vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: FL

Complaint narrative:
I reached out to the company after initially filing my first complaint and despite providing an address for the documentation to be mailed for an official dispute to be put in, I was told to take it up with the post office because it was a bad address despite it being the address I gave to the Consumer Bureau itself. Then, despite stating I want to dispute BOTH accounts this company opened against me for the same supposed debt at the same location, began to yell at me for payment information despite me confirming I had never received any documentation about the debt verifying it was correct or mine or the ability to dispute as I do not have direct information from this company and this is the second complaint Ive lodged and the fifth dispute in a matter of several months. There was also an effort to mislead me to gain access to my cellular number without stating it would be to collect debt. There is also proof that more than one debt was claimed on my credit and one was removed while the other was updated with a lower balance.

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 2022-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
Hi, I had a Amex XXXX  credit card and I requested to close the account earlier this year. At the time of closing, I had about XXXX point in Amex. During the call with customer support, I was explicitly told that I will have one month to redeem the points once I go ahead with closing my account. I explicitly confirmed twice if I have 1 month to redeem and it was confirmed by the support agent. However, once the account was closed, I lost all my points. I raised complaint twice. But it didnt help. 

Approximate flow of conversations during the call with support agent ( You may confirm with Amex 's call logs ) Me : I would like to close my account. How long do I have to redeem the points Amex : A month from date of closing Me : Okay, lets proceed Amex : Explained some terms and conditions and then asked to confirm if I would like to close the account. 
Me : Are you sure that I have month to redeem the points? 
Amex : Yes, thats right. Shall I proceed with account closure? 
Me : Yes The above conversation can be verified from your call logs. On raising the complaints twice, the first I was told that they reinstate the points but they didnt. Second time, they flatly declined saying nothing can be done inspite of telling them to review their own logs. 

I feel it is unfair to lose my points especially because of wrong information given to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The following company is not in accordance with 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish. 

Company : XXXX XXXX XXXX XXXX - XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The following company is not in accordance with 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish. 

Company : XXXX XXXX XXXX XXXX - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The following company is not in accordance with 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish. 

Company : XXXX XXXX XXXX XXXX - XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: ProCollect, Inc.
State: TX

Complaint narrative:
I received a call from ProCollect on XX/XX/2022, wherein they asked me to pay them money but refused to provide me any details regarding the debt. ProCollect stated they had been sending collection letters to me at the request of XXXX since XX/XX/2022. I requested the address they were sending the collection letters to and it was not the forwarding address provided to XXXX XX/XX/2022, when I provided XXXX notice I was moving as a result of constructive eviction as a result of their violations of Texas XXXX XXXX XXXX and XXXX. I then sent an email to ProCollect ( XXXX ) as XXXX XXXX stated requesting the amount of the alleged debt ; full name and mailing address of the original creditor for the alleged debt ; documentation showing you have verified that I am responsible for the alleged debt or a copy of any judgment ; and documentation showing you are licensed to collect debts in Texas. To date, I have not received any of this information. I also provided them with my attorneys contact information and she has not received anything either. I had my credit report pulled recently and was astonished to see this was on all 3 reports. I have disputed it with all 3 bureaus however they are not requiring the collector to follow the Fair Debt Collection laws. I have provided the bureaus with all documentation and requests prior to the constructive eviction and after. Again, to date, I nor my attorney have received any documentation from ProCollect regarding this alleged debt as request more than 4 months ago!

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 2022-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
I was sending money to someone on paypal when all of a sudden they put my account on hold for no reason I went back and forth with them for 1week trying to verify my documents and after handing in all the correct documents when I checked my paypal to check if my account was of hold it said my account is now banned for 180days. My account is banned for 180 days with the money I was supposed to send someone a whole week and a half ago they money is still on the account I just want to get it out so I can send the person their money and I do not want to wait 180 days I really need my account back this week if possible I can not wait 180 days at all not even half of that my email to my paypal is XXXX and my name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The CMI Group, Inc.
State: VA

Complaint narrative:
In XX/XX/XXXX I found that there was a collection of {$110.00} for a XXXX XXXX bill in XXXX, GA on my credit report. This collection was lableed as delinquent in XXXX. I was *not* the owner of that account. I had moved to Florida and was a Florida resident in XX/XX/XXXX. I called the collection agency ( Credit Managment LP ) and had discussed that it was not my account, but asked if I could get a goodwill deletion if I paid off the debt because I wanted the issue to be resolved immediately instead of waiting months for it to go thru the dispute process. 

They agreed that they would provide a goodwill deletion after the debt was paid. 

After I paid off the debt, they apparently deleted the collection only to XXXX. The collection still shows up on my XXXX and XXXX credit reports, negatively affecting my credit score. I called Credit Management LP again in XXXX and they told me to file a claim on their Web site. I filed a claim on their Web site, but I still get no response and the collection is still showing up on my XXXX and XXXX creidt reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
I am writing to request the method of verification for dispute initiated on XX/XX/2022 and subsequent response received on XX/XX/2022. 

Please send the following information used to verify the validity of medical bill 1. The name of the original creditor 2. Original creditors address and telephone number 3.The person 's name they verified the dispute with 4. The documentation used to verify the dispute In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending this information you can reopen the disputes and ensure a proper investigation is performed. 

I would appreciate a timely respone outlining the steps that will occur to resolve this matter. If i do not receive a response I will have no choice but to exercise my right under FCRA section 616, and pursue legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 Sections 602 A States I have right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my instruction 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I went to annualcreditreport.com and attempted to get a credit report from Experian. I filled in my information, and instead of my credit report, I got a message saying that Experian is not offering the reports online and I would need to print out a form and mail it to them. 

This is not a transient problem. I have tried this repeatedly over the last year and keep getting this message. I am not having trouble getting credit reports from XXXX or XXXX, but only Experian. The CFPB needs to make sure that Experian is fulfilling their mandate of providing free credit reports on annualcreditreport.com, because they are currently not doing it.

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 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act Discover Bank Account ending in 2013, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666 B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2022-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I have been banking with TD Bank since XXXX. Since XX/XX/XXXX, the bank has taken a {$25.00} " maintenance fee '' from my checking account monthly for failure to maintain a high minimum balance of {$25000.00} ( in comparison, the bank provides on average XXXX cents of interest per month in my savings account ). These exploitative and predatory fees have reduced the amount of money in my account by 20 percent over time ( more than {$500.00} has been taken ). 

I was not monitoring this account closely because it is a " rainy day '' fund. I do not have an ATM card associated with this account. I was devastated to learn about these fees and can not understand how it is equitable that the bank be allowed to take my money from me. 

I have attempted to resolve this situation by speaking to customer service and a local branch manager to no avail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK
State: DE

Complaint narrative:
XXXX XXXX, XXXX i did NOT receive a dividend check from DISCOVER BANK for {$530.00}. i didn NOT endorse the check. the signature was a forgery. after 15+ phone calls to the bank, speaking to several representative, and consuming MANY hours, DISCOVER BANK has not started? completed? its investigation. 
i was sent info packets to complete and return to DISCOVER BANK. i was told that the info was incorrect. another packet was sent and i returned to DISCOVER BANK. i was told that they never receive the XXXX packet! i was sent another packet. after following specific instructions from XXXX XXXX at the bank, i made copies of ALL sheets in the packet ( kept them ) and sent the completed packet CERTIFIED MAIL, notorized! 

DISCOVER BANK said the check sheet was missing. i disagreed because i had copies of ALL the sheet i sent and the check sheet was among the sheets sent. 

the last communication with DISCOVER BANK was friday, XXXX XXXX, XXXX at which time i was told that XXXX handled the check page and she was not available, but would call me on monday, XX/XX/XXXX XXXX XXXX XXXX NOT call. after 2 years of waiting for an investigation, i am now filing a formal complaint against DISCOVER BANK. 

FOLLOWING, dates and times of communication with the bank,. they will have a record of these calls. each call said they would pass the info to correct department who would solve the problem? XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XXXX, XXXX, XX/XX/XXXX XXXX, XXXX, XX/XX/XXXX XXXX,. XXXX ; XXXX. on XX/XX/XXXX @ XXXX ; XXXX XXXX XXXX walked me thru the packet of forms to be certain i filled out ALL forms correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FinCo Services Inc DBA Current
State: IN

Complaint narrative:
Filed a dispute on a charge back on XX/XX/XXXX for a charge for items I never received they said it will take upto 90 days it's pass 90 days and nothing has happened

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX I opened a letter from XXXX XXXX telling me I needed to pay XXXX dollars for a debt owed to XXXX  internet. 

I was completely unaware of this debt, and upon confirming with XXXX  I paid that debt with them that same day on that same phone call. I was then informed a letter would be sent to XXXX XXXX that the debt had been paid. 

On XX/XX/XXXX XXXX received notice I had negative activity on my XXXX and TransUnion credit reports, it was an open collections from XXXX XXXX XXXX for a debt I had paid. I immediately disputed with XXXX and they have removed both the open balance and the collections notice from my credit report, TransUnion is stating after my dispute that their information is accurate and I have an open collections debt. 

When I called XXXX  on XX/XX/XXXX asking if they had sent the letter to XXXX XXXX telling them the debt had been paid they told me it had not yet been sent, but it would get to them within 60 days. 

My credit has been immaculate, I've never missed a payment, am in good standing with all of my creditors and don't believe TransUnion got this right. I am potentially moving states for a new job and this negative impact on my credit will greatly affect my life.

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 2022-09-21 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: TX

Complaint narrative:
Unauthorized credit inquiries on my credit report.

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