vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I believe American Express may be practicing predatory lending practices in the era of COVID. I was canceling my CC with them. I dont need it. But these days some folks do need them. I have XXXX FICO. Their promotional APR to keep me as a customer is 22.74 %. Holy cow! If that is for someone with a great FICO and never late payments, what is it for people that have hit hard times? Prime right now is 3.25 %. They we offering me something almost 20 % over prime. Of course I dont have to be their customer and now Im not. But what about those people dependent on these funding sources to supplement lack of income at this time? Is anybody watching this?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 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: Navient Solutions, LLC.
State: OH

Complaint narrative:
Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : SALLIE MAE # XXXX, SALLIE MAE # XXXX, SALLIE MAE # XXXX, SALLIE MAE # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 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: AZ

Complaint narrative:
On XX/XX/2020, I filed a complaint with the FTC for identity theft. One of the five accounts listed is on my Equifax credit report. Just as the FTC recommended, I mailed, faxed, and emailed a copy of the FTC report as well as a letter with the FTC logo upon it, the latest copy of my credit report, a copy of FCRA 605 ( B ), and a copy of my driver 's license as identification. Equifax did immediately put a fraud alert on my account. Unfortunately, that is all they did. As per the Code, I know that a block is supposed to be placed on the account resulting from identity theft. This has not occurred. The only fraud process they have online is to submit the fraud through their dispute resolution center. I did upload all my documentation, again, but now the " date of resolution '' is now over a month away. That is not part of FCRA 605 ( b ). Plus, my credit score declined by 72 points. There are only 2 negative reports on my file. Can you please help me get this information to them?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Santander USA sold the loan to a company called XXXX XXXX I settled the account in XXXX when I was informed that both companies were it remove from my credit report.. when I spoke to Santander they told me to provide all information stating that the collection company is no longer reporting I did that the XXXX of XXXX and all they did was remove some remarks..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-31 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: Kriya Capital, LLC
State: OH

Complaint narrative:
Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, CREDENCE RESOURCE MANAGEMENT # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-31 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: AFNI INC.
State: OH

Complaint narrative:
Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Total Card, Inc.
State: FL

Complaint narrative:
I am receiving calls from Total Visa at XXXX XXXX XXXX weekends nights holidays even on a Saturday night demanding money but my bank refused to pay them last XXXX. He never made a demand for money but just calls. I do not know what he is talking about. 
He says Total Visa told him to call me at XXXX  XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, New York XXXX but I am on XXXX which is exempt from lawsuit and garnishment but he says that is only the law and he does not have to obey it. 

He issued nothing in writing just threatening abusive phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: VA

Complaint narrative:
Account is 5 days past due ( next payment due XX/XX/XXXX ) and have received at least eight phone calls throughout the day beginning at XXXX XXXX. from various spoofed numbers throughout the country including numbers from area codes XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. A caller from a number originating from XXXX, Arizona at XXXX XXXX XX/XX/XXXX asked for my social security number which I refused to provide as the incoming number was not clearly identified as Conns. Another caller, identifying themselves as Conns, advised my phone number did not correspond with my account. Calls have continued despite a payment arrangement being enacted and validated online through the collection department. Calls have repeatedly continued although I have asked repeatedly that they cease. I asked to immediately return a telephone a call from area code XXXX and was told by caller that I could not return a call to the number from which he was calling and was provided a XXXX telephone number. Agents at this number advised I had failed to make a XXXX payment thus triggering the monsoon of calls. This information does not correlate with my bank account statements or online Conns account, which clearly states next payment due XX/XX/XXXX for a one month payment, I can clearly see a payment processed for the month in question. Online account history does not indicate any default. I was advised there was no supervisor who could speak with me. 

In XX/XX/XXXX, I received an email from Conns addressed to someone of a totally and very dissimilar name with foreign account information and details of a payment arrangement with Conns. I immediately called, fearful that my account was somehow entwined with someone else. I was told to disregard the email and the issue would be escalated with a response in 24 to 48 hours, I never heard from anyone calling from a legitimate Conns number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Incomm Holdings Inc.
State: AZ

Complaint narrative:
I received in the mail 2 MasterCard loadable debit cards that I DID NOT REQUEST! I called the number listed for customer service and didn't like the direction the conversation was going. I simply wanted to know why I received these cards that I DID NOT REQUEST and the service rep started asking for personal information that I did not want to give. The company is : InComm Inc. XXXX XXXX XXXX, XXXX XXXX GA XXXX. Their phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: AL

Complaint narrative:
On XX/XX/20 around. XXXX CST an estimated amount of {$2800.00} was transferred out of my account onto a debit card that didn't belong to me and refuses to attempt yo resolve this issue. I did not authorize this transaction and I need my money to be available to me as it has always been.Please take this matter urgent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
on XX/XX/2020 Portfolio Recovery Associates sent me a letter of collection and added a derogatory mark to my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for this account. Debtor 's creditor did not verify this collection. Also there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anyone can send me a bill and say its mine. Further more there is conflicting information such as dates the account was opened is listed different on my credit report vs paper work they have sent me. According to the FCRA, PORTFOLIO RECOVERY ASSOCIATES has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
Recently, someone had accessed my bank account tried to steal a lot of money from me actually 2weeks ago. Today XX/XX/XXXX I have received another phony bill in my name by mail. The bill is dated XX/XX/2020 in the amount of XXXX. I have NEVER applied for an account with National Credit Adjusters/XXXX  XXXX XXXX which is whom this claim is about. I have not attempted to contact the business because as I mentioned that someone had attempted to break into my bank account. I did place a lock on my credit report with all 3 reporting agencies. I do not know if National Credit Adjusters is even a real company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 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 — Other problem getting your report or credit score
Company: LEXISNEXIS
State: MD

Complaint narrative:
I submitted my request to Lexis nexis to provide me with a copy of my consumer report in XX/XX/XXXX. I received a letter with instructions on how to retrieve the report online, but that didn't work. I contacted them by email around XX/XX/XXXX. Address a few days they, ask me to call their customer service line. So a little over a week ago, I call their customer service line and request a new link to access my report. I still haven't received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 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: NY

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX my bill of XX/XX/XXXX dollars did not go through when it was on auto pay. I reached out the company and they acknowledge that they saw the payment try to come out of the bank but was rejected. They did not notify me about this rejection and just gave me a late payment. Now Im trying to get a Mortgage and because of this mark on my CREDIT REPORT its making it hard for me to provide a home for my family, it unfair that the company is not trying to work with me to resolve this issue when pay payment was automatically set.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Although my student loans have been dismissed, Trans Union still shows that my total debt is over 300,000.00. I have tried to get them to provide an updated proper report to the two car lots that have run my credit and deny me a loan because of the sloppy reporting that Trans Union refuses to address.

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 2020-11-01 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020 SECOND BOX REMOVE THESE INACCURATE FALSE ACCOUNTS IMMEDIATELY

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 2020-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2020, A Bankruptcy reported on my credit report. A numerous of dispute letters, call, and faxes was sent credit bureau. 
I am writing to dispute the following information that appears on my TransUnion consumer report : U.S BANKRUPTCY COURT Ive contacted the Bankruptcy Court, received letters from the court and forwarded to Transunion stating that the Bankruptcy was not verified as mine. As the debtor has not verified. also, there was no written form of communication, contract, or signature for this accrued debt. A letter without my signature does not validate that his bankruptcy belongs to me. According to the FCRA Transunion has violated my rights as a consumer and Im requesting legal action to remove this public record immediately,

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 2020-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/2020 my girlfriend sent me money to cover the amount needed for a bill. On XX/XX/2020 I discovered that a limitation was placed on my PayPal Inc. account, -- -- -- -- -- -- -- -- -- -- -XXXX. I was not given notification as to why this occurred, or how long it would take to be resolved ... only that they required a copy of my driver 's license AND a photo of the debit card I had on file, which I already find highly suspicious in this age of Identity Fraud. However, I sent in the proper documentation, and when I attempted to contact a LIVE person via the issue, I was not able. There was no response via the " contact us '' option, and even the customer service phone number, which was supposed to be available 24/7 was entirely automated and stated, " there are no customer service representatives to address your issue at this time. '' and AUTOMATICALLY DISCONNECTED. I am NOT ABLE to make any changes regarding the card they have on file, I am not allowed to close my account, and I am not allowed to transfer the money into the back account. PAYPAL IS HOLDING MY PAYMENT HOSTAGE, AND WILL NOT TELL ME WHY, HOW LONG IT WILL TAKE, NOR ANSWERING ANY OF MY ATTEMPTS TO MAKE CONTACT REGARDING THIS ISSUE. and I can not even close out my PayPal, Inc. account. I want to to be contacted by A PAYPAL INC. MANAGER, THE LIMITATION LIFTED OFF MY ACCOUNT ( as there should be ZERO reason why it was placed to begin with, as I've been a customer for nearly a decade ) AND MY MONEY TO BE TRANSFERRABLE TO MY BANK ACCOUNT. They are simply holding it hostage, collecting interest on it somewhere, and refusing to deal with customers regarding this highly suspicious, borderline illegal practice. 
In addition, there are HUNDREDS OF COMPLAINTS, regarding this issue, via the community message board in paypal, and also the XXXX XXXX XXXX as well. The consenus is that paypal refuses to acknowledge why limitations are placed on accounts, and it takes MUCH longer to resolve these issues than the customers were being told. In addition, the services representatives, when customers HAVE been able to access LIVE people, have been severely rude.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-01 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: NE

Complaint narrative:
My twin brother just moved to Nebraska where I live at 2 weeks ago and he tried to get his social security card so he card so he can start working. he said when he applied online to get his social security card, it wouldnt let him. he said his social security number was froze.So he went home and my sister did a credit report on experian using his social and all my information showed up like my old adressess, bank info, loan info etc. so he printed out the report and went to my bank. when he got there he told them his social security number was on the account. the bank told thim that it wasnt. he even showed the bank the experian report and again they told him that it wasnt. so the bank called me while i was at work and asked me if i had a twin and i told them yes. so i left work early and went straight up to the bank to see what was goin on. they told me what happened so they told me to check my credit report and see what happened. i checked my report on experian also and it had my info but with all his debt on it like hospital bills from indiana that been sent to different collections. all his debt was on my report. when i scrolled all the at the bottom of the page it had his name on 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 2020-11-01 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020 SECOND BOX REMOVE THESE INACCURATE FALSE ACCOUNTS IMMEDIATELY

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 2020-11-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020 SECOND BOX REMOVE THESE INACCURATE FALSE ACCOUNTS IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX. with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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