vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-16 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: GA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX &, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: GA

Complaint narrative:
To Whomever This May Concern : My name is XXXX XXXX. I have an account with Discover. I have had this account since XX/XX/2019. I just spoke with a XXXX and she gave me the run around on why I haven't gotten a credit limit increase, why my credit wasn't pulled when I requested in increase and the list goes on. I am not buying it. I am starting to feel that it is a discriminatory practice at this point. My score has sky rocketed. I pay the balance off completely each month. The utilization on my other cards are down under 30 % but yet by Increase continues to be denied. I have a XXXX XXXX XXXX that I received in XXXX. They raised my limit from XXXX to XXXX in XXXX. I have an XXXX card that started me off with a XXXX limit and it has since doubled. I also just got a XXXX card with XXXX and they quadrupled my limit. At this point I am like what is the problem. I have gotten to the point where I rarely use the card anymore because it isn't benefiting me at all. So, I would like someone to look at this issue and I would like for my credit to be pulled to see if I qualify for the limit increase. I look forward to hearing from someone soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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
State: AR

Complaint narrative:
I opened a PayPal account to get my covid 19 direct deposited .Well after a few transactions they lock my account up with no explanation, then when I ask about it they said I can no longer use pay pal and they were going to keep my XXXX dollars or 180 day. 
Now mind you this is government money giving to my family.They need to go to jail for stealing from american families. 



Case # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
This Company has a history of trying to put stuff on the credit report of people they continue to do this to me all the time and I have to waste my time to dispute it on the credit bureau. I went to read their reviews and they are doing this same thing to a lot of people. They need to be stopped I have two good medical Insurance and I do not owe a medical bill anywhere this company is fraudulent. They like to try to put things on peoples credit report to try to get people to pay them they are fraud. trying to collect over {$1100.00} in payment. the name of the company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Phone number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Risecredit, LLC
State: IL

Complaint narrative:
I had been borrowing money since XXXX and was aware that the interest was like XXXX but I borrowed and accepted it so I paid. Last XX/XX/XXXX my mom had a XXXX XXXX and sad to say I had to borrow again despite a promise to myself not be rob again with a consent. Payment has been debited to my account struggling until the pandemic came. I called every credit card and to the other companies I have loans and made arrangements and successfully they were able to accommodate me and was kind enough to follow what the government was saying regarding postponement except RiseCredit. RiseCredit if I remember mentioned having a {$10.00} interest but did not understand that it was daily until I was told by XXXX ( Customer representative ) today XX/XX/XXXX in the evening. She said that I agreed during my conversation last XXXX. I did not understand what was the conversation regarding charging me daily because attached if I am still paying the same amount every two weeks I will not ask for a favor during the pandemic difficulty. I am very sad and furious that I borrowed {$4000.00} and after 9 payments it is even increasing. I need money because I am financially drained. I do not understand all the math that person has been telling me last XXXX but whatever the case maybe it is very unfair to do this to someone who already has a hardship with money. I feel like I am going to kill myself for company like them. Please help me stop this to victimize another people who need help desperately. When you need help and they tell you a lot of things and you are already in trouble yo9u would say yes even if you did not understand. they should not be tolerated to operate this way changing 4, 000 % interest and what they say is " You agreed ''!!! I hope you can help me. If this organization can't help me I will seek a lawyer or won't stop until they are being stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX - XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, US DEPT ED. 
Company Inquiries : XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX/XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX/XXXX, XXXX   XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: PA

Complaint narrative:
I received a letter from XXXX ( XXXX ) reducing my credit limit from {$500.00} to {$100.00}. Because I had never been late on any payment or asked for an increase in the credit limit, I was surprised. According to the XXXX representative, Trans Union listed delinquencies, which cause the change. As a result, my credit score was reduced. 

The information reported by Trans Union was incorrect. I want this form of credit discrimination and injustice reported and corrected.

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 2020-06-16 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have been banking with Chase for the past 10 years. We have business accounts, 6 personal accounts and 4 credit cards. Not once have we been late in any of our payments as we have always had automatic payment set up in all of of our credit cards. I have no understanding as to why we have a late 30 days late payment in our account from 2017. Again, we have automatic payments on all of credit cards and are extremely careful to pay each bill on time. 

We need this to be fixed immediately as we are undergoing lending for our business and can't have an error on my credit file. 

Account Number- ... XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Second Round Limited Partnership, Austin, TX Branch
State: NY

Complaint narrative:
Someone got my XXXX XXXX card and used it, Ive been trying for a very long time to Disput this account, which they had removed the negative items from my credit report and then put it back, this is very unfair to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
This seemingly illegitimate debt collection company has repeatedly called me even after I have told them not to call me and to only send mail correspondence. The debt collector was extremely rude and offensive. I asked for a settlement offer and the agent on the phone was very demeaning and said that I had to pay the full settlement immediately on the same day or that it would be void and that I would not be offered a settlement amount again. I told her that I absolutely want to pay the amount offered, but that I wanted something in writing prior to paying that amount as proof that they were going to accept that said amount to settle the account out. She refused to email me something and said that they could only mail me something which would in turn void the settlement offer that she was offering me. This is shady business practice and I don't feel comfortable paying a company that operates in this fashion so I attempted to contact the hospital where the bill was incurred and they informed me that they could not recall the account and that I had to deal directly with this shady collection agency. From what they've been putting me through I do not feel obligated to pay this debt and would like it removed from my credit report immediately. Please let me know the steps to take from here. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: NY

Complaint narrative:
Someone got my XXXX XXXX card and used it, Ive been trying for a very long time to Disput this account, which they had removed the negative items from my credit report and then put it back, this is very unfair to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have disputed a bankruptcy showing on my Experian credit report about 5 times each time Experian avoids validating the bankruptcy once they stated the information was from US Bankruptcy counts I contacted the courts and I have Proof attached that they DID NOT provide this information to Experian ... XXXXI also received a copy of my credit report where Experian states the source of the bankruptcy is XXXX XXXX I have enclosed proof from XXXX XXXX that the bankruptcy not come from them ... .Experian closed my previous dispute I file on your website by stating the information appeared not to be from me although I provide my photo Id with address and supporting documentation this is Experian way of not complaining .... 
Enclosed letter from bankruptcy courts Letter from XXXX XXXX Photo ID Copy of credit Report Previous dispute 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 2020-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
During year XXXX to XXXX I had Business account with Citi bank Citi bank opened up several accounts on my business name. when I pay the charges it goes to different account and loan amount shows the same amount remaining. 
I have all statements and account available. Citi bank sued me for {$47000.00} they got the judgement I do not have money to represent my self But I do have all fraudulent papers to prove wrong accounts open and how the bank officers made fraudulent transactions.

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 2020-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
To who it may concern, My name is XXXX XXXX. This is my second complaint. I made a purchase of {$500.00} on XX/XX/24. I followed the size chart they have and received clothes that did not fit. I then decided to purchase a shipping label from them. I shipped the clothes via USPS on XX/XX/XXXX. I still have not received my refund. I filed a dispute with Wells Fargo on XX/XX/XXXX and called on XX/XX/XXXX for an update and was told I had no dispute rights. This is completely unfair I am now not in possession of my money or of the clothes.

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 2020-06-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Someone got my XXXX XXXX card and used it, Ive been trying for a very long time to Disput this  account, which they had removed the negative items from my credit report and then put it back, this is very unfair to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: NY

Complaint narrative:
Someone got my XXXX XXXX card and used it, Ive been trying for a very long time to Disput this account, which they had removed the negative items from my credit report and then put it back, this is very unfair to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I tried connecting to a company that needs access to my pnc account. It's not allowing access.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: MI

Complaint narrative:
The company Procollect , INC has placed a collection on my Credit Profiles for a lease that I never had. I've never lived in XXXX, MI and they can verify that from my credit reports and my driver 's license that is registered in XXXX, MI. I've tried repeatedly to get these people to send me proof and evidence of my debt but they refuse to send me anything and refuse to settle or remove this so called obligation. I do not owe this amount period.

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 2020-06-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2020, I called Kohl 's to find out what the pay off on my account would be. Unfortunately, I had been delinquent in payments due to divorce finances. I spoke to a Kohl 's representative who removed some late charges and told me the new balance. The representative took my payment over the phone via my debit card. To my disappointment, I discovered Kohl 's had charged me a {$1.00} on my account despite the payment of {$1300.00} being payed immediately to the representative over the phone. I discovered when my credit report that Kohl 's showed an outstanding balance of {$1.00} that was now showing 90 days delinquent. On XX/XX/2020, I called Kohl 's financial services and spoke to both a representative and supervisor. A case was opened by Kohl 's to investigate this {$1.00} discrepancy. On XX/XX/2020, I followed up on the investigation with Kohl 's. When I called the automated system told me my account balance was {$0.00}. The representative I initially spoke with, told me the investigation was resolved and a letter was sent to me on XX/XX/2020. I explained the letter had not arrived and requested another copy be sent. I was told be the representative she could not send another one. I asked to speak to a supervisor. The supervisor told me the case had not been resolved and the first representative did not read the codes in the computer system correctly and that even though Kohl 's had " reversed '' the {$1.00} interest charge the case was still open and not resolved, therefore, they had not sent a letter saying they were in error. I requested to speak to this persons supervisor and was disconnected in the process and sent to the Kohl 's customer satisfaction survey. At this time, I have not received any documentation from Kohl 's admitting their error! This {$1.00} error on Kohl 's part continues to negatively impact my credit. I could sure use some help in resolving this issue. Thank you!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have been banking with XXXX for the past 10 years. We have business accounts, 6 personal accounts and 4 credit cards. Not once have we been late in any of our payments as we have always had automatic payment set up in all of of our credit cards. I have no understanding as to why we have a late 30 days late payment in our account from 2017. Again, we have automatic payments on all of credit cards and are extremely careful to pay each bill on time. 

We need this to be fixed immediately as we are undergoing lending for our business and can't have an error on my credit file. 

Account Number- ... 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 2020-06-17 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: NY

Complaint narrative:
I have been banking with XXXX for the past 10 years. We have business accounts, 6 personal accounts and 4 credit cards. Not once have we been late in any of our payments as we have always had automatic payment set up in all of of our credit cards. I have no understanding as to why we have a late 30 days late payment in our account from 2017. Again, we have automatic payments on all of credit cards and are extremely careful to pay each bill on time. 

We need this to be fixed immediately as we are undergoing lending for our business and can't have an error on my credit file. 

Account Number- ... 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 2020-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AR Resources, Inc.
State: NY

Complaint narrative:
ARS Services has posted a wrongful collection account that does not belong to me. This has been reported to credit bureaus and I have attempted all mediums to explain that the account was for someone that I do not know. Finally, I spoke to someone in their company and she assured me that it would be deleted as it was obviously not mine and still showing on credit file. This is making it impossible to get the lending needed for my business and affecting my live in a negative manner. I ask that they please do the right thing and delete this false collection from my report.

Company response to consumer: Closed with explanation