vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-16 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: ID Analytics, Inc.
State: IL

Complaint narrative:
Thre major Credit reporting companies XXXX, XXXX XXXX and XXXX reports Fico number on me between XXXX to XXXX and here is a compny call SageStream LLC scoring my name and my credit at XXXX as of XX/XX/2020. 
I was trying to cosign for a frien with good credit to get a car loan at a better rate of interst because I thought that my score been higher will help, is matter of fact at did the day that day we sign the contract the car dealer gave us the worst case % that will be charging. 
then on XX/XX/2020 I get a letter indicating that they regret to infor me that they can't agreed to the terms first writen in the contract beacae of the score I got from Sage Stream. When I try to contact them they don't have anybody I can ask about my score only if I give Lots of personal information to them, I was worn by XXXX XXXX not to share such information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Key 2 Recovery, Inc.
State: VA

Complaint narrative:
Key 2 Recovery has been calling me to collect a debt on behalf of XXXX XXXX   University, a college that I did not attend and that I owe no money to. I have explained this to the collection agency and was told repeatedly that they would get XXXX to send a validation letter, but in many months, this has never happened. The collection agency continues to call at a harassing frequency and claims that our past conversations haven't taken place. 

On XX/XX/20 I called and spoke with XXXX XXXX about not receiving the validation letters I've requested many times and she said her records showed that " we talked about it '' but that I never told her for certain to go ahead and request a validation from XXXX. This was one of many conversations about this exact issue that we have had with one another repeatedly. Such deceptive record-keeping seems to be responsible for the many unanswered disputes and continued collection activity for charges I have never made. 

I need help making sure that this company, Key 2 Recovery, releases me from this invalid debt. Despite my efforts, their communications with me have been wholly dishonest, and I am afraid this will continue for years without any intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I have had several disputed transactions from the same individual, a XXXX lender and PayPal has blocked my access to my account making it impossible to dispute the transactions. Over the course of several months I have sent information and details regarding this person, showing how every loan he gave had been paid back. I now have lost over XXXX points on my FICO score because the first two chargebacks in XXXX were paid without my knowledge ( I had changed my email account, but they somehow reversed it and sent the first notice to an inaccessable account ). The chargebacks were submitted as " merchandise not recieved '' and I asked Paypal to get the invoice info to me, knowing that there were no invoices. These were NOT valid chargebacks, but I was told on the phone that the cc companies issuing the chargebacks took precidence and that they had to refund money even if it was not owed. A manager told me that she saw and agreed that I had been scammed, but it wasn't Paypals problem as they just transfer money between two parties. Under the Paypal agreement, when they blocked my access to my account preventing me from disputing them, and then paid these chargebacks because I didn't " dispute them '' ( which, again, I couldn't access my account to dispute them ), they broke their contractual promise to me. XXXX chargebacks have been filed, and a collection agency is now contacting me regarding the first XXXX for a total of {$810.00}. Paypal says they have no responsibility to prevent fraud such as this. I believe they have breached their fiduciary responsibility to me and to others in allowing one person with ( apparently multiple charge cards ) to file repeated chargebacks, all of which occurred ( so far ) between XX/XX/XXXX and XX/XX/XXXX, starting the week the first stimulus payments were being sent out. Further, when they acknowledged that they recognized this as a scam, they should have acted to stop the flow of monies to the scammer. I am not allowed his information without filing a subpoena, which means I have to pay an attorney. I am on a fixed income, and I am even on food stamps. I can not pay an attorney. Please help me resolve this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I have two plans under my XXXXXXXX XXXX XXXX  serviced by Comenity Capital Bank. One of my plans is a 6-month no interest promotional plan ( expires XX/XX/2020 ) and the other is a 60-month low interest plan. The online payment system does not allow me to allocate my payments to the appropriate plans so I decided to pay off the promotional plan. 

I made a payment to close the the 6-month no interest plan and have been working with Comenity to remove that plan from my account for the past several months. Everytime I contact them they tell me that they have allocated my payments towards the promotional plan and closed it and that this will be reflected within the next 72 hours or the next billilng cycle. 

After several months of this, I still see the promotional plan on my account and it is getting close to the end of the 6-month where I will then be charged interest and other finance fees.

I have made the complete payment towards that plan and I am getting frustrated that Comenity is not closing that plan! As I indicted above, they may try to say I have not made the payment and try to charge me interest!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: FL

Complaint narrative:
Hi. I am XXXX XXXX and I urgently need your help because I am receiving letters from a collection company trying to collect {$4700.00} by mistake from the specialty pharmacy that supplies my medication. 

The drug XXXX XXXX XXXX has a monthly copayment of {$250.00} that I pay with a manufacturer 's assistance card with the copayment remaining for me to pay {$5.00} each month. 

The medical insurance of my workplace ( XXXX XXXX XXXX ) and the specialty pharmacy ( XXXX rx turned into XXXX XXXX ) denied me the medicine after XX/XX/2020 and through a foundation, XXXX XXXX XXXX supplied it to me in XXXX, XXXX and XXXX. 

When it was reauthorized in XX/XX/2020, the representative could not place the order because there was a debt of {$11000.00}. After a long wait, the presenter returned and said that he had consulted with the billing department and that the balance was negative and they supplied me with the medicine in XXXX, XXXX, XXXX and XXXX, but in XXXX I received the letter from the collection company. 

Many times I have called and written to XXXX XXXX and they only try to charge the health insurance and the copay help card again and they say that everything was solved, but the collection company keeps calling and I do not believe that the health insurance and Co-pay assistance card pays for XXXX error. 

Thanks for your help. 

Translated from XXXX  language by XXXX 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 2020-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

Complaint narrative:
I've been trying to resolve this issue with Transunion and this is my last attempt before filing a small claims lawsuit versus Transunion for their knowingly and willingly violation of the FCRA. I recently viewed my Transunion credit report and notice numerous hard hit inquiries done on my credit report without authorization & fraud. Before this incident I had 0 Hard Hit inquiries on my Transunion Credit Report. XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX  Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXXXXXX XXXX XXXX   Inquiry from XX/XX/2020 XXXX XXXX XXXX  Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX  Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 XXXX XXXX   Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX  Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX  Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 XXXX  Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020. 

The same hard hit inquiries were placed on my XXXX  & XXXX  credit report and both have addressed and deleted the hard hit inquiries. Yesterday I received a letter from XXXX  confirming their timely action & deletion of the same disputed hard hit inquiries. In regards to XXXX  they did the same but I have yet received a letter from them but I have an account with XXXX  that I can view my credit report at anytime and I was able to confirm that the inquiries were permanently removed as well. I will supply in this complaint the letter I received from 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 2020-09-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: CO

Complaint narrative:
I received a ReliaCard from US Bank, which is designed to convey unemployment benefits from the State of Colorado to the recipient. I am age XXXX, retired, and have not applied for unemployment benefits. It does not look like a fake card ; it looks very real. I read on the internet that there are scams afloat that send these cards to seniors in order to get money from them, and this is my chief concern. I have not activated my card. I can not contact the bank because the line goes dead every time I try to call.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-16 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: ERC
State: AL

Complaint narrative:
XXXX  opened a fraudulent account in my name. The person I spoke with in the fraud department said it could have been the person who lived here before me and they're placing the account under my name as a result. In order to have this account removed from my credit report, XXXX  is asking me to send them proof of residence which I don't have. They're telling me that they possibly mistakenly put this account in my name and the burden is on me to produce a document I don't have access to in order to have this fraud removed from my name. XXXX  sounds like a reckless company with unfair collections policies. Neither they nor the collections agency they've placed my account with have access to my account information because the account is too old. They can't even give me a complete address. The collections agency only has the city, state, and zip code. The collections company has no proof that I owe this debt and neither does XXXX XXXX. They're expecting me to jump through hoops to prove that I don't owe this debt but they can't even provide something as simple as an address where the service was supposedly installed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I was told that I was given a wavier period and for a couple months my account said that nothing was due. I had no idea when the waiver period would end. I was stunned that out of the blue today XX/XX/XXXX I got a call saying that my card is over {$400.00} due. I got high interest fee charges and a fee charge in XXXX I didn't know about. I have found the communication and the explination from citibank to be very poor. This is so frustrating that when I am doing paying this card off I will no longer bank with citibank ever again. The bank is very unhelpful even when the person called me today to say that {$400.00} due on my account. They should not have waited until {$400.00} was due to let me know. I had no idea the card payments were going to stop in XXXX and I would be charged. The communication by citibank was very poor.

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 monetary relief
Consumer complaint received 2020-09-16 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: AMERIS BANCORP
State: TX

Complaint narrative:
XX/XX/2020 my car loan with Ameris Bank was reported as closed, lowering my score 75 points across all reporting agencies. XX/XX/2020 my credit was reported correctly with the information updated to reflect that my account was still current and open. I am still paying on this loan. As of XX/XX/2020, the account closed again and my credit dropped. I filed disputes in XX/XX/2020 with all 3 agencies and have called Ameris Bank multiple times with no resolution. Due to this, I am no longer eligible for financing for a mortgage loan. I am filing another dispute with all credit agencies in order to get this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
XX/XX/2020 : we booked a trip to XXXX through XXXX XXXX XXXX, using teh Chase Sapphire card Cost XXXX XXXX XXXX : XXXX  cancels trip ( no refund, credit offered, but not accepted for future travel ) Note : numerous calls and emails to XXXX  for a refund went unanswered. 
XX/XX/2020 : we submit on-line dispute to Chase ( Sapphire Prefered ) On-line recommended on site, 6 - 8 week response, no ability to submit documentation. 
XX/XX/2020 : Chase confirms dispute # XXXX XX/XX/2020 : Chase rejects the dispute, including FAX from XXXX claiming we did not cancel. Correct, we did not cancel, they did and we wanted a refund not a credit. 
XX/XX/2020 : we contact Chase, via phone, and are told to provide documentation showing XXXX canceled the trip. Documentation is mailed to supplied address XX/XX/2020 : Chase confirms dispute # XXXX. 
XX/XX/2020 : XXXX enters " Administration '' aka bankruptcy XX/XX/2020 : Chase rejects the dispute, again, saying charges were valid XX/XX/2020 : we contact Chase ( XXXX, Supervisor ) told dispute rejected because of timeliness and we had no recourse. Called again ( XXXX ) told time was extended and we we had 3 days to submit documentation, FAX was not and option for us. We were then transfer to XXXX, XXXX who said we had no claim or options. We then gave up. 
( note : dates on Chase correspondence is their date, receipt of letter is about 7-10 days later )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
Hello- This is relating to a mortgage that I have with Quicken Loan. My insurance company federated national dropped the ball on XX/XX/2020 because they were unable to inspect my property. On account of Covid, its a difficult situation to get the home inspected. They couldn't co-ordinate the date of inspection so federated national decided not to issue me an insurance. Upon receiving a letter from the Lender QL, i decided to shop for alternate insurance providers. Post which i was able to procure the new insurance starting XXXX of XX/XX/2020. Now both my prior insurance company XXXX XXXX and the new insurance company XXXX are not willing to cover for the gap days between XX/XX/XXXX and XX/XX/2020. 

The Lender has the provision to cover the gap from XX/XX/XXXX to XX/XX/2020. So I had a telephonic conversation with QL on XX/XX/2020 to take out the money for the gap days which is about {$79.00} and close on the insurance. Per QL they will send me 3 notices before they can use my escrow money to cover for gap days. Which amounts to about 60 plus days post which they will cover me for the gap days. This is a bit weird. They are sending me notices for the gap days, while I'm willing to pay the amount and get over with it. Per QL this is the process that they follow.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I was contacted in XXXX 2019 to pay {$220.00} on a {$300.00} credit limit because the card had been closed. 

I paid the amount and it was still sent to collection as a charge off in XX/XX/2019. 

I have contacted Synchorony Bank and the collection agency and it has not been updated

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 2020-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Inaccurate criminal information on my credit report. I was denied a place of residence because of this. I never had a felony charge on my record. Im not a felon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: American Accounts & Advisers, Inc.
State: MN

Complaint narrative:
Good morning, My official complaint, On XX/XX/2020 I paid 2 debts in full to the original company, XXXX XXXX. I sent a letter and proof of payment to the creditor, American Accounts & Advisers , INC. on XX/XX/2020. In that letter I requested proof of removal from my credit report within 30 days of receiving my letter and proof of payment. I never received anything from them to this date, XX/XX/2020. This debt continued to be reported unpaid by American Accounts & Advisers , INC. for the next 4 months, I attempted to dispute this with XXXX multiple times during that period but due to COVID there we not taking care of disputes due to staffing. On XX/XX/2020 I called XXXX and was able to talk to a person that submitted the dispute for me. I asked XXXX  to direct me to a place where I can make formal complaint against American Accounts & Advisers , INC. inability to do their due diligence in removing a paid debt from my report that they knew was paid. I called the number and it was American Account & Advisers , INC. I was quickly directed to XXXX 's voicemail. I left an extremely professional message indicating this debt is paid and their lack of response is to say the least disappointing to blatantly ignore a paid debt and not do their due diligence to remove it from collections. I received a call this morning to say it is now reported paid. I asked what caused their lack of due diligence to report and why it took them 4 months. There was silence and I was given no reason at all, none. The phone call was recorded. I have been in the process of trying to get approved to buy a home, build my credit portfolio and been denied multiple times due to this debt not being reported paid. It has directly affected my life and what I am trying to build for myself and my family. 
These companies will harass you night and day but the moment we need them to report a payment, no response. It needs to stop and there should be consequences for companies that do this. 
Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC.
State: KS

Complaint narrative:
On XX/XX/2020 I opened a checking/savings account with First Citizens Bank through an offer I received stating that I could earn a {$300.00} bonus within 120 days for completing the following requirements : - Establish a direct deposit of at least {$1000.00} per month or make 10 debit card transactions within 90 days of account opening. 
- Enroll in eStatements. 
- Open new Savings Account I completed all of these requirements and did not receive the additional {$300.00} after 120 days. I contacted First Citizens through their online messaging system to inquire about the bonus on XX/XX/2020 to which I received a reply stating they would look into the issue. As of XX/XX/2020 no response had been given. I again tried to contact them on XX/XX/2020 and as of today they have not replied. 

It is my belief that First Citizens Bank is withholding the bonus which I rightfully earned and is ignoring my requests.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-16 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: CA

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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