vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-27 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: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit 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 2021-10-27 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: CA

Complaint narrative:
I scheduled an auto pay with my mortgage servicer back on XX/XX/2021, and since then the payment was automatically withdrawn from my account. Without receiving any notice from the servicer, the company submits a 30 day late payment for my XXXX statement period. When I contacted the servicer, they admitted that it was a mistake and asked me to dispute with credit bureaus. After submitting the relevant information to the credit bureaus, they refused to remove the late payment with out providing any proof that I was late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: IL

Complaint narrative:
I authorized payment for my XXXX XXXX  XXXX account To XXXX XXXX on XX/XX/XXXX for the amount of {$6.00}. I received a notice generated by their computer that the payment was authorized. After making the payment, my balance was XXXX. I never followed it up because the account was paid off in full. I never received a phone call from XXXX bank that the payment was not made. I never purchased anything from XXXX XXXX  XXXX until last week. 

All of my prior payments were being made through the same bank account and I had no problem. In fact, I had authorized the bank to take the minimum payment on the due date of each month. 

The bank is claiming that my account was frozen at XXXX XXXX  and when I checked it out, my bank told me that the account was never frozen. In fact, I looked at my account and all the other payments were being made that I authorized. Due to this my credit score went down from XXXX to XXXX. I also realized that one of their Reps outright lied that my bank account was frozen. 

I have called XXXX XXXX  about the payment about 4 times and still, they are not removing late payments of 30 and 60 days. They connected me to Equifax and I could not upload the notice authorizing the payment on XX/XX/XXXX. I have already sent the authorization to XXXX. 

Once I realized the late payment of 60 days, I made a payment so that my account is current. Due to this, I was denied credit from XXXX bank where my account is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian doesn't answer 	he phone calls. 
I also tried to update my info, because some of it is INACCURATE & I can't do IT. 
Yet you tell us to fix our problems here, & it can't be done. 
You Also told me to look up info on the web, & I can't view the site you mention. 
I gave you ACCURATE info on XXXX  XXXX XXXX, but I can't fix it on this site!! 
VERY FRUSTATING!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: Paramount Recovery Systems, L.P.
State: VA

Complaint narrative:
XXXX regularly allows collection agencies that have bought an old bad debit to reage the debit. Everytime I dispute when this happens, they immediately decline my dispute and say the information is accurate and was verified as such with the collection agency without truly investigating. The current issue is with debt posted by Paramount Recover systems, where they bought a debt from XXXX XXXX, originally delinquent 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
XXXX XXXX card was charged for {$2200.00} which i did not authorize. 
Filed a dispute with Comenity capital bank. 
Explained the situation and the charge is still on the card. 
Refiled comllaint and made min. Payment to keep my credit clean.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-27 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this charge. I ask that the items be deleted to correct my credit profile. I reported the theft to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Theft Affidavit. Please delete these items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I was recently added as an Authorized User to an American Express credit card without my knowledge. Reading the FDIC website for consumer protection Section 226.12 paragraph 12 ( a ) ( 1 ) states that a request or application for a card must be explicit. However, # 6 of the same paragraph allows the primary cardholder to request a credit card for anyone else. 

Apparently the exploitation of this legal-ese grey area allowed the credit card to be opened which then caused my credit score to decrease by nearly XXXX points ; in effect holding ME financially responsible for its use. 

When the account appeared on my credit report I immediately reported this to the credit bureaus and the CFPB : as not being my account, nor did I submit an application, or give approval to be an authorized user. The response from American Express to the CFPB complaint was that they are reporting accurately. 

My question isHow can an issuer give credit without authorization, affect my credit by reporting an account I did not authorize, and advise they are reporting an account accurately? Is that some type of childish word game? e.g. their response was almost mocking ; it may be fraud, but were reporting it accurately! 

I called the CFPB when I received the complaint response and was advised to write the FTC. Per their suggestion I have written the FTC the details of the unfair practice. 

I would like to submit this complaint/ account as fraud to stop any reporting to my credit report. I, again, did not request this account, have ever requested credit from American Express, or have knowledge of its opening, not will I ever request an account from American Express in the future. Also, all this was done while my credit line was purposefully frozen. 

My next course of action is a local consumer protections attorney as I am currently loan shopping. This fraudulent account ( and credit score reporting ) is causing a burdensome financial impact by affecting my chances at better tiered rates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Within the past few weeks I took a personal loan at 9.99 %. This rate included a quarter percentage discount so as long as there was an auto pay set up. For money management reasons, I wanted to change the account the auto pay was on and called the bank to see how to do this. I was walked through the process but was never told that by changing the account that I would lose my quarter percentage point deduction. When I saw that my rate changed to 10.24 % I called to get this fixed and was told that auto pay is not the same as an automatic deduction. Word play essentially. They would not give me my discount back even though I set up the auto pay. This is a low level tactic to use word play and say its one thing but not another. There is no way to get an automatic deduction on the website. I feel mislead and taken advantage of. 
Dont take a personal loan from PNC . If you change how you want to pay they will take your discounts away.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CommonBond, Inc.
State: NY

Complaint narrative:
I, XXXX XXXX entered a consumer credit transaction with Common Bond on XX/XX/2021. Common Bond has sent me a bill every month from XXXX to XXXX in the amount of {$310.00} in which I have paid. Pursuant to 18 USC 8 all bills are the obligation of the United States so the debt was paid for already ; Common Bond should not have collected money from me monthly in that time period. There are also multiple violations that Common Bond has committed and I have included those in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG FINANCIAL CORPORATION
State: OK

Complaint narrative:
Debt collector called to collect {$540.00} from XX/XX/XXXX and said I was being sued for {$2800.00}. The problem is that Ive already paid this payday loan debt in XXXX ; paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: FL

Complaint narrative:
On XX/XX/XXXX I opened an account with XXXX XXXX XXXX card. At that time, I was given a credit limit of {$8500.00}. I used it to transfer 2 balances from 2 other cards and had a few other purchases but remained well under the {$8500.00} credit limit. During that time, I have paid every month on time and no missed payments. Today XX/XX/XXXX I received a letter informing me that my credit limit was reduced to {$6100.00}. Which has now cause my card usage to go from 70 % which I know is high but was working on reducing it to 97 % usage. That is completely unfair to do and will have adverse affects to my credit for the next several months while I now scramble to try to pay it down. I was told it was due to factors on my credit file, however the only difference in my credit file has been my score that has increased. I used XXXX to keep track of my credit score and when I applied for this card I was in the high XXXX. I am now in the XXXX range and do not understand how a company could put a customer into a position, on purpose, to hurt someones credit file. This is pathetic customer service for someone who has never been late and was given a credit limit 5 months ago only to have the credit card company decide to decrease it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I was notified through XXXX XXXX  that there were some inquiries that reported to my account that was not authorized by me. These inquires have brought my score down almost 10 points. I believe someone has stolen my SSN and is trying to apply for things in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: Sunbit, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I made a {$230.00} payment to SUNBIT and it was to pay it off in full and it never was added to the account and I made purchase after that and I looked at the amount due on the XXXX of XXXX and the rep said I should not be able to pay XXXX dollars it should be {$100.00} total payoff and I made purchase on the XXXX of XXXX and it said I still owed the same amount and I frauded a charge out they close the account and never issued the amount back after they closed the card and issued another one and I added all up the transaction today XX/XX/XXXX and I should only owe {$250.00} not {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I was effected by multiple data breaches & have multiple UNAUTHORIZED accounts & inquires that MUST BE DELETED BRECHES FROM equifax XXXX XXXX XXXX XXXX the bureaus must take off

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
Calls almost everyday, debt removed from credit report because it was not a valid charge. Debt collector keeps calling even though XXXX has reversed the charges because I didnt owe for the bill

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Collections & Recoveries, Inc.
State: FL

Complaint narrative:
On or around XXXX XXXX my legally separated x-wife went to the dentist and was seen and was billed for the visit. During the Divorce hearing the judge ordered her to pay the Bill. She waited until after she was remarried and then paid the bill under her New Married name. Ever since XX/XX/XXXX I have been receiving collection letters and phone calls asking me to pay the debit, I have repeatedly told the collection agency this is Not my debit. On XX/XX/XXXX I received another collection letter stating that the due amount is {$970.00} and I currently live in the state of Florida. The debit initially was opened in Nebraska and this debit is not mine and too old to collect. I would like the harassment to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America Acct # XXXX Date Opened XX/XX/2017 I've already submitted a CFPB complaint and received a response from you that was vague and it did not investigate the following request ...., I need the following information from you for my records : 1. 1099C 2. Take down letter 3. Finance insurance paperwork 4. And let me know if there was a finance charge. 

If no such proof is provided within 14 days from receipt of this notice, I demand deletion of this account from my consumer report profile. 

I also received an email from XXXX XXXX XXXX saying that I owe them {$3700.00}. This is inaccurate information if the above debt collector has already paid for the debt. 

Between these two accounts you are reporting inaccurate information and the two accounts should not be reporting a balance. 

According to the law I demand this account be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
I filed two complaints One case # XXXX that is the one that has the documentation about the problem. 

The denied document on the short term sale which was sent after I sent the funds. 

The document stating they are not returning funds. 

I sent copies of the wire transfer that stated pay off on loan. 

Now PHH Mortgage has responded to the claim saying they are still working on the issue. That can not be a true statement because I have the proof that the case with PHH mortgage and myself is closed. When I called them they also told me they are not returning my money. 

I have reattached documents about this case

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: FREEDOM FINANCIAL NETWORK
State: AZ

Complaint narrative:
On XX/XX/2021 I entered into the Freedom Debt Relief program. This is a program that settles credit card debt into a lower amount by negotiating with creditors. I have been following everything they ask on their program. On XX/XX/2021 I received a lawsuit from XXXX XXXX- I have 20 days to respond from XX/XX/2021, FDR states on their welcome packet/website and other sources the following information : " While youre moving through the process of resolving your debt, some creditors may choose to take legal action ( sue you in court ) to collect on the debt. If you receive a legal notice, send us a copy right away by uploading it on your Client Dashboard or emailing it to XXXX. Then call Customer Service to verify the document was received. 
Once we receive the document, well review the status of your program and may enlist the help of an attorney in the XXXX XXXX XXXX. To qualify for legal representation on a lawsuit, you must have made all your program deposits on time and in the full amount. Its important that there are enough funds available for us to negotiate a settlement if needed. Consistent deposits are crucial to overall program success and create negotiating leverage for attorneys to work on your behalf. 

There are no additional Freedom Debt Relief fees for attorney services. However, you will be responsible for court fees and related costs. '' " As long as you make all your deposits on time and in the full amount, access to representation through the XXXX XXXX XXXX is included as part of your Freedom Debt Relief program. There are no additional Freedom Debt Relief fees for attorney services. However, you will be responsible for court fees and related costs. '' As of today, I have been calling every day and have been given the run around with no answer. I am not asking and have not ask FDR for legal advice. Instead, I am asking if they are going to comply with what they offer on their welcome packet/website to help the customer with the lawsuit placed by one of the creditors by assigning an attorney from their " network ''. 

This is a deceiving business practice, as FDR convinces and promises customers that everything goes according to plan by following the program. However, what goes to plan is all the fees/charges they take out of the dedicated account, but everything else seems to be out of scope even when it's in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
On Saturday XX/XX/XXXX I received a text on XXXX from an XXXX user name XXXX, I knew XXXX from XXXX. The message was to me individually and stated that an investment in bitcoin for {$500.00} could help you make {$1000.00} in a few hours. Inwas skeptical about the message however XXXX continued to converse with whom I thought was XXXX XXXX to inquire more. The person who sent me to another person 's account who was supposed to be a XXXX  investment person. This person walked me through the " process of investing on the bitcoin ''. They had me walk through a variety of steps that didn't work, then they sent me to a bitcoin website for me to register... they then said I had to send the XXXX to XXXX  cash app to invest it into the bitcoin. After meticulously walking me through the steps they had me log in to see my " investment ''. It took about 15 minutes which I know now was time for them to steal my money. After I was having trouble logging back in to the website.They sent me a website in which was supposed to have my bitcom money of XXXX. They asked for my recovery number becauss when it was time to tradd the money disappeared. I stupidly thought it was for the money to be traded. My boyfriend amd I were in desperate need of cash flow which is why I was overly naive in this situation and the conversation with someone I know and trusted lasted fir a length of time s in need of cash flow and because it came from someone I trusted I thought it was legit. They then signed me up for a fake website XXXX  XXXX  and XXXX  XXXX. The phone number they added to my XXXX  account was XXXX the location was from an XXXX phone in XXXX XXXX, NY. I really want them prosecuted. My instagram login has always been with email XXXX and via my phone number XXXX XXXX XXXX

Company response to consumer: Closed with explanation