vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: NY

Complaint narrative:
A XXXX XXXX XXXX representing XXXX ( XXXX XXXX XXXX XXXX XXXX ) has dinged my credit score for a XXXX Time as of XX/XX/XXXX ( See enclosed ) This matter has taken my score from XXXX to Less than XXXX. 
It is extremely disturbing the recycling un-validated debt is the new scam. 
XXXX mobile has done nothing to protect their current and past customers. 
A XXXX Retention Agent called be, apologized for the matter and waived the final amount. 
This my fifth time sending letters of dispute to each Credit Agency and XXXX. 
During my most recent call with XXXX, I was asked if I had written confirmation of the devices and payments being addressed. 
When I stated Yes I was placed on HOLD for XXXX Hour and XXXX minutes. 
Enclosed is a screen shot of my call with XXXX ( XXXX hours ) XXXX Representatives and no one could explain why my account was in collection. 
Payment ( s ) Made Line XXXX XXXX XXXX Amount Due as of XXXXXXXX  Account Closure XXXX XXXX Line XXXX XXXX XXXX Amount Due as of XXXX  Account Closure XXXX XXXX XXXX Total Due for XXXX XXXX XXXX XXXX XXXX account XXXX XXXX. Thursday, XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX to Account Confirmation #. XXXX XXXX. Friday, XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXX # XXXX XXXX. Friday, XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXX # XXXX XXXX. Friday, XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXX # XXXX XXXX. Friday, XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXX # XXXX XXXX. Friday, XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXX # XXXX XXXX. Friday, XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX Payment # XXXX XXXX Final Amount Due to XXXX The supporting documents entail : 1. XX/XX/XXXX ( XXXX XXXX ) Disputed Charges Letter 2. XX/XX/XXXX, XXXX XXXX debt is Valid XXXX XXXX States No Longer Handler of Account ( F ) 3. XX/XX/XXXX, XXXX XXXX for ( XXXX XXXX ) XXXX XXXX 4. XX/XX/XXXX, XXXX ( XXXX ( XXXX ) Billing for XXXX XXXX and XXXX XXXX ) $ XXXX 5. XX/XX/XXXX, XXXX ( XXXX XX/XX/XXXX ) XXXX Dispute Letter 6. XX/XX/XXXX, Accounting of Payment ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 7. XX/XX/XXXX, XXXX XXXX 8. XX/XX/XXXX, Purchase Receipt of XXXX ( XXXX XXXX ) 9. XX/XX/XXXX and XX/XX/XXXX XXXX XXXX 10. XX/XX/XXXX, Account Status Request XXXX 11. XX/XX/XXXX ( XXXX  Cancel Account ) XXXX XXXX. XX/XX/XXXX ( XXXX of Devices ) 13. XXXX XXXX _ Consumer Financial Protection Bureau ( Initial Complaint ) Please investigate this matter and email me a full and complete accounting of my accounts. 
Do let me know you are in receipt of this email and each of the attached files. 
XXXX XXXX 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 2021-11-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Care Credit from Symphony Bank closed my account. I have had the account for more than XXXX years and there was no balance on the account. I received no explanation and the customer service line was not helpful at all.

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 2021-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: HI

Complaint narrative:
On my XXXX and XXXX credit report an unknown Company and account shows up named PORTFOLIO RECOVERY ASSOCIATES account # XXXX I have never had any Business with this Company, I have never signed an agreement with this Company I have never signed a contract with this Company After searching on the CFPB Database I have noticed that PORTFOLIO RECOVERY ASSOCIATES HAS ALMOST XXXX Customer complaints!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them letter last XX/XX/XXXX for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. KINDLY UPDATE THESE ACCOUNTS THAT STILL REPORTING ON MY ACCOUNT. Thank you. 
XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$6200.00} // Late Opened XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$120000.00} // Late Opened

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
Repeated calls daily from different numbers. I do not know this company and I do not owe any debt relative to this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I loaned XXXX from cash net, they removed payment every week at high interest rate.. when I realized the money was gwtting too much they remove, I decided to make the full payment.. On XX/XX/2021, I called the cashnet USA XXXX to ask for the full amount I owe. Which includes all charges, interest and all. The representative told me XXXX ( their calls are recorded to confirm this ), I made the full payment the representative quoted me after severalconfirmation that was all the payments. Weeks later I got a call that i am owing almost half of what I paid. I have called them several times to address this issue and nobody as been able to resolve this. Twice I was told they will file a complaint and call me back but all they do is call me back to ask for their payment. I simply asked your company to listen to the call and verify I made all the payment but they said sorry the lady may have made a mistake. I consider this fraud by trying to collect more from me because their interest will not be as much since I paid the full early. Pls help me intervene.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: MA

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The Department Of Education did not provide me with any original documentation bearing my signature proving that I have any obligation to the amount they are reporting to the Credit bureaus under my name. They continue to illegally report this negative account to the credit bureaus under my social security number depriving me of my rights that come with having good credit.

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 2021-11-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ADP Inc.
State: CA

Complaint narrative:
After submitting a complaint to the CFPB, # XXXX, ADP responded XXXX paying a portion of the outstanding payments to the IRS and California XXXX XXXX Department XXXX XXXX. ADP promised to pay the penalty and interest charges that were incurred because of the error ADP had made in XX/XX/XXXX. I have sent many emails after the partial payments had been made, but I am getting no response from the company. As noted in the previous complaint, email is the only method for reaching ADP. The penalty and interest charges are still accruing at the IRS. The XXXX penalty and interest charges were paid by me and are no longer accruing, but they should be reimbursed to me by ADP. The combined charges are approximately {$8000.00}. Your agency deemed the case closed after contacting someone from ADP. It is clearly not closed as ADP has only met a part of their responsibilities. 

My intention has been to close my business and associated banking account at the end of this year, as I will be retiring. It is my understanding that ADP needs the bank account open to reimburse me for the penalty and interest charges. This will incur an additional {$800.00} estimated payment to the California XXXX, plus an additional tax return running about {$1000.00} ( based on past charges ). I believe ADP should reimburse me for these costs if they do not reimburse the other charges before the end of XXXX. 

It is unreasonable for ADP to take almost a full year to make amends for their error. I have tried diligently to work with them, but it was not until I contacted the CFPB that some response was made. I assume you can retrieve the details of my earlier complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received an email from XXXX XXXX on XX/XX/XXXX @ XXXX in regards to ID XXXX finding my data in an internet breach. I notified all XXXX credit bureaus today, XX/XX/XXXX to place a fraud alert, and while in contact with XXXX there were XXXX or XXXX inquires that showed up on my credit file that I didn't recognize or authorize. XXXX of the inquiries was for a credit card from Wells Fargo for XX/XX/XXXX, a finance company for an auto lease back in XXXX of XXXX, along with a few other inquiries from companies that I've never heard of/or authorize. I had other compromises with my internet ( XXXX ), home security cameras, and landline home phone all for an attempt to steal/get my information. I received a fraudulent email from scammers through my XXXX account ( XXXX ) the week of XX/XX/XXXX trying to get me to pay XXXX by XX/XX/XXXX on my loan account through XXXX when I don't have a payment due until XXXX, so that attempt failed. I've received several sign in failed notifications that scammers have attempted to get into my XXXX account. I've received/fradulent ( XXXX  ) calls almost daily. My name for my landline phone is not showing up in caller id when making outbound calls for some reason. A random persons name is showing up as being attached to my landline number. I had to change my telephone number with XXXX only to continue getting those fradulent XXXX XXXX  ) calls, and issues with someone else 's name showing up in XXXX XXXX when I make outbound calls from my landline number. I've been working with XXXX  over a year and with XXXX or XXXX representatives/technicians/engineers trying to get the issue with my XXXX XXXX resolved with no resolution.. A complaint has been filed with FCC and FTC. Your assistance on inquiries with the financial institutions that I didn't authorize is greatly appreciated.

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 2021-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: NV

Complaint narrative:
I received a bill for {$79.00} from XXXX XXXX which I believe I did not owe. I submitted a dispute through my bank and XXXX, which I won as XXXX ended up agreeing to the dispute in my favor. After resolving this dispute, however, I was harassed and called by XXXX nearly every single day for several months requesting this same money that they agreed to drop during my XXXX dispute. They have now sent this to a XXXX XXXX called Sunrise Credit Services. I sent the XXXX XXXX the documentation from my bank showing that this had been settled, and they responded by going back to XXXX who told them to ignore this documentation and continue pursuing me for this money.

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 2021-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
MIDLAND CREDIT MANAGEMENT XXXX XXXX BIG XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This information is inaccurate and reporting on my credit resport and does not belong to me. I mailed them asking for validation and they have none. This is a violation to my rights to furnish information regarding my XXXX self. My information was sold to this company and furnishing information that is not true. Again, this is a violation to my rights as a consumer. This is deceptive to my background, my character, and in the way of me getting opportunities for business. This need to be solved immediately. I've reached out via mail and no response but harassing phone calls during my work hours. 

Please have this remove from my credit report. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: Credit Plus Inc
State: AZ

Complaint narrative:
I checked my credit report like I do on a daily basis and realize that credit plus pulled my credit and now I got 2 hard inquiries without my consent I asked credit plus to remove these inquiries which they didn't. Because the inquiries that are on my report is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-26 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: U.S. BANCORP
State: FL

Complaint narrative:
Our first mortgage went into COVID-assisted forbearance in XX/XX/2020 and US Bank automatically included the XXXX in the programs as well. It took 6 months to get them to send us the required paperwork on the first mortgage and we've been repeatedly told there's another relief program coming for our XXXX. 

Then, 2 weeks ago I received notification that my credit score had dropped over XXXX points thanks for US Bank reporting the loan over 120 days past due. THIS IS WRONG! 
I have spent over 25 hours on the phone but have repeatedly been put on hold, transferred, disconnected but even when I finally get through to the right person, no progress, just more misinformation and confusion. 

PLEASE HELP ME! This bank is so incompetent and they are ruining my credit. 

Thanks, 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 2021-11-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written request I sent last XXXX XXXX. However, any modes of response or coordination were not taken on their end. That means, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. I highly appreciate it if you REMOVE these erroneous accounts that still reporting on my Credit Report. Thank you. 
XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$9000.00} // Charge Off XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance - // Late Close XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance -- // Late Close

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: Atlanticus Services Corporation
State: AL

Complaint narrative:
XX/XX/2021 XXXX a.m. 

Aspire Credit ( XXXX XXXX XXXX ) XXXX XXXX I talked to a account specialist named XXXX that works for Aspire. I requested that my card be fit to use for XXXX pay. He told me I needed to send 2 forms of ID, I told him I didn't want to send my info to a random person in a department and didn't see the need to because I've been using the card, I've made numerous verifications and I'm the sole user of the card. Also, I initiated the request to add my card to XXXX pay ; so for my account to be suspended because I didn't want to send my own information shows abuse of authority by a low tier subordinate. I feel I'm being discriminated by aspire because of ethnicity. I'm always having to verify purchases ( usually my card will decline and I have to verify the charge over txt ... .and usually that takes a hour for the txt to come thru to my phone ). It very repetitive and it's not requested. 

Also XXXX is a low tier account specialist ; he shouldn't be allowed to make these type of decisions. His English is way too broken and seems very XXXX in how he structures and forms his words. I could barely understand him. 


XXXX also talked to reps over chat to explain my situation. One had disconnected our chat.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: FL

Complaint narrative:
Our first mortgage went into COVID-assisted forbearance in XX/XX/2020 and XXXX XXXX automatically included the XXXX in the programs as well. It took 6 months to get them to send us the required paperwork on the first mortgage and we've been repeatedly told there's another relief program coming for our XXXX. 

Then, 2 weeks ago I received notification that my credit score had dropped over XXXX points thanks for XXXX XXXX reporting the loan over 120 days past due. THIS IS WRONG! 
I have spent over 25 hours on the phone but have repeatedly been put on hold, transferred, disconnected but even when I finally get through to the right person, no progress, just more misinformation and confusion. 

PLEASE HELP ME! This bank is so incompetent and they are ruining my credit. 

Thanks, XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
As of XX/XX/XXXX Equifax reports a hard inquiry from XXXX XXXX. This is unauthorized. I have not sought out credit or even been to a XXXX store. I am very concerned about possible identity theft and will check into freezing my credit. I want this inquiry removed as it has lowered my score.

Company response to consumer: Closed with explanation