vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: IL

Complaint narrative:
i got call from XXXX dated XX/XX/2019 requesting some information about my account, which i answered all they asked me to visit the branch to submit some documentation which i did on XX/XX/2019 to XXXX XXXX IL US bank branch, where i submit all information needed, yet i got call from same number on XX/XX/2019 for same reason, again i visit the same branch on XX/XX/2019 where they told me there is nothing needed from my end, later i found our that my account was on hard block since XX/XX/2019 for no known reason even for the branch manager, later o call from the same above listed number asking the same question which i gave all the needed answers, and again i visit the same branch on XX/XX/2019, later i got answer from the same bank stating that i did not submit the requested documentation ( see attached file ) which is totally wrong from the above mentioned facts and based on my routinely visits to the branch and my complies to all their requests it shows clearly that this bank is having racist discrimination towered me based on my nationality which clearly visible based on their actions verse my replays

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 2019-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I applied for Victoria Secrets card and made purchases and received products I have yet to receive card. I have made a payment but have not received the card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Personal information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
Unfortunetly I never signed any of my information on a contract for this vehicle. The owner of the vehicle let someone else sign my information.

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 2019-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
The person I've had problems with was a short time ; between XX/XX/2019 - XX/XX/2019. He's another person I had deals agreed to and after the services were agreed upon and completed, with payment, my money was taken from me through PayPal 's scammy Chargeback system. 
For this person my transactions were : XX/XX/XXXX - {$32.00} ( including country fees ) XX/XX/XXXX - {$32.00} ( including country fees ) XX/XX/XXXX - {$54.00} ( including country fees ) The main problem I have is with PayPal, this is the 2nd time within a year that I have had problems with them and their inconsistent system. I paid these people for services that were agreed upon before and then months after I'm magically having money taken away from my account. After contacting PayPal for months on end I kept getting the same, " We'll continue to look into your situation with no resolution ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: NJ

Complaint narrative:
I sent a letter to dispute this account as well as validation .... no validation was sent as to prove 100 % accuracy. I recieved no copy of charges of the bill, signature and/or social attachment proving this account belongs to me. Since they failed to provide any proof : 1.Assignment clause 2. Notarized letter of debt purchase 3.Signed contract from original creditor 4. Show proof they have the legal right to collect in my state.

Not only that, that is a violation of HIPPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
It started on XX/XX/XXXX and concluded on XX/XX/XXXX. The problem started when my former associate and I were exchanging services for payments. I agreed to do the services he requested in exchange for equal value, and it was going smooth up until the week of XX/XX/XXXX. He started saying that he didn't have to do the things I asked him to do and kept making excuses up until XX/XX/XXXX when he blocked me after he got the money from PayPal 's chargeback system. I have pages and pages of conversations of him and I agreeing to the past deals in question and doing the services. 
Transaction dates : XX/XX/XXXX - {$80.00} XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX - {$50.00} I can provide screenshots of the PayPal conversations and conversations with the individual in question if needed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
i have tried to open accounts in the past and theres some type of fraudulent activity on my 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
Consumer complaint received 2019-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Was approved for an XXXX store card and made purchase of approximately {$50.00}. Was unable to pay balance for several months due to not having credit card which was never mailed to me. Tried several times to get card number so I can pay it off online. After several months, credit card finally came in the mail. Paid it off completely. Meanwhile credit score went from XXXX, down to 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 2019-10-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I've done two disputes for XXXX and XXXX since XXXX. Saying this was not my debt I have no knowledge of this account this account isnt mine. And initially it came off my credit report all the way in XXXX or XXXX. It should not be back they are old debts. That now XXXX wants to put back on my credit as new debt and it's not it's been off my credit for years. And for them to add it back in XXXX is a disgrace knowing that it has been removed and you update the information to make a new account or debt is wrong. Please go back and investigate that these are the same debts previous that came off and should remain off.

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 2019-10-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 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: CITIBANK, N.A.
State: CA

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 DSNB MACYS has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, 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 2019-10-25 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: SYNCHRONY FINANCIAL
State: CA

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 Credit Union has been reported completely in accordance with the Fair Credit  Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, 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 non-monetary relief
Consumer complaint received 2019-10-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NY

Complaint narrative:
I HAVE SENT THIS COMPANY A NOTICE OF EXEMPT INCOME FOR TWO CHARGE OFF DEBTS PDF ENCLOSED THEY HAD BROUGHT AND PAID FOR. I AM REQUESTING AN ANSWER TO MY NOTICES THEY HAVE NOT YET FORMED ME OF WHAT THERE INTENTIONS ON DOING WITH THESE TWO DEBTS ARE THEY CLOSING THE ACCOUNTS AND NO FURTHER COLLECTIONS ARE THEY GOING TO SELL THE ACCOUNTS BECAUSE THEY CAN NOT HAVE A COLLECTION ON MY FUNDS ARE EXEMPT THEY HAVE TO WRITE ME A LETTER STATING THEY CLOSED THE ACCOUNTS I NEVER RECEIVED A DUNNING LETTER FOR THIS DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously I had an issue with 2 XXXX XXXX cards i was fighting for years showing late payments. I finally got it resolved through the CFPB. XXXX  XXXX sent a letter to contact all 3 credit bureaus saying that I paid on time and should have no late payments on either account. They all updated INCLUDING Equifax ... But I had a current open " dispute '' for the accountants going with equifax. So the information was updated to show on time payments as requested by XXXX  XXXX for both accounts, then EQUIFAX CLOSE THIER DISPUTE AND REUPDATED IT TO SHOW BOTH ACCOUNTS LATE AGAIN! I called and no one seems to understand or listen to me. Neither XXXX XXXX account should show any late payments as requested by XXXX XXXX via written proof through CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In my Annual Credit Report from Experian, they have depicted the same previous address twice. One of the addresses is misspelled. When I had filed the Online dispute and had asked them to remove this redundancy - their " Update '' depicts the exact same error " XXXX XXXX, XXXX, GA XXXX ''. The only way to correct their lack of efficiency is to bring it to your attention.

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 2019-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
XXXX XXXX  sold account to XXXX XXXX XXXX XXXX XXXX XXXX. Took legal action and served me with judgement. In XX/XX/2017 served Wells Fargo and took {$1200.00} out of my account. They still took action and took my daughters account at the XXXX XXXX XXXX XXXX  without serving me paper work till after it was taken out a week later then the bank. The still after multiple phone calls and nasty attitude they had went after a judgement while I was employed with XXXX XXXX XXXX XXXX and where taking XXXX every two week for four months. They have received more then the amount requested. Legal action is next step with this company

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 2019-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
Lnv funding sold account to XXXX XXXX XXXX XXXX XXXX XXXX. Took legal action and served me with judgement. In XX/XX/2017 served XXXX XXXX and took {$1200.00} out of my account. They still took action and took my daughters account at the XXXX XXXX XXXX XXXX without serving me paper work till after it was taken out a week later then the bank. The still after multiple phone calls and nasty attitude they had went after a judgement while I was employed with dairy farmers of America and where taking XXXX every two week for four months. They have received more then the amount requested. Legal action is next step with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
I took a mortgage in XX/XX/XXXX with a bank. In around 2 months they sold my account to Loancare Service Company ( XXXX XXXX XXXX XXXX ), and everything was ok up until my property taxes for XX/XX/XXXX were not paid on time. I called loancare in XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX this year,XX/XX/XXXX and all they told me is they will take care of it, they are waiting for the county tax office to send or give them the bill. I pleaded with my lender, loancare to just please pay my property taxes, they did not. In the meantime, the county office were adding late fees and interest and sent my bill to collection agency. I kept calling loancare and sent the letter from the attorneys office about not paying property taxes possibly foreclose on my house. Finally loancare paid the property taxes in XX/XX/XXXX the whole amount including late fees and penalties, now loancare is saying am responsible for paying the late fees and penalties. Loan care is refusing to take responsibility of the late fees and penalties added to my property taxes. I think and believe that am not responsible for paying late fees because I have an escrow account on my mortgage and have been notifying loan care since XX/XX/XXXX to pay for property taxes. My mortgage went form {$1700.00} to $ XXXX/month.

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 2019-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX, I received health care services from a hospital provider and provided them with my proof of having two insurances, a primary and secondary. The hospital provider made copies of my two insurance cards front and back. When the claim for XXXX XX/XX/XXXX was sent to my primary insurance by the hospital provider, the total amount due was {$2200.00}. My primary insurance paid {$1200.00} on XX/XX/XXXX. This left a balance of {$310.00}. However, this hospital provider has refused to send a claim to my secondary insurance company which is XXXX. On XX/XX/XXXX, I sent this hospital providers billing department an email letting them know that I had spoken to XXXX and was aware that they did not submit a claim to XXXX. There was no direct response. On XX/XX/XXXX, I called this hospital providers billing department and spoke with XXXX regarding my balance and provided my secondary insurance information again. However, this hospital provider refused to bill my secondary insurance and took adverse action against me by having their collection agency, Aargon Agency Inc post that I owed the hospital provider {$300.00} on my consumer credit reports. I believe this unfair business practice by the hospital provider will have long-standing negative effects on my financial status and credit worthiness. I also believe they knew or should have known that XXXX would have discounted or paid the remaining balance off in full since I am a protected class.

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 2019-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I have had a Citi AAdvantage Platinum Select credit card since XX/XX/XXXX, if I remember correctly. One of the benefits promised by this card is a {$100.00} voucher for XXXX XXXX, awarded annually as long as you met a {$30000.00} spending threshold within the account year and renew the card for another year. It has recently occurred to me that I have not received this benefit since XX/XX/XXXX. I have spoken to a friend who has the same card and he too has not received this benefit in recent years. I have contacted the credit card company via their online chat, their corporate XXXX account, and their call center on XX/XX/XXXX to seek a resolution : they have been unable to determine when my last voucher was issued and have been told to initiate a dispute with the airline and transferred me to the airline. Since my credit card is a deal between me and Citi, I believe it is their responsibility to resolve this situation.

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 2019-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MN

Complaint narrative:
I paid my mortgage in the amount of {$1000.00} on XX/XX/19. The payment shoyld have applied and posted on XX/XX/19. My statement, online system, and phone system all state the payment posted on XX/XX/19. I called SPS Servicing on XX/XX/19 to complain and phone reps assure me verbally that payment properly posted on XX/XX/19. I do not believe them because SPS Servicing is a 3rd party payment processing company that I have no written agreement with and I do not trust them. I want to end my relationship with SPS Servicing and go back to 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 2019-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2019 amount owed {$1900.00} XX/XX/2019 amount increased {$2300.00}

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 2019-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
i cant open any kind of a account in any bank b/c it states i owe money to banks witch i dont owe nothing i had my id taken in the earliy XXXX in XXXX pa when i then tryed to open a bank account there when it stated i had one with them and owed a fee here to come find out it wasnt me it was a man who used my ssn in florida and the bank tryed to solve this at the time and coundent now the bank is no longer around but yes kids have taken my car from XXXX pa and all my purse and id was taken and anyone now can get your info online for a fee but im telling u its not me i cant get nothing im not a young chicken XXXX XXXX XXXX captured his first ever XXXX XXXX XXXX XXXX victory this past season with his teammate XXXX XXXX. After his championship victory, is it time to put XXXX among the greatest drivers in the modern era of racing?

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