documents indicating that I did not provide additional supporting evidence in the time allotted. This is in direct contradiction to other documents that they provided me. 

Citi failed to comply with their own stated dispute process and made it impossible for me to provide them with documents.

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 2021-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: KEYCORP
State: CT

Complaint narrative:
On XX/XX/2019, I wired XXXX dollars to a scammer to XXXX  XXXX  XXXX but I realized it was a scam a few hours later. Called key bank customer service and they said the money is in transit because it was international, it took a day to get there. I was told it had been taking care of, no worry and next time be careful. In reality the customer service did not take action to inform their XXXX  XXXX  XXXX or any bank departments to coordinate this matter. All they did was froze my domestic KeyBank account and put a note on it, I was told I did not need to do anything. Days gone by, About 2-3 weeks later finally I was told the money was gone when I went to the branch where I wired the money to ask. 

On the receipt the fund would not be ready to withdrawal before XX/XX/XXXX. 7 days holding period ( please see the attached file 1 ) Key bank was informed the transfer only a few hours ( XXXX starts the wire, before XXXX reported the case ), key bank did not make any effort to protect me as a customer, they claim money is out their door it is not their business so they do not have to do anything. 

I wrote formal complaint to KeyBank Corp, and tried to contact them many times. their answer was not their problem after the money is out their door 30 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Good morning! I opened Quicksilver  Credit card with Capital one onXX/XX/XXXX upon seeing their promotion of 200 $ bonus ( after spending 500 $ in the first 90 days ). I applied on Capital one website and was approved. On XX/XX/XXXX I called Capital one to verify if I reached 500 $ yet to get the bonus. Capital one representative told me that I was not approved for 200 $ bonus when I applied. In my opinion this is not fair. I have good credit score, never missed even one payment on any card that I have, this is my second credit card with Capital one. I also have a checking account with them. And most importantly amid Corona  virus pandemic I was counting on this bonus. They should not advertise this promotion. I have never heard that the company would approve you for a card but not for a bonus that goes with it. Please look into this further. Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-03 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: IL

Complaint narrative:
I am a victim of ID theft. I need the reporting agencies to remove the information from my 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 2021-03-03 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: IL

Complaint narrative:
I am a victim of ID theft. I need the reporting agencies to remove the information from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My debit card from Bank of America that my Unemployment is deposited to has been frozen for no reason for over a month. I have {$9000.00} in my account. There is nothing wrong with my EDD unemployment account. I have had my State Assemblyman helping me with this, to no avail. Four different requests have been submitted to unfreeze my account, to no avail. I have sold everything I own, and I cant provide for my family. This is so urgent I cant stress how important this is to get resolved. Please help 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 monetary relief
Consumer complaint received 2021-03-03 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: U.S. BANCORP
State: MA

Complaint narrative:
I see multiple 301500 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
In XX/XX/XXXX, National Credit Adjusters reported a collection account for XXXX XXXX XXXX in the amount of {$820.00} on my credit bureau file. On XX/XX/XXXX, I sent a certified letter to National Credit Adjusters disputing the debt and requesting specific information be provided to me ( see attached ). They did not respond. Pursuant to the FDCPA, they were required to respond to my request within 30 days. In XX/XX/XXXX, the collection account was deleted from by credit bureau file. In XX/XX/XXXX, National Credit Adjusters began reporting the collection account again without notifying me. To date, National Credit Adjusters has never contacted me or sent any information regarding the validation of this debt. National Credit Adjusters has continued to violate the FDCPA regulations by refusing to provide me with any verification of the debt. In XXXX, National Credit Adjusters was sued by the CFPB for multiple violations related to their collection activities. National Credit Adjusters has a long history of complaints at the CFPB of violating consumers ' rights by not conducting business practices in compliance with federal and state laws regulating consumer collection agencies. There have been 1217 complaints filed against National Credit Adjusters at the CFPB. I am requesting that this company be investigated and that the account be deleted from my credit bureau file immediately. I have also filed a complaint with the Florida Attorney General requesting they investigate the deceptive collection actions of National Credit Adjusters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: IL

Complaint narrative:
On XXXX, I went to Experian to check my credit score using my registered email and updated password. I was a former Executor of my deceased mother in XXXX. Her account came up as my account with my password and pin. My mothers account needs to be deleted and my account needs to be corrected immediately.

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 2021-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/21 I MAILED IN MULTIPLE DISPUTE LETTERS TO Each Credit Bureau VIA CERTIFIED MAIL. EXPLAINING AND SENT IN INFORMAL DOCUMENTS THAT THERE WERE MULTIPLE HARD INQUIRIES ON MY CREDIT REPORT THAT " WERE NOT AUTHORIZED '' BY ME NOR DID THE COMPANIES HAVE MY CONSENT TO PULL MY RECORDS! I ALSO CALLED All 3 CREDIT BUREAUS MULTIPLE TIMES AND THE CUSTOMER SERVICE REPRESENTATIVE STATES THAT THEY HAVE TO STAY ON MY CREDIT REPORT FOR 7 YEARS EVEN THOUGH THEY WERE " NOT AUTHORIZED BY ME AND FRAUDULENT ''! LACK OF EMPHATY FOR CUSTOMERS!

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 2021-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/21 I MAILED IN MULTIPLE DISPUTE LETTERS TO Each Credit Bureau VIA CERTIFIED MAIL. EXPLAINING AND SENT IN INFORMAL DOCUMENTS THAT THERE WERE MULTIPLE HARD INQUIRIES ON MY CREDIT REPORT THAT " WERE NOT AUTHORIZED '' BY ME NOR DID THE COMPANIES HAVE MY CONSENT TO PULL MY RECORDS! I ALSO CALLED All 3 CREDIT BUREAUS MULTIPLE TIMES AND THE CUSTOMER SERVICE REPRESENTATIVE STATES THAT THEY HAVE TO STAY ON MY CREDIT REPORT FOR 7 YEARS EVEN THOUGH THEY WERE " NOT AUTHORIZED BY ME AND FRAUDULENT ''! LACK OF EMPHATY FOR CUSTOMERS!

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 2021-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TN

Complaint narrative:
COMPANY I am complaining about : Loancare, a XXXX company which may or may NOT have been recently purchased by XXXX XXXX XXXX 

I requested to be taken OFF of forbearance and requested a deferment of the outstanding 10 payments at the beginning of XXXX. 

I have recently started a job and can now make regular payments. 
I also need to finance a car and need the loan to be off forbearance and show as CURRENT. This is the source of my HARDSSHIP due to their gross negligence. 
I am also considering filing a complaint with the consumer protection bureau. Their incompetent top management is causing financial hardship. 

As of XX/XX/XXXX, the loan changes had still not been processed. 
That is causing considerable financial hardship on me because it is delaying the opportunity to get a loan as interest rates go up. 

This company is totally incompetent and truly slow and unresponsive. The entire executive suite should be fired for not thinking ahead and getting more modern and up to date systems in investing in technology. Instead they buttered their bank accounts and slapped themselves on the back for doing such a good job. 
In the mean time, my new monthly statement STILL SHOWS that the loan is in forbearance and even if they get it done tomorrow, I will have to wait unitl I get a new statement at the end of XXXX to prove that the loan is current. 

That means that the total elapsed time from my request until resolution will have been over two months. Inacceptable.

I request that you reach out directly to Loancare 's management as well as to Management of the new owner, XXXX. 
Their inaction and inability to plan and staff up is no excuse for BAD LOAN SERVICING. 

Sincerely, 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 2021-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
i sold my XXXX  currency on XXXX and they hold each and every one of the transfer i received, even thou i provided information about my customer had received their goods, they requested tons of evidence and i provided all of it but on the second day, PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: PA

Complaint narrative:
Our XXXX  XXXX used the square online site to do card purchases. We received an email stating we are shutting down your square account with specific reaso. It is all over the web that square does this and all complaints are same. I've tried for days to contact square with no luck. You can't speak to anyone over the phone. Emails do not get responded to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: TX

Complaint narrative:
Based on the fact that the credit bureaus ignored my numerous requests to provide documentary proof that they used to verify the disputed accounts, which means that they have not verified or they can not verify any of these accounts. They failed to identify the name of a responsible person in the company who verified the accuracy of these accounts. Besides, they have not submitted evidence of the investigation, reinvestigation ( method of verification ) by giving me names and addresses of persons contacted, nor they have removed anything found inaccurate.

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 2021-03-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Based on the fact that the credit bureaus ignored my numerous requests to provide documentary proof that they used to verify the disputed accounts, which means that they have not verified or they can not verify any of these accounts. They failed to identify the name of a responsible person in the company who verified the accuracy of these accounts. Besides, they have not submitted evidence of the investigation, reinvestigation ( method of verification ) by giving me names and addresses of persons contacted, nor they have removed anything found inaccurate.

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 2021-03-03 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
There is an account from Santander Bank that is not mine.

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 2021-03-03 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: NY

Complaint narrative:
There is an account from XXXX XXXX that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: VA

Complaint narrative:
When I applied for a loan from this company ( Atlantic Bay Mortgage ) via a loan officer named XXXX XXXX, I offered him a letter from the Commissioner of Revenue in XXXX  XXXX dated XXXX, stating that I was exempt from paying real estate taxes because I am a 100 % service connected permanently XXXX veteran. He refused the letter saying it would be taken care of after I closed, I closed on XX/XX/XXXX. In XXXX XXXX I sent the mortgage company : Atlantic Bay Mortgage a copy of the newly approved letter from the Commissioner of Revenue stating again that I was exempt from the taxes. I asked the mortgage company to please adjust my mortgage to reflect a new payment minus the taxes. They have refused to do so. I went back to the Commissioner of Revenue who has tried to help me and gave me a copy of the past years ' XXXX  balance on real estate taxes, I sent them the document via upload onto their website, and hand delivered to their main office which is located here in XXXX  XXXX. They currently have an escrow of over {$200000.00} that they refuse to refund to me. They have even gone out far enough to send me an escrow statement and tell me that I am {$1.00} short of escrow. I am on fixed income and need this reduction of mortgage premium, and I need my escrow refund. This is my entitled benefit and they have no right to refuse a mandate by the goverment. I am not getting any help from the mortgage company at all to resolve this. I need help from a higher source to make them follow the State 's mandate. I wonder how much money this company is making by keeping XXXX veterans tax escrow. Here is the link to the State 's regulation on Military Veterans with 100 % XXXX exemption of real estate taxes : XXXX XXXX XXXX I appreciate your help in this very important matter.

Company response to consumer: Closed with monetary relief