vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC
State: GA

Complaint narrative:
My contract was up with XXXX. A deposit was paid at the beginning of the contract. Once my contract was up I called customer service and arranged to end contract. I was instructed to send in both phones and if there was any balance left over my deposit would cover it. Phones were returned so I waited 2 weeks and called back to customer service to confirm they received our phones. To my knowledge everything was fine. Later to see this on my credit report. I called back and XXXX customer service told me they are not in the same building the phone was return to so they don't know if they received the phones are not. Nothing they could do about it. This is inaccurate and fraudulent reportings.

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 2020-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Colony Brands, Inc.
State: TX

Complaint narrative:
XXXX was contacted regarding my current credit report to see if items can be removed. This was when I was told that even when a bankruptcy is filed, the items still can report. however, some items should not have been on my report even prior to reporting. I was told that cause it was included on my bankruptcy that it couldn't be removed even though the item should have already reached the 7 year limit before bankruptcy. 


Agencies XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
{$140.00} tried to be collected, placed on XX/XX/2014 I called you verify if I had any open accounts at the hospital listed and it says that I have zero accounts. The collection agency threatened to get a lawyer from 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 2020-06-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
Credit acceptance corp has reopen a closed account which they have a judgement for and a garnishment I have the spirit is a cat with XXXX  as a closed account which the creditor has reply it is a open account which is false this has seriously done damage to my credit score for this inaccurate information and they refused to correct this information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A.
State: GA

Complaint narrative:
On the date of XX/XX/2020 I disputed charges that are inaccurate and obsolete that are affecting my Credit score. These charges were disputed with Credit Bureaus XXXX, XXXX, and XXXX. The false charges are listed below. 

Disputed Item PNC BANK ( ADDRESS : PNC BANK XXXX XXXX  XXXX XXXX, PA XXXX ) Allege Amount Owed {$280.00} XXXX XXXX XXXX XXXX ( ADDRESS : XXXX XXXX XXXX, XXXX FL ) Allege Amount Owed {$840.00} XXXX  XXXX ( ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ) XXXX Allege Amount Owed {$360.00} XXXX XXXX ( ADDRESS : XXXX XXXX XXXX XXXX VA : Allege Amount Owed {$500.00} I have No knowledge of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
As of today XX/XX/2020 when checking credit report XXXX has reappeared on credit. report. Please remove now this account was reported as fraud and successfully removed back in XX/XX/2020. This account was not opened in my name and was removed from my account when the fraud alert was removed the account has reappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XXXX  credit report I mention Barclay 's bank does not belong to me. I informed Barclay 's bank as a fraud. They mention it will be place as fraud, however XXXX  has yet to remove it from my credit report, hurting my credit. 


Barclay 's bank is my other credit reports.

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 2020-06-26 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: TX

Complaint narrative:
I filed a complaint with Equifax detailing that an account from XXXX XXXX  On XX/XX/2020 confirmation number : XXXX It found the account was not mine and said it will delete this didnt happen

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc.
State: KY

Complaint narrative:
When I attempted to turn the vehicle in at the local XXXX XXXX at the end of the lease, I was told that I needed to make an appointment to have the vehicle inspected before surrendering the vehicle. I made several appointments and missed time at work showing up to appointments and told that the inspector was not there. A few months after I turned the vehicle in and told the dealership, I could not afford to keep taking off work for this. They did not inspect the vehicle until a few days later. I was charged for additional lease payments that I did not incur due to several inspection appointments that GM Financial missed. When I surrendered the vehicle I asked for paperwork that I dropped it off and the condition and was told that their computer system was down.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I tried to contact them but the passwords, emails, and information that was on file I didn't know are have ever lived at. This was not me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX is changing old information about account as if they are new account. I had a fraudulent account that was investigated and I filed a police report on and it was blocked due do the investigation. XXXX XXXX XXXX has change the original date, loan amount and account number with XXXX, Exquifax, and XXXX. XXXX XXXX may have sold or sharing the account with XXXX. I believe this is against the law under fair credit report act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX is changing old information about account as if they are new account. I had a fraudulent account that was investigated and I filed a police report on and it was blocked due do the investigation. XXXX XXXX XXXX has change the original date, loan amount and account number with Experian, XXXX, and XXXX. XXXX XXXX may have sold or sharing the account with XXXX. I believe this is against the law under fair credit report act.

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 2020-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: OH

Complaint narrative:
Signed agreement as Power of Attorney for a family member with understanding of the company that the family member was agreeing to the debt. Subsequently perused the debt to me personally.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2020 Applied for Capital One Bank Card credit card to get extra credit for Walmart Purchases as I shop there a lot and responded to the add. I have excellent credit. Received a denial letter dated XX/XX/2020 saying that the XXXX  credit report had a derogatory public record, and etc. Printed the XXXX  Credit Report and show nothing wrong. The public record was discharged 10 years ago and have no late payments an a credit score of XXXX. Sent another letter to Capital One stating have no lates, public record is 10 years old, balances all in line, no adverse factors, and credit vendors run routine inquiries. Also, I have another Capital One Credit and no lates. I believed that Capital One is discriminating against me because of my old age. Tried to call them, but they are not answering the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
XXXX XXXX GOT AN ILLEGAL JUDGEMENT ON XX/XX/2008 CASE NO.XXXX  XXXX, ARIZONA. THIS WAS RE-INSERTED BACK INTO MY CREDIT FILES RECENTLY!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc.
State: CA

Complaint narrative:
Conn 's home pluse in XXXX, Tn talked me into buying a washer and dryer. The day the supposed to drop it off they didn't it was days later. I called them and told them that I no longer wanted the washer and dryer. Not only did they dropped it off they dropped it off with extra attachments I didn't want costing me XXXX extra. When I told them to come pick it up the sales associate stated that they can not take back used items after 30 days. I didn't even use it and it was less then 30 days. Now they call and text me 10x a day. Keep reporting to different credit Bureaus all 3 dropped them from my credit score now they charge it off making my FICO score extremely low. The reported I owe over XXXX dollars for a washer and dryer. I need help dealing with Conns Home Plus they need to be closed down for the fraudulent practices scamming people. They are trying anyway they can to ruining my credit when all they had to do is pick the merchandise back up a d resale it. But the customer service agent told me when I called to come to agreement that I can sale the washer and dryer and pay them the money so it want effect my credit. I need help getting this removed from my credit score and them shut down for bad sales practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: MI

Complaint narrative:
Loan Number XXXX Mortgage application complaint for discrimination based off my receiving Social Security benefits. 

On XX/XX/XXXX, I sent my Loan Officer XXXX XXXX proof of my Social Security benefits in which he acknowledged by email that he received. Then I was contacted again today by a member of his team for a 3 year statement of continued Social Security benefits which clearly violates the CFPB Final Bulletin 2014-03, page 3 regarding Social Security XXXX Income. 

Please see the attached email request # 4 as it pertains to my Social Security benefits. Do please give me a call and provide me a written response as to why Im being discriminated against as I really need your help in this matter because its causing me tremendous emotional distress and discouragement. 

Below is the condition from Flagstars underwriter ; 4. Provide { acceptable documentation } to document Social Security income in the amount of $ { XXXX & XXXX } for { Borrower }. { *** Document SS income will continue for at least 3 years } Thank you for your time,

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 2020-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On the date of XX/XX/2020 I disputed charges that are inaccurate and obsolete that are affecting my Credit score. These charges were disputed with Credit Bureaus XXXX, XXXX, and XXXX. The false charges are listed below. 

Disputed Item XXXX XXXX  ( ADDRESS : XXXX XXXX  XXXX XXXX  XXXX XXXX, PA XXXX ) Allege Amount Owed {$280.00} XXXX XXXX XXXX XXXX ( ADDRESS : XXXX XXXX XXXX, XXXX FL ) Allege Amount Owed {$840.00} CAPITAL ONE ( ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ) XXXX Allege Amount Owed {$360.00} XXXX XXXX ( ADDRESS : XXXX XXXX XXXX XXXX VA : Allege Amount Owed {$500.00} I have No knowledge of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Terrill Outsourcing Group
State: TX

Complaint narrative:
Claiming I had a debt and to contact a know scam debt collection scheme

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: MD

Complaint narrative:
I am writing to express my dissatisfaction with PayPal & PayPal Credit over four unique dispute cases & processes. Amid COVID 19, the  companies support and return/refund policies has been nothing short of unfair to consumers.. I would argue the online support with PayPal has been subpar for the industry, it being deceptive as it's 1. Hard to find the tool in order to dispute a charge and the rules, feel very unbalanced. Merchants have 30-60 days to reply, yet consumers have 3 days to comply or it will be denied. ave spent hours on the phone and in communication with PayPal in an attempt to resolve multiple issues. 

XXXX This item has been clearly documented as returned and refunded by the seller. I have spent numerous hours between PayPal and PayPal Credit to resolve. I have since been recharged and refunded several times, yet, still am owed a credit of XXXX. I am filing a claim with the CFPB if this is not resolved by the end of the month, as this is clearly a merchant issue, yet, PayPal operational support is non-existent. This case has been open now for nearly 90 days. 
XXXX Clear documentation from the merchant that item was returned and has been supplied to PayPal . 
XXXX Clear documentation from the merchant that item was returned and has been supplied to PayPal . 
XXXX Full Item not received. In this case, documented on the PayPal resolution center, the SELLER clearly noted they would send the item to complete order, the case closed, the seller has since not fulfilled their obligation, for some reason, the case has been closed and is not able to be reopened. 

I have been declined in each case, after calling, filing all required paperwork and emailing the CEO, as they state 'the merchant has provided documentation the charge is valid '. So somehow, the documentation I am providing from the same merchant is not valid? I feel in each of these cases, PayPal is acting in a deceptive and unfair practice, where the consumer is at risk of unwarranted financial loss. 

I am seeking assistance. This is a basic merchant service which should be complied with by the company. 
-XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
After speaking with 3 representatives including a manager, my issue went unresolved. 
Capital One did not want to take responsibility for not providing the total accrued balance at the time I went to make a full balance payment. My statement amount said {$9600.00} with due date of XX/XX/XXXX. I paid an amount of {$9700.00} on XX/XX/XXXX as that is what their website had as the " current balance '' with all intentions to pay off the card in full with interests that reflected the higher amount than my statement. 
I knew that higher balance I was paying included interest and I know that I am responsible for that interest which I had no problem paying. My issue is that 7 days later I was charged an amount of {$140.00} of interest charges. No where in their payment processing options is there a disclosure that my " current balance '' may not be up to date. Consumers are not aware with this at the time of clicking on " current balance ''. Therefore there is not an updated " current balance '' nor does it state on the payment option prompts that the current balance may not reflect what the " pay off amount '' may be.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: MO

Complaint narrative:
There is an old XXXX account showing on my credit report incorrectly. The account is XXXX opened on XX/XX/XXXX. Currently the account shows as a recent missed payment or recent charge off on my report. That is not accurate. I have verified with XXXX XXXX the correct dates for this account as being closed on XX/XX/XXXX and paid and closed on XX/XX/XXXX. There has been no activity on this account since. However, Equifax is reporting that the charge off date on this account is XXXX of XXXX. This is not accurate. Any or information at all regarding this account post XXXX of XXXX is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: WA

Complaint narrative:
Experian is incorrectly reporting that I am ( 90 ) days late on the XXXX/XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: GA

Complaint narrative:
On the date of XX/XX/2020 I disputed charges that are inaccurate and obsolete that are affecting my Credit score. These charges were disputed with Credit Bureaus XXXX, XXXX, and XXXX. The false charges are listed below. 

Disputed Item XXXX XXXX ( ADDRESS : XXXX XXXX  XXXX XXXX  XXXX XXXX, PA XXXX ) Allege Amount Owed {$280.00} ENHANCED RECOVERY CO L ( ADDRESS : XXXX XXXX XXXX, XXXX FL ) Allege Amount Owed {$840.00} XXXX XXXX ( ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ) XXXX Allege Amount Owed {$360.00} XXXX XXXX ( ADDRESS : XXXX XXXX XXXX XXXX VA : Allege Amount Owed {$500.00} I have No knowledge of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: GA

Complaint narrative:
I have a government issued XXXX  XXXX Prepaid card. I want to transfer the funds into my own bank account. On XX/XX/2020, I went to the Way2Go Card website and found no option to transfer funds from the account. On the paper that came from the XXXX XXXX, for funds transfer, it did state that I need to call the automated customer service at XXXX. The automated customer service had no options for funds transfer. I finally choose an option that would direct me to a customer service agent. After 45 minutes on hold, a customer service agent answered my call. I asked to make a funds transfer and was told the state of Georgia does not allow that. I thought this to be strange because I had already made a funds transfer several months ago. I asked him for clarification and he said they are working on it with the state and hung up. 
They do have a bill pay on their web site that is limited to {$750.00}. Not enough to pay my mortgage. 
I feel XXXX XXXX  is using my money for their interests, and preventing me the access to the funds to use as I see fit.

Company response to consumer: Closed with explanation