vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-10 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: Freedom Mortgage Company
State: TX

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2020-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
This is the second time this has been done to Mrs XXXX by this bank, they have marked her payment as missing or past 30 days late both times now falsely. The one that was marked in XXXX was paid w the rep and marked as 30 days past due over {$2.00} when the payment that was made was made with a rep they did the math removing the late fee and then told Mrs XXXX what to pay. 
This incident alone in XX/XX/2020 dropped Mrs XXXX credit 50 points due to no fault of her own. Now it is showing that XXXX was marked 30 days late and dropped her credit yet again but XXXX was fixed. The payment in XXXX was made on XX/XX/XXXX the due date is the XXXX Mrs XXXX has been informing this company the XXXX is not possible since the pandemic has started and has requested her due date changed multiple times on a recorded line since XXXX and its now XXXX to no avail they keep hitting her with late fees at this point it seems purposely Mrs XXXX has an amazing history w this company and her cards her frontier card limit went from {$1000.00} to {$9000.00}, the account didnt start to have issues until The pandemic has hit and again to NO FAULT of her own. Barclays will be lucky if they dont receive a lawsuit for the amount of my refi that I lost due to their company doing illegal and unethical things to me like fraudulently reporting my XXXX payment was late ruining my credit for no reason at all or marking on my credit report a payment missing of less then one percent of the payment that was given and again paid with by your rep. If it were the other way around I would have penalties and consequences why would Barclays not

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 2020-11-10 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: GA

Complaint narrative:
Over the past several months I have requested the method of verification to validate the debt on Acct # XXXX with any evidence bearing my signatures showing that I have some contractual obligation to pay any debt. Letters were sent to the Bureau XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They have failed to do so and only send information back stating the account has been validated. It shows that this is a closed account but it is still reporting late payments.

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 2020-11-10 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: AZ

Complaint narrative:
On XX/XX/XXXX I paid off a collection XXXX XXXX XXXX  in the amount of {$330.00}. They agreed to report to all 3 major credit bureaus that the account was " paid as agreed '' and to have to have it permanently removed from my credit report. So far the only bureau it has been deleted from is XXXX XXXX. Equifax and XXXX  it is still showing as UNPAID. I have called the collector and the amount was paid on XX/XX/XXXX. It's almost been a month and I would like to have this trade line permanently REMOVED from Equifax and XXXX. I have a attached 4 documents. ( 1 ) A photo copy front and back of check, ( 2 ) a screen shot of USPS proof that it was delivered, ( 3 ) a screen shot from Equifax showing it is STILL showing on my credit report, ( 4 ) and a screen shot from XXXX  showing it is STILL showing on my credit report. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have a Chase Amazon card. I can not talk to them without revealing my age and being subjected to abusive advertising practices. So I have disputed charges and wanted to call and talk to them, but they won't put me through unless I reveal my age. That is age XXXX. The credit card company already knows my age, but they are trying to force me to reveal it to Amazon, so I can be bombarded with unwanted solicitations and abusive advertising. 

This is age XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony bank is taking advantage of the size of their company saying they cant find things i was told to send directly to their fax or email, telling me they are unaware of what the right hand tells the left when there are clear notes. I will speak with someone who tells me they are working on my dispute personally and then when i call in never be able to speak with them again.. I am told to send documents then they say they can not find them or its illegal to check the emails i sent. I Was sent 10 statues by XXXX in the amount of XXXX I did not order, from XXXX. I reported fraud, they said it was not fraud but a dispute, I provided them with multiple proof that the original vendor attempted to refund the monies and that I did not order the item, I provided it in every format possible and that was requested of me, I even did a conference call where the two companies discussed and agreed the monies were not due. 
Synchrony is now attempting to force me to pay for these items i do not want and never ordered ... They are refusing to honor the dispute or the refund processed and attempted to be processed multiple times after.

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 2020-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: NY

Complaint narrative:
Ic systems sent me into collections. I never recieved a phone call or notice by mail or attempt to collect debt. When I attempted to dispute through XXXX, I was told they have my correct phone number and mailing address on file. If so why did I receive no correspondence. XXXX  went onto to say debt was valid with no proof or documentation sent to me via mail date XX/XX/20 collections started. Ive made multiple attempts since then to get verification of debt for a XXXX XXXX  bill totaling 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 2020-11-10 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: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/2020 Discover Financial Services placed an inquiry on my report. I responded to a Pre-Approved offer by XXXX that stated that my credit report would not be effected. I did not authorize Discover or XXXX to place this inquiry in my report. Although XXXX  guaranteed that my report would not be hurt, it was done against my will. 
I have tried contacting Discover numerous times by phone but no one answers to my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Avant Credit Corporation
State: FL

Complaint narrative:
I applied for credit card with Avant and was approved online. To send my card they wanted a photo of my drivers license, verify my phone number and email. I submitted all the requested information and then was prompted to 'take a selfie '. I was having trouble taking the selfie and called the company to express my frustratihotoon. The representative I spoke to could not help me and ask if I wanted to close the application to which I replied NO I would figure out how to provide the requested information. 

I called back and got a different representative that was able to help me. Together we were able upload the requested information. As soon as I uploaded it I got an email from Avant that says I was declined. This was AFTER they said I was approved. 

I don't mind not getting the credit card but I am furious that they took ALL my personal information and did not give me the card. There was no reason for them to request my verification to make a decision about giving me the card. It is quite apparent that they 'changed ' their mind after receiving my photo ID, verified my phone number and email address AND got a photo of me by a selfie. None of that was needed to make a decision and I would only have sent that because they told me I was approved. What are they doing with personal information from people that do not have an account? This needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Legally disputed items on my credit report to the 3 credit bureaus, have not heard back from Equifax OR XXXX  in 55 days from day dispute sent. 

Sent on XX/XX/XXXX CERTIFIED XX/XX/XXXX still no response

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC.
State: LA

Complaint narrative:
Company was fully paid by XX/XX/2016 yet fraudulently added interest charges to my account which were not proven to be owed. They now report my account as a charge off every month when they received full pay off value for my car

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello. This complaint is against XXXX Bank of America debit card services. On XX/XX/2020 i made a withdraw for XXXX. At this time i noticed my account was XXXX less than it was the previous day. I contacted the number on the back of my XXXX card and had my account suspended, new card issued. The CS agent brought to my attention 2 transactions made at a XXXX XXXX Atms. On XX/XX/XXXX and XX/XX/XXXX. One for XXXX and one for XXXX. I did not make these withdraws. These are fraudulent. I called Monday XX/XX/XXXX and was on the phonr for 12 hours. XXXX to XXXX PST. I spoke with many CS agents and only 2 claims agents. Both claims agents told me they could only issue new cards. They did not handle disputes or fraud claims. I was also given a bogus phone number by an agent saying it was the correct number to call for fraud disputes. At this point, I feel that something strange ia going on in the claims department. Unprofessional. I just want to submit a dispute for my XXXX  that was stolen from me. My question is. How can Bank of America XXXX services get away with this? Refusing to even look at my account withdraws claiming they cant dispute claims in the claim dept?? I also emailed them. And they emailed me back saying they couldnt help me. 
Thank you, 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 monetary relief
Consumer complaint received 2020-11-10 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: FL

Complaint narrative:
On XX/XX/2020 XXXX XXXX XXXX placed an inquiry on my report. I responded to a Pre-Approved offer by Experian that stated that my credit report would not be effected. I did not authorize XXXX or Experian to place this inquiry in my report. Although Experian guaranteed that my report would not be hurt, it was done against my will. 
I have tried contacting XXXX numerous times by phone but no one answers to my calls.

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 2020-11-10 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: WA

Complaint narrative:
Legally disputed items on my credit report to the 3 credit bureaus, have not heard back from XXXX OR Transunion in 55 days from day dispute sent. 

Sent on XX/XX/XXXX CERTIFIED XX/XX/XXXX still no response

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 2020-11-10 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: FL

Complaint narrative:
This is my final request about your responsibility to remove accout which is not mine. 
Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FCBA, FCRA, and other federal statutes. I look forward to a timely and amicable resolution to this matter.

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 2020-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ResidentCollect, Inc.
State: LA

Complaint narrative:
Innovative Recovery Inc keeps trying to collect {$1800.00} on debt that doesnt belong to me. Ive disputed this information a few times a fraud and they wont remove it from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: NRA Group, LLC
State: MD

Complaint narrative:
Called the debt collection company that appears on my credit report at the number provided. After providing the account number shown on the credit report, personnel at the company could not discuss the account with me because the account is NOT IN MY NAME. I asked why it is on my report? Personnel and a manager could not tell me anything about the account because my name is not on it. 

I then called the original creditor as shown on my report -- they could not find a delinquent account in my name. I was able to determine the name on the account is that of my sister, with a similar name. 

The debt collector acquired that delinquent account and associated to me in error and won't remove it. I have filed dispute with credit agencies and the debt company keeps reporting the information as correct.

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 2020-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK
State: CA

Complaint narrative:
I applied with a fico over XXXX points and not any debts aside from XXXX in student loans - i pay off balances within a month of any credit charging -- i applied for a 0 % for 14 months interest discover it card - it is ad on website as such but found out 6 months later i was approved for something entirely diff - a card with 0 % for 6 months and cash transfers for 18 months free of interests. 

I never needed or applied for this type of card the ad said 0 % for 14 months. 

Upon calling discover I was treated like a serf by each supervisor and even had my acct closed without my approval. I had told them to hold off as I now had to see how their XXXX up was going to rake amuck on my credit report with dings. 

This company is awful. 

Awful service - awful ads they don't hold to when you apply for ... .I will never do biz with this co again Apparently having excellent credit and always paying taxes, and bills does nothing for you with Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
XX/XX/2020 ( {$25.00} ) : Paid seller via Venmo {$25.00} for a product. 
Seller substantially misrepresented and falsely advertised the product/ did not provide what was purchased. Seller has refused to refund or provide the product that was purchased. 
XX/XX/2020 : Opened chat support with Venmo agent XXXX XXXX for support ( ticket # XXXX ). Was informed Venmo would reach out via email if any information was necessary, but no other information was provided. 
XX/XX/2020 : ( {$25.00} ) : Transaction from Venmo posted to my checking account, withdrawing {$25.00} from said account. 

Seller committed fraud. 
Merchant ( Venmo ) offered no apparent protections for the purchasing/sale of goods via their platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: FL

Complaint narrative:
BSI Financial services failed to record my " Release Of Mortgage " on my fully paid loan back on XXXX. As a result I can't sell my property. 
BSI Financial services failed to record my " Release Of Mortgage " on my fully paid loan back on XXXX. My lawyer sent the attached letter back on XX/XX/XXXX. They never filed the release. As a result, I can't sell my property now. My realtor, my lawyer and myself in several occasions have contacted BSI Financial services to resolve this issue, but none seams to care. We have been told many times to wait for the file to be researched, but that's all we have been able to get. I need to sell my property as a result of financial need. I have had the attached contract since XX/XX/XXXX. Please that's a lack of responsibility on an issue that can be solve in less than 10 minutes. PLEASE, PLEASE I NEED YOU TO FILE " Release Of Mortgage " on my fully paid loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: TX

Complaint narrative:
XXXX XXXX XXXX  recently reported my balance as being over limit and at XXXX dollars. This is not accurate as I made a payment of XXXX dollars before this information was sent. Please correct this information per FCRA guidelines.

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 2020-11-10 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I see multiple 30 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 response to consumer: Closed with explanation