vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Good morning I am so tired of being the credit bureaus victim. It seem as if because I disputed fraudulent accounts and inquiries that XXXX amount others continue to allow to happen XXXX took it upon themselves to delete all the erroneous items It seem as if because I disputed fraudulent accounts and inquiries that XXXX  amount others continue to allow to happen XXXX  took it upon themselves to delete all the erroneous items as well as negligently and maliciously removed all my accurate accounts now. Now I contacted all the credit bureaus including changing it Experian and was told that XXXX sent out these reports to themand maliciously removed all my accurate accounts now. Now I contacted all the credit bureaus including changing it Experian and was told that XXXX  sent out these reports to them. How can I as a consumer seek help from the consumer finance protection bureau and I'm not protected just because I know my rights and won't let the bureaus take a vantage   of me they basically destroyed my dreams of being a homeowner asked for. How can I as a consumer seek help from the consumer finance protection bureau and I'm not protected just because I know my rights and won't let the bureaus take a vantage of me they basically destroyed my dreams of being a homeowner asked for as for the action it cost me to lose my ability to buy my first home as well as losing my {$15000.00} that was sitting in escrow so you tell me how XXXX   XXXX  mad should I be. I have recently paid off my account with perfect history my XXXX  XXXX XXXX my XXXX  XXXX XXXX card as well as my XXXX XXXX XXXX they maliciously deleted those accounts on purpose to spite me. I contacted XXXX XXXX and with all these cases and they told me that XXXX  would have to send documentation showing it was added back on which XXXX  in return said they are not liable for the mistake that they created if it was at all a mistake which I wholeheartedly believe it wasn't.. 
XXXX  ALSO REMOVED AND SENT TO XXXX  AND EXPERIAN TO BE REMOVED A PAID OFF VEHICLE FROM XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX  -WHICH ALL THESE ACCOUNTS HAD PERFECT HISTORY XXXX BALANCES NOW U TELL ME THIS WASN'T DONE TO DELIBERATELY HURT ME. 
The crazy thing of all was that they let the fraudulently inquiries stay on my credit as well as the inquiries to the accounts that they took off which absolutely makes no sense by the rules of the fair credit reporting act. I DEMAND JUST TO BE TREATED FAIRLY I FEEL LIKE IM BEING XXXX PROFILE WITH THE INTENT TO HARM MY BEING AND CHARACTER AS A PRODUCTIVE MEMBER OF SOCIETY.

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 2020-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: LA

Complaint narrative:
Cavalry Portfolio is attempting to collect a debt they allegedly brought from XXXX XXXX XXXX. I requested that they validate the debt and send me a signed contract or any proof that the account belongs to me. They have not sent me any documentation that the account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Each year, I request and receive a free annual credit report via https : XXXX from each of the 3 major credit reporting companies. Today, XX/XX/XXXX at around XXXX, I tried to get my free report from Equifax. I never have problems getting my report electronically from either XXXX  or XXXX, but each year Equifax requires that I put myself at increased risk for identity theft by sending in a paper form along with a great deal of SPII. Last year I filed CFPB Complaint Number XXXX about this same issue. I am attaching a screenshot of the first page of my XXXX Equifax credit report to help verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
I received three separate " collection '' letters from the is company with the same account number with three different balances owed all dated the same day. 

They claim they are attempting to collect a debt on behalf of the XXXX but I do not have an account with the XXXX. 

I have toll tag account with XXXX and am charged for all my toll fees through it. I have had the XXXX  account since I registered my car in XX/XX/2018. 

I contacted them to dispute the debt and they told me to contact XXXX to find out why they have bad information. 

It is not my responsibility to figure out why this company is illegally collecting on a debt. 

Sending the three letters on the same day with different amounts is a very clear violation of UDAAP on top of the violation of not validating the debt as required by federal law.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc.
State: TX

Complaint narrative:
This company has been harassing me on and off for years now. 

I thought last year after the Texas Attorney General got involved they were going to stop but last week I received another bogus collection letter from them. 

This time they claim I owe {$16.00} for an unpaid XXXX account. 

They are very aware that I do not have an XXXX  account. They have been told this by me and the Texas Attorney Generals office yet the continue to harass me. 

The have a different account number this time which is a pretty clear indication they are violating UDAAP as well as other federal laws. 

I have attached their most recent bogus letter as well as my response to them from XX/XX/2019 and the Texas Attorney General complaint information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc.
State: VA

Complaint narrative:
I recently went to purchase a new XXXX vehicle only to find that I was denied due to an error on the part of GM Financial by not accurately accounting for the last lease payments I made in the amount of {$1300.00} on XX/XX/XXXX, which was a day after I turned in the old lease and was the amount I was told I needed to payout to close the lease. As you can see from the attached, on page 1, second item down, I pulled all of XXXX 's electronic payments from my bank and I am in receipt of an electronic payment ( with confirmation code ) from my bank that shows payment of {$1300.00}. Also included on page 3 of my monthly bank statement shows payment made to GM Financial on XX/XX/XXXX in that same amount. 

I have requested, multiple times, that GM Financial immediately correct this error and close this account, contact all three credit bureaus and restore my standing in good faith. 

I also received a credit denial ( attached ) as a result of this action which has destroyed my credit in the process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Good Morning, I have been with my Barclays Bank Credit Card company for 10 plus years and have never missed a payment or been over 30 days late, never! In XXXX of 2020 during the height of COVID, my job was in jeopardy and I was not completely focused on other issues. I sent {$420.00} to the credit card for payment. Apparently {$460.00} was due and I didn't realize it. In XXXX when I sent the bill, it was a few days late and they received in XX/XX/XXXX I believe. Well that put it over 30 days late for the {$40.00} from XXXX. I asked Barclay 's Bank for forgiveness and to take this off my credit report. My credit score was XXXX and it is now in the mid 600 's because of an honest mistake during a world-wide pandemic. They refused to take it off and said it was due to the integrity of the credit reporting. Again, we are under this global crisis and I have never been late with them. They refused via letter and I followed up and got a call from someone in customer service and he refused also. I made the point, if I asked originally for forebearance, this would not have been an issue, but again, my job was in jeopardy as my hours and salary were cut. I did lose focus on other things, but due to my long history of payments with them, I thought someone could help with a good will adjustment to take the late off my credit report. They refused. I am now begging you for assistance to see if they can take this off. It i basically a {$40.00} mistake by a few days over 30 days during this world crisis and they are not helping. 

Thank you.

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 2020-07-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX, I logged into my XXXX credit monitoring account, in response to an email alert that I received on XX/XX/XXXX. XXXX showed that a new account had been opened using my information with Capital One 360 on XX/XX/XXXX. XXXX Screenshot of alert attached. ) I contacted Capital One 360 on XX/XX/XXXX at around XXXX XXXX  Eastern, and they confirmed that an account had been opened for a minor, and that my SSN had been associated with the adult co-signer on that account. Because all of the other personal information was not mine, they said that most likely there was an input error of my SSN, which is a reasonable possibility. They told me that they closed the account immediately and will reach out to the customer to get updated SSN and identity verification. All of that is reasonable. 

My complaint is that I have had long-term security freezes XXXX since XXXX XXXX on my credit reports with XXXX, XXXX  and XXXX  due to a prior identity theft. Capital One 360 opened an account using my SSN, even though the security freezes were on my account. Capital One 360 would not tell me their process for verifying information before opening new accounts, but the fact that they made the error in opening the account suggests that they either did not check with the credit reporting agencies to ensure that my credit was not frozen, or they ignored the fraud alerts/freezes when opening the account. 

I will be glad to provide further identifying information if needed, but because I do not have a Capital One 360 account number, and because the customer account was not opened using my address, I am unable to provide that information requested by the CFPB. I have, however, attached a document that includes the last 4 digits of my SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc

Complaint narrative:
On XXXX of XXXX paypal limit 2 of my account permanently for 180 days. all effort i tried to reach them proof abortive when they manage to reply me all they will tell me is there decision to limit my account permanently is final. this they did with my fund inside it in fact they ruin my business for almost the past 172 days i haven't done any business online in fact they live me with big debt only for them to later comply to me after reporting through XXXX, they allow me to withdraw from one of my account with the limit in place when i start complain for the other two, they ask me to write them through the email i used to create those account only until XXXX of XXXX they clear the {$110.00} USD have inside that account they term it a payment for damages this they do without my consent. they never send an email to me before doing it and that fund am hoping to use it pay my landlady because my rent has been overdue for 2 months and i have make promise to hear to pay at the end of the month, this didn't stop there after charging without prior notification my account they still left it frozen i have tried to reach them without reply i will appreciate it if you guys will intervene on this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: Freedom Mortgage Company
State: IN

Complaint narrative:
We have been trying to refinance our mortgage since XX/XX/2020, unfortunately we could not close until XX/XX/2020. The title company sent a wire transfer on XX/XX/2020, but did not get the dead line in time. I called Freedom Mortgage Customer Care on XX/XX/2020 spoke with XXXX, she assured me that if the wire transfer was dated XX/XX/2020, that they would not report us to the credit bureaus, ad they dont post payments on the weekends. I called numerous times since XX/XX/2020 and they spoke to different people, all told me the same thing, " it will be taken care of ''. I even sent 3 disputes to customer care and without a good outcome, then I noticed they state I was 30 days late in XXXX, that is fraud, The loan was in fact paid off on XXXX, 2020. They are refusing to work with me on this. Even showing a letter from the title company showing this is not our error, XXXX got very smart with me, and told me sorry there is nothing she could do for 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 2020-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
in XXXX i ordered a purse never got it XXXX credited it i also disputed it i just spoke to XXXX they said they creidted it for XXXX still its showing on my stmt at Amex i have been a customer for years why is it there? how does it come back 4 months later and i still have no purse. please resolve this appropriately asap i am not paying for that which i did not receive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Date of complaint for 2 half weeks now I've been purposely bringing this account to a XXXX usage balance to show and prove to citi bank that they are processing payments and not applying them to the proper categories. Ie cash advances is a higher apr and they are not applying the payments correctly, all employees agreed and confirmed interest and minimum payment due was already met before additional payments. In fact, 4 citi bank employees in writing said they would apply payments as they see fit and that their is no such law stating that higher apr accounts shall be applied 1st after the min payment was concluded. Furthermore I am not currently on hold with another nasty representative that told me after waiting on the phone for 5 hours and speaking with the account specialist XXXX check our recorded call he said 20 Mina to fix this issue now they are telling me 48 hours because payments are not posted? Bs see attached. Cfpb this is another example of a rogue credit institution applying payments as they see fit, & I have a Nile river of chat history requesting repeatedly to exhausting breaths that I want my ADDITIONAL PAYMENTS POSTED TO MY HIGHEST APRS* THEY HAVE ABSOLUTELY NO REGARD for the consumer well being on the contrary, only in making money. Another example XX/XX/XXXX an representative told me that they were reimbursing me for 2 days worth or fees due to the horrific customer service I always go through. After being told by another representative that he didn't give a crap what online chat said he wasn't going to credit the account it took me another 2 hours face book postings on their public site to finally get a supervisor to credit the account & get This she only did it for one day VS the 2 I was told I'd be receiving. This company is dangerous and an absolute failure in the professional standards of practice in my opinion and should be held accountable and investigated if wrong doing is found. Absolutely the worst financial company experience I've ever tasted I'm shocked they hold licenses.

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 2020-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I upgraded my capital platinum card to venture one card and they told me that they will send me a new card 5to7 business day which i have never received that card. when i was checking my account online i saw 3 charges made on my acct. it was XXXX XXXX cash advance and wall mart the amount was {$380.00} for both cash advances and {$720.00} XXXX for wall mart. I called the credit card company and told them that those charges was not mine. and they give me credit the same date which was XXXX XXXX and after on XX/XX/XXXX th they charge my account with the same charges and told me that either me or someone in my household did those charges. i wanted to reopen the dispute and they refused. I was told that i have to pay the charges on my account. please help me to resolve that issue

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: NC

Complaint narrative:
Someone applied for unemployment benefits using my name and SSN and it appears they were successful in receiving funds. I have a full time job and have never requested unemployment. I received a U.S. Bank ReliaCard in the mail on XX/XX/XXXX that was never requested or signed up for ... I called the company multiple times to try and close the account but have not been able to get in contact with anyone after hours of being on hold. I need to report this fraud and close the account but it's impossible to get any assistance from U.S. Bank ReliaCard.

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 2020-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
We have proof of all payments being sent on time from our Bank. Each mortgage statement sent to us reflects the payments being made. We reached out to them requesting a mortgage pay off statement and that is when they advised us they had not received two payments and there are late fees accrueing. Kindly see all attached documents proving all payments made on time since our mortgage was sold to this company. They are refusing to resolve the matter with us directly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
This company took a debt which was previously removed and deemed fraudulent back in 2018. This company re-aged the debt as new on my credit report, didnt validate the information and didnt give me time to dispute before entering this debt back on my credit report. 
Last XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I disputed charges from a collections agency and now it reflects derogatory remarks on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I used XXXX XXXX to book accommodations in XXXX XXXX XX/XX/XXXX thru XX/XX/2020. Due to Covid shutdowns in my home state Illinois which began prior to arrival XX/XX/2020 and Louisiana which began XX/XX/2020 I was unable to travel, also this was in accordance with CDC Federal guidelines. Also my cancellation which was made on XX/XX/2020 and I asked for a refund and received an email indicating I would be refunded in full. I used 2 credit cards and did receive full refund on the amount charged on one card, but did not receive a full refund on the second. According to XXXX XXXX policy I am due a full refund. The policy states if booked before XX/XX/XXXX, I booked on XX/XX/XXXX, and travel thru XX/XX/2020, I would receive a refund in full, and the email I received also states the same. I received partial refund of {$59.00} when it should have been {$300.00}. I disputed this with Citibank Visa, who issued a temporary credit, but now have been told by them the refund would only be {$59.00} take it or leave it. I need your help to receive a full refund from them.

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