vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-14 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: OH

Complaint narrative:
There is an account on my credit report listed as XXXX XXXX XXXX Account XXXX. The creditor provided conflicting documentation regarding the balance and is not able to verify the correct balance for the account. This documentation was provided to Experian. However, Experian 's response to the dispute is as follows : " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' Experian disregarded the evidence submitted in my dispute and simply sided with a response from the creditor. This is clear violation of the Fair Credit Reporting Act. 

The account can not be validated for the following reasons : 1. XXXX XXXX has documentation claiming repossession costs are {$250.00}. However, XXXX XXXX has documentation showing {$370.00} of repossession costs were added to balance. 
2. XXXX XXXX has documentation that shows a credit of {$77.00} was issued to balance for cancellation of GAP insurance. However, the credit does not meet terms of contract provided by XXXX XXXX. Note that 12 months of insurance was not used, therefore a credit of {$140.00} would be expected. 
3. Experian is reporting 3 charge offs for one account on my credit report. The account was not charged off 3 times. 

Please see enclosed documentation, which proves the balance can not be validated and that 3 charge offs are not correct.

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 2020-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I received a default request in XXXX from XXXX XXXX XXXX, law firm, on behalf of MRC Receivables Corp regarding a debt initiated by my ex-wife. We have been divorced for over 26 years. Originally I didn't know what the debt was so I sent them a letter stating I was not aware of the debt. They responded with an assumed Debt Validation Form listing creditor XXXX XXXX  XXXX. The address on the so-called form was not where I shared a residence with my ex-wife. 

Each year just prior to income tax filing, I receive a Request and Writ for Garnishment of a state income tax refund. I am a XXXX veteran who have not had steady employment for over 26 years thereby have not filed an income tax return. I have sent numerous responses and explanations to this law firm with no positive results. Due to their consistent threats, I filed a grievance with the Attorney Grievance Commission against them. 

On XX/XX/XXXX I informed them of my rights and that the statue of limitations for filing judgments in the court system in Michigan is against the law. They responded on XX/XX/XXXX stating " MCL 600.5809 ( 3 ) provides that the statue of limitations for a judgment is ten years. Additionally, this statue allows the judgment to be renewed for an additional ten years upon timely application -- a motion to renew the judgment was filed on XX/XX/XXXX. '' Companies involved are : MRC Receivables Corp and XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MI XXXX I have copies of all these transactions. They are suing me for {$2100.00}. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Due to challenging financial circumstances, I filed for XXXX XXXX Bankruptcy. As my circumstances worsened, I ultimately had it converted to XXXX XXXX and was discharged XX/XX/2019. On my list of debtors, my private student loan under for roughly {$7000.00} under XXXX was included. While I was not expecting this loan to be erased, a quick reference in XXXX XXXX showed the loan as either payed off or closed, which I have screen shots of. I used this information to move forward with building the rest of my credit, not paying toward my XXXX private student loan, and not realizing my loan was still active. I fell behind on my private student loan payments which has lead to " late payments '' showing on my credit report, negatively impacting my credit score. This has negatively affected my ability to apply for a VA Home loan due to the late payment remarks on my credit report. With good intentions, I contacted the private loan company and have setup payments to bring my account back up to current and am continuing to make on time payments. Though I take responsibility in missing such an important detail, I would like to reach out for assistance in having these late payment remarks removed from my credit report if possible. This was a misunderstanding on my end, as well as my private student loan company who never received a copy of my bankruptcy, neither XXXX XXXX nor XXXX XXXX. At the moment, I am simply continuing to make on-time payments.

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 2020-01-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Due to challenging financial circumstances, I filed for Chapter XXXX Bankruptcy. As my circumstances worsened, I ultimately had it converted to chapter XXXX and was discharged XX/XX/2019. On my list of debtors, my private student loan under for roughly {$7000.00} under XXXX was included. While I was not expecting this loan to be erased, a quick reference in XXXX XXXX showed the loan as either payed off or closed, which I have screen shots of. I used this information to move forward with building the rest of my credit, not paying toward my XXXX private student loan, and not realizing my loan was still active. I fell behind on my private student loan payments which has lead to " late payments '' showing on my credit report, negatively impacting my credit score. This has negatively affected my ability to apply for a VA Home loan due to the late payment remarks on my credit report. With good intentions, I contacted the private loan company and have setup payments to bring my account back up to current and am continuing to make on time payments. Though I take responsibility in missing such an important detail, I would like to reach out for assistance in having these late payment remarks removed from my credit report if possible. This was a misunderstanding on my end, as well as my private student loan company who never received a copy of my bankruptcy, neither chapter XXXX nor chapter XXXX. At the moment, I am simply continuing to make on-time payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've uploaded my court documents several times in regards to a fraudulent bankruptcy that appears on my credit reports with XXXX/experian/and XXXX that clearly explains the filing that appears was a result of identity theft and has been flagged by the federal court judge as such as of XX/XX/19. But they repeatedly refuse to remove/add a personal statement flagging the item as identity theft.

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 2020-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Sold a mobile phone ( XXXX XXXX XXXX XXXX ), ( new open box ) on XXXX on XX/XX/XXXX to Buyer. Payment was received on XX/XX/XXXX through PayPal ( {$140.00} ).  Item was shipped by me the Seller, to the Buyer at address provided. Tracking information provided in screen shot from XXXX on attachment. Item was delivered on XX/XX/XXXX. 

Buyer had a question using a sim card and sent this correspondence through XXXX. Seller responded, then Buyer had another question on accessing the phone. Seller provide link on how to reset phone and Buyer responded all okay. Buyer has acknowledged receiving the phone, taken pictures of it and started using the phone. 

On XX/XX/XXXX the Buyer filed a complaint with their financial institution and requested back all monies they paid. PayPal sent an email to Seller, noting this complaint in Sellers 's account. Seller provided documentation showing Buyer was delivered the phone, has been using the phone for 4 months, and has not returned the phone. This documentation was uploaded to PayPal and supposedly forwarded to the Buyer 's financial institution. Buyer 's financial institution subsequently debited Seller 's account by {$140.00} plus a {$20.00} charge back fee.

During this time Seller spoke to XXXX and PayPal numerous times. XXXX, claims to only holds Seller / Buyer records for 30 days. Thus providing no means for Seller to access records or providing any Seller protection when fraud is being committed on behalf of a Buyer.  Additionally, XXXX received their fees from Seller on item sold and also has not refunded these fees to Seller. XXXX claims this is out of their control and after 30 days washes their hands of matter. Note : USPS limits tracking to 120 days. 

PayPal, notes they offer " Seller Protection '' but this is a complete misnomer. " Seller Protection '' would imply if fraud or other criminal activity occurs Seller would be protected and be reimbursed or have protection of funds received. However, " Seller Protection '' under PayPal is actually only a conduit for the Seller to respond to a one way conversation in a dispute such as this. 

All persons Seller spoke to on XXXX and PayPal agreed that this claim by the Buyer was fraudulent but offered no remedy to the Seller. PayPal additional would not provide Seller with the name of financial institution that initiated the charge back or provide a means to contact this financial institution 's fraud department, thus adding to their complacency in this wire fraud scheme. Additionally, both companies indicated ( in speaking to various representatives ) that this type of fraud happens all the time. 

PayPal and XXXX both have a fiduciary obligation to protect their financial networks from fraud and criminal activity. Both companies offer no protection to Sellers based on fraudulent activity such as this or take any steps to curb this activity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-14 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I was offered XXXX bonus points if I signed up for the Amex platinum card and spent XXXX USD in 3 months. I signed up for the card and was approved. There was no notice that I was not eligible for the XXXX bonus and in fact I was told that I was eligible approximately three times by Amex employees in 2019 in multiple phone calls ( these should be recorded ). I was told that I hit the goal and the points would be added to my account in six to eight weeks ( was told this on multiple occasions by Amex on recorded calls in 2019 ). 

In the past week I was told that I was not eligible for the bonus even though I was approved, was told that I was eligible multiple times by Amex employees, I hit the spending target within three months ( confirmed by amex employee on recorded call ), and I paid my bill in full. 

Amex managers have been unhelpful so far unfortunately. My personal account is in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Bridgecrest Acceptance Corporation
State: LA

Complaint narrative:
On XX/XX/XXXX, I traded in a XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX. I gave the dealership the pay off information for the XXXX XXXX XXXX with the company 's name which is Bridgecrest. When I was first contacted by Bridgecrest, I informed them the vehicle was traded in and it was in the hands of XXXX XXXX XXXX. I was asked by the caller if they were going to pay the vehicle off and I said yes they were. Then they pulled up my account and indeed saw a pay off request was done on the very day of the trade in. They also told me they would document the pay off date which was at the time good through XX/XX/XXXX. On XX/XX/XXXX, I was contacted again about payment and once again I told them the vehicle was traded in. As the caller went through my account, she indicated that XXXX XXXX did in fact contact them because they were sending them the pay off and the new pay off was good until XX/XX/XXXX. All I could tell them was ok but I no longer have the vehicle and if XXXX XXXX contacted you and told you they had the vehicle and they were paying it off, why call me? I was told I will still continue to receive phone calls until the pay off check was received. At this point, this is indeed harassment and it is illegal to harass someone after you were told and it's documented in the account that XXXX XXXX has the vehicle and they are sending you and pay off. Everyday, Bridgecrest continues to call and harass me and every single time, they indicate the vehicle is in the possession of XXXX XXXX and they are waiting for the pay off check but they have to continue to call me. No, you do not need to call me if the dealership told you they were paying it off and they are the ones in possession of this vehicle. I will be looking into speaking with an attorney regarding this harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2020 I tried to use my Capital One credit card to pay the copay on a medical procedure and it was declined. When I called to find out why the representative told me my account was restricted and would not tell me why until he " verified '' the account. 
I refused to give my cell phone number ( they do not have it as far as I know. ) and what told he could call my home number but I had to stay on the line. I was calling from my cell phone and my home phone calls are forwarded to my cell phone. This would necessitate me disconnecting/holding the cell phone call in order to answer the forwarded home call. 
The rep then said I had to provide my state issued ID card front and back in order to release the restriction on the account. This puts my identity as more risk because they already have my social security number and have had a recent breach. 
I asked to speak to a supervisor and after a long wait was transferred to a representative in the US. ( I confirmed that the company outsourced there customer service to XXXX or the like with XXXX XXXX, a supervisor. ) XXXX mentioned that general reasons for restricting an account have to do with " additional concerns '' and would not go beyond that information ... other than implying that my card was restricted due the homeland security and the Patriot Act. 
This is ludicrous. The Patriot Act was put in place to protect America against terrorism and potential terrorist acts. 
When I questioned XXXX on why I was not sent a notification via email that there was a problem with my card and " potential identity theft '' he responded that not all card holders have an email address. However, Capital One sends me about three email messages per month and this did not seem like a truthful answer. 
I have no idea why this happened. I have been a card member with Capital One for about ten years. I pay on time and over the minimum amount each month.

It seems unlawful and against US Code to require images of an ID card to be sent through the internet to release a freeze on an account. A freeze that seemingly has no legitimate reason and no indication is disclosed to the card holder. Additionally, they refused to report the card lost or stolen and issue a new card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: Credit Plus Inc
State: NJ

Complaint narrative:
There is a hard inquiry on my credit report from this company credit plus on XX/XX/19. I contacted this company and it is a mortgage company which is baffling considering I rent and have not been in the market for any purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Century Finance, Inc.
State: NC

Complaint narrative:
I have had a loan with this companies for over a year. I had a death in the family and I ran into some hard times. This company has been harassing me by coming to my home to leave a note, reaching out to family members who in turn contact me out of concern. I am scared to go home after work each day for fear someone is out there waiting for me. The company has been emailing me at work as well harassing me which I had to turn the block messages sign off so I won't get upset at work. It has been very stressful. They call at all hours.

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 2020-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Union Home Mortgage Corp
State: IL

Complaint narrative:
My name is XXXX XXXX. I have a mortgage with Union Mortgage and my taxes went up 3x. We are struggling to make the payments. I have asked the mortgage company to spread the shortage more than 2 years. Right now it is still almost XXXX more a month than what we were paying. I need help!!!! I know mortgage companies can spread the shortgages longer than 2 years. Its just their preference to do it for 2 not to hold it on their books. XXXX does not have a 2 year limit. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Absolutely atrocious customer support for nearly TWO weeks that completely failed to resolve a transaction dispute with full proof and uploaded claim info. 

Bank of America continously closed my claim with generic responses. Yet, literally every person I talked to agreed it was a very easy closed cased, offered their sympathies, and made notes on my claim to ensure it was " properly handled ''. 

Either this is fixed and my claim is handled properly or I promptly shut down every one of my accounts. 

If I walk into a store and buy X and they hand / ship my Y that's entitled to a refund. Similarly, if I pay for something and the provided service by the company is extremely unprofessional and sexual harrasment that does as well. 

Your handling of this has been absolutely disgusting.

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 2020-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: INVESTORS BANK
State: NY

Complaint narrative:
I went to the branch to open an account they opened me a wrong Account with a monthly fee I dont want this I want u style  checking which avoids the fee with meeting a balance of {$1000.00} daily this is not fair and not what I requested I called customer service they told me to visit a branch ridiculous they cant change the product type

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: WV

Complaint narrative:
My complaint is against First National Bank of PA that has not accepted payments made to my son 's auto loan. 
My mother, XXXX XXXX XXXX has made 6 electronic bill payments from her checking account with XXXX XXXX XXXX XXXX XXXX to my auto loan with First National Bank and none of the payments have been credited to the loan. My mother and I have made calls to First National Bank trying to clear this up ( XXXX XXXX, XXXX, & XXXX, XXXX ). THe bank and the bill payment center have confirmed that payments were electronically sent to the correct address and loan number. The bill payment center and my mother had a 3 way conference call on XX/XX/XXXX explaining the situation. The bill payment center faxed the payments ' information that day showing proof of payment. As of today, XX/XX/XXXX,  First National Bank still has not deducted the 6 payments total of {$1600.00} from his loan balance. I have been sent letters for delinquent account stating I will be turned into the credit bureau because they have not received payment. Their bill payment department needs to research and locate the payments since dates have been given to them with reference numbers when payments were sent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was surprised when reviewing my credit report and found a 30 day late payment on XX/XX/2019 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation