vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After checking credit report I found out fraud activity and accounts which are not belong to me. However I have not had any accounts with your company, and I cant recall if I have gotten any calls or letters from you. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts. It's not my accounts. 
I did not recognize any if these accounts because on that period of time I did not visit hospital. Somebody used my personal information. Please remove incorrect information from credit report as soon as possible because it does not belong to me. 
I uploaded my personal information like SSN, DL, Proof of the address and Identity Theft where all fraud accounts were listed. Please remove them as soon as you can.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: OneMain Finance Corporation
State: NC

Complaint narrative:
XXXX is reporting Springleaf Financial Services creditor ( which uses alias company names to obfuscate and obstruct consumer disputes ) to be a collection/charge off account on the XXXX   website on my current credit report. Yet it also states a {$0.00} balance with no past due payments. It also states it sold this debt to a another lender without mentioning the name of the other lender. My XXXX  credit report shows that currently XXXX is reporting Springleaf Financial Services ( Springleaf, Springlf Fin ) is a closed account with {$0.00} balance and no late payments. So because Springleaf is a closed acccount, with a {$0.00} balance, and this has been purchased by another lender, the other lender has not been reporting since the purchase and does not even list their name.1. The time-barred statute of limitations for collections is 3 years in XXXX/XXXX   from the first report of deliquency. That is 4 years past. 2. This creditor reports a {$0.00} balance with them so they are not collecting. 3. If this supposed debt was sold, it is not listed to whom, but still disallows Springleaf by any alias to report on negatively on my credit because I have no financial obligation to them as Springleaf reports a {$0.00} balance and no late payments. 4. No verification of debt has ever been produced by Springleaf nor this supposed other purchaser of this debr to me for this debt, which is not a debt because it is a {$0.00} balance. It is only the right for the purchaser of this supposed debt to make a claim after verification of debt to them that I even owe a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
On XX/XX/XXXX, I was making a payment via a different account and found out they had closed my account. They stated that the Terms of Service states that with 2 return autopays in a 6 month period, they can close the account. I have not missed payments but do to the corona virus, I paid with my saving account. I was paying 10x more than the minimum due every time, I called on the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The last time I talked to the office of the President to try and get my account back open. They stated that had mailed me notices that the auto pay was going on and that no mail had been returned, I told them I have never received an mailing, then they changed there reason saying they e-mailed me, They had the wrong e-mail. They were rude about it and did not care, that I had been a customer for 28 years. They have tread me badly, if there was an issue they could have called, for they have in the past.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
On XXXX XXXX 2020 My friend purchased 2 VISA VENILA GIFT CARDS From XXXX XXXX  in XXXX XXXX XXXX California each card for {$500.00} total of {$1000.00}. 
For a month due to covid in left the cards in my purse at home, on XX/XX/XXXX I decided to use the cards, opened the packets and took the cards out tried to use them, Both cards where used to the max without ever been taken out of the packet. 
I contacted Vanilla Visa card customer service 1- a case was filed and I was promised to receive a dispute package by email within a day. I called after 2 days same promises now had to wait for another 3 days and again I called same story but no dispute package. 
Then on XX/XX/XXXX they claimed that there was no case at all after 47 minutes hold they hung up on me and upon my second call I was told their system is down Today XX/XX/XXXX I called and a supervisor got on the call after22 minutes of holding and Informed me that he can see my call logs but he needs to start the case again. 
It is obvious to me that they are using this tactic so I will disappear and problems will go away. I will not go away please help me with getting this issue solved

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened the new Master credit card from Capital One in XXXX XXXX. They had advertised and promotion in their Website and, spend {$500.00} and receive the bonus {$150.00} in three months and I applied for the Master card and received in XX/XX/2020 and used it for three cycle billing. I spent more than {$500.00}. I called and talked to them, but they denied and told me " They did not approve me for the bonus {$150.00} their promotion '' It is gimmick and cheating the customer in Pandermic Covid-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My name is XXXX XXXX of XXXX XXXX XXXX. Our office XXXX XXXX XXXX XXXX within the XXXX XXXX Area. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Bank of America eliminated its drive in sections of their banks a several years ago. Now that we are in a Covid-19 pandemic all deposits must be made through the lobby area of the banks in the XXXX  XXXX Area. Today we made a deposit at the XXXX Branch were there was a line that had formed all the way outside. When we entered the bank and finally met with a teller at the window we asked her why there was such a large line. We were told that the XXXX Branch had closed due to a Covid-19 Infections. We were also told that the other XXXX Branch had closed because the bank did not have enough employees to open up the branch. 
The closing of the drive in portion of Bank of America has jeopardized not only the bank employees but also their customers. 
For public safety we are demanding that Bank of America re-open all of the drive in sections of their banks. 
Bank of America is being negligent in protecting their employees and their customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Had a car loan with Capital One that was paid off using an account that was closed before the car had actually been paid off. Did get a credit card with Capital One, which is an entire different department/company than the car department. Made a payment while out of country in XX/XX/2019 like I always do through the credit card site. I had thought everything was fine until I received XXXX XXXX   statement saying that I had been late and missed a payment. I call the company and asked what happened because I knew I had paid them. They informed me that the bank that I had tried to use to pay declined payment. That's absurd because I know there was plenty of money to cover the small amount of my payment. They informed me then that the payment was trying to be pulled from the old car account. I explained that's impossible and that now it hit my credit score as a missed payment and that I wanted it fixed. They said sorry they can't do that, but did credit me the late fee. When pressed with a manager she admitted that she was " baffled '' how that could happen and that she was able to see both accounts but that they had never been linked with the credit card. Still the answer was they can't help. Reached out again recently with the same result. So wrong that this has taken so long and it is really hurting my chances of buying a new home. All over a {$100.00} credit card?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: ID

Complaint narrative:
I am writing in reguards to dispute # XXXX for a purchase of {$100.00} on XX/XX/20 from a website XXXX I originally made this dispute as I tried to cancel the order for this purchase before it was processed and sent. I became very suspicious that the website and merchant may not be legitimate after I ordered the items. I was told by the merchant it was too late and they already sent the item. I ordered 2 bifold closet doors from this merchant and they provided tracking numbers on these. The packages arrived seperately and intially opening them, I was very confused by the contents because there were paper N-95 masks in them from XXXX and I did not order any masks from XXXX ever. I thought it was someone's mistake. I quickly realized this that the tracking numbers on these packages for the masks were the same tracking numbers provided by the merchant for the for the doors. So I ordered 2 bifold doors for {$100.00} but I received some paper masks worth a few dollars which is fraud. 

The claim was supposedly investigated but settled in the merchants favor. Prior to this dispute being settled, I tried to relay this information but do not feel it was taken into consideration. I have provided communication with the merchant with tracking numbers and an attempt to cancel the order as well as pictures with the package and tracking numbers showing the items in the package which were not what I ordered. 

In summary, I ordered 2 doors for {$100.00} USD on XX/XX/20 and was sent some paper face masks instead. This is clearly a fraudulent scheme by the merchant. I tried to address it immediately and feel that it could have been addressed more quickly and efficiently. 

I have tried to provide any additional supporting documents as well as communication from the merchant about the order. This information make the fraud clear and easy to see. I hope that this is further investigated again and there is improved transparency and communication. This has been a very frustrating experience 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 2020-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After checking credit report I found out fraud activity and accounts which are not belong to me. However I have not had any accounts with your company, and I cant recall if I have gotten any calls or letters from you. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts. It's not my accounts. 
I did not recognize any if these accounts because on that period of time I did not visit hospital. Somebody used my personal information. Please remove incorrect information from credit report as soon as possible because it does not belong to me. 
I uploaded my personal information like SSN, DL, Proof of the address and Identity Theft where all fraud accounts were listed. Please remove them as soon as you can.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
After checking credit report I found out fraud activity and accounts which are not belong to me. However I have not had any accounts with your company, and I cant recall if I have gotten any calls or letters from you. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts. It's not my accounts. 
I did not recognize any if these accounts because on that period of time I did not visit hospital. Somebody used my personal information. Please remove incorrect information from credit report as soon as possible because it does not belong to me. 
I uploaded my personal information like SSN, DL, Proof of the address and Identity Theft where all fraud accounts were listed. Please remove them as soon as you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Linebarger Goggan Blair & Sampson LLP
State: VA

Complaint narrative:
Notice of debt letter received dated XX/XX/2020. Called company Linebarger, Goggan Blair & Sampson, LLP at XXXX address listed as XXXX XXXX XXXX, XXXX XXXX, XXXX, Virginia XXXX on XXXX-20 at approximately XXXX XXXX. Spoke with XXXX who stated the debt is for XXXX ; however, account summary received in mail states debt is {$1.00}, XXXX. XXXX stated she could look in the system to see if there are other accounts. This account involves one vehicle license plate identification. 
False amounts listed on notice. Violation of the FDCP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: MA

Complaint narrative:
I had three mortgages with XXXX  XXXX XXXX. All were transferred or sold to another lender, but with insufficient prior notification of the loans being sold. This resulted in payments being made to the wrong lender, and my account being incorrectly reported as past due. Attempt 's correct this mistake with the credit bureaus and the lender have failed to resolve this issue. 

Credit Bureau - Experian Lender - XXXX  XXXX XXXX Account Number XXXX Account Type Mortgage Date Transferred, closed XX/XX/XXXX Delinquency incorrectly reported - XX/XX/XXXX Credit Bureau - Experian Lender - XXXX  XXXX XXXX Account Number XXXX Account Type Mortgage Date Transferred, closed XX/XX/XXXX Delinquency incorrectly reported - XXXX and XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SOUTHSTATE BANK CORPORATION
State: SC

Complaint narrative:
First, South State Bank paid my property taxes in XX/XX/XXXX even though I don't escrow so it made it difficult for me to make my payment to the county. Then they added an escrow amount to my bills starting XX/XX/XXXX2020 but I don't owe them for taxes and insurance, I paid those directly. I called them XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX after I kept seeing this charge on my Statements and it's not getting fixed. I got a call from Collections on XX/XX/XXXX and I told them, another customer service agent and a Supervisor I don't escrow, I don't owe them any money and I want my credit ( history ) fixed. They also assessed me Late Charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: CA

Complaint narrative:
On XX/XX/2020 you are in violation of 30 days month definition by letter of the law which first appeared XX/XX/2020 For the reason given I demand closure of account effective XX/XX/2020 when balance reaches XXXX. I paid {$5.00} on XX/XX/2020 That mean your {$5.00} fee because was perpetuated too early is fraudulent and must be reversed.

Any resistance from your side will be faced with litigation for perpetuated phony debt fraud.

Going to submit complain to CFPB Pending TransactionsXX/XX/20 Debit : Plan Fee XX/XX/2020 {$5.00} Posted Transactions Actual Balance XX/XX/20 XXXX XXXX XXXX XXXX XXXX XXXX XXXX   {$10.00} {$0.00} XX/XX/20 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$30.00} {$10.00} XX/XX/20 XXXX XXXX XXXX CA {$4.00} {$40.00} XX/XX/20 Debit : Foreign Transaction Surcharge {$0.00} {$44.00}XX/XX/20 XXXX  - XXXX XXXX XXXX {$16.00} {$45.00} XX/XX/20 XXXX* XXXX   XXXX  DE {$33.00} {$62.00} XX/XX/20 Debit : Plan Fee XX/XX/2020 {$5.00} {$95.00} XX/XX/20 Credit : XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX  , CA XXXX  {$100.00} {$100.00}

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 2020-06-25 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 — Problem with personal statement of dispute
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I bought a car XX/XX/XXXX financed thread Suntrust my first payment was XX/XX/XXXX we pay that payment over the phone on time. The second pay was done on their web page with their bill pay to make things easer so that is what we did we summited the payment through web site and we got a conformation paper that i printed. So we payed the third payment through there web site again. When we went to the web sit to pay the 4th payment we noticed that the payments were rejected. In the mean time Suntrust had reported it to the credit bureau as being late and behind in my payments So we pay the payment up and call Suntrust to see what happened ad found out that they summit the account number to XXXX XXXX wrong and the were kicking pack the payments. So after we found out what the problem was we ask Sun trust to remove the derogatory statements from the Credit Bureau they said the would investigate it and let me know so I got conformation from my bank that proved that I made the payment and they kick them back. Sun trust came back with there decision that they were not going to remove the derogatory from my record and said it was my fault because I didn't check my bank account. I asked them why they didn't call and let me know they said that they did but didn't not leave a message I asked them what phone number did they call and they wouldn't tell me they said I could get it from the CFPB. The problem is from the web site and their bank. It had lowered my credit rating so I couldn't purchase the house that we were closing on in 24hours. I gave them all of the facts in documents can you please help us in resolving this problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I have a business account with PayPal and a link on my website for customers to pay through. Well one customer clicked the wrong link and paid a full purchase price when he should have only paid a deposit on the item, which was another link. I refunded his money immediately and paypal still kept the transaction fee from me. I asked for a refund due to this being an error and they said no over and over again. Paypal will make me refund the full amount to the customer and still charge me for the customers error. This was XX/XX/2020. Amount {$2200.00}, transaction fee of {$67.00}. They have also given a customer a refund of a deposit they made knowing the deposit was non refundable. Plus kept the original transaction fee from me. So they took 300 dollars out of my bank account to give back to a customer that paid a non refundable deposit on a future puppy that hasn't been born yet. Accused me of not sending the customer the item and took the money back. Then kept the XXXX  dollar transaction fee I paid when the customer made the non refundable deposit. PayPal is continuing to steal from their own customers and making rules apply to their customers while they keep money for transactions that aren't final.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unlimited Progress Corp
State: IL

Complaint narrative:
I have reached out to CREDITORS DISCOUNT & Auditors for Account XXXX from Now defunct XXXX XXXX in XXXX XXXX Illinois to inform them that these services were for my XXXX  XXXX  and they should bill her insurance. I have also initiated several disputes to no avail. The info was removed from one credit buearu and not the others.

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