vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: PA

Complaint narrative:
Towards the end of XX/XX/2020 I tried to transfer money from my relia card to my bank account and for some reason the transfer did not go through and I was contacted by text message to verify my identity through a picture document and a selfie which I supplied. I was told my money would be released in about 5 Days it is going on about 6 weeks and numerous phone calls to no avail I really need my money and cant get 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 2020-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: PA

Complaint narrative:
I contact Receivable performance on approx XX/XX/2020 about a notice that I received that I owed XXXX XXXX. I asked for validation NOT verification letter. Attached you will see letter I received from Receivable Performance. I contented that it did not meet FRCA standards, that require validation not verification, There I want this item removed from all 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 2020-12-06 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
XXXX XXXX XXXX {$2000.00} Highest Balance {$6000.00} Account Dispute Payment never late FCRA violation. How is this verified? Not Late. Inaccuracies placed on my report. I will enclose in my attached documents, with wrong names, addresses on my report.

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 2020-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I registered for the PayPal promotion at https : XXXX on XX/XX/XXXX. ( Please see the proof in the first attachment ) The promotion offers a {$25.00} cash reward after three purchases of {$35.00} or more using PayPal at XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX. 

I made the 3 purchases at XXXX on XX/XX/XXXX ( Please see the proof in the second attachment ), but did not receive the {$25.00} credit as promised from the promotion. The promotion fulfillment window of XXXX business days has now passed, and PayPal has not credited the reward. 

I had contacted PayPal support several times, who has been unable to resolve this issue. 

The promotion is still active and being advertised at the original link as of today, XX/XX/2020. 

I appreciate your help in resolving this issue and having the {$25.00} reward applied to my PayPal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates, LLC has reported a collection on my credit profiled that has not been verified with sufficient information. I've requested a copy of the signed contract showing that I was informed of my right to dispute the initial filing and the signed contract showing that I authorized and agreed to conduct business with them to begin with. They failed to provide me with any documentation showing an agreement of our business or a copy of my photo ID or social security number. In addition to this, I have requested that they provide me proof that they're licensed to conduct business with me in my home state of Florida. They've been notified on the following dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 None of these requests were met with sufficient verification, yet Portfolio Recovery Associates, LLC has refused to remove this collection filing from my report. Instead they have repeatedly harassed me by calling from an abundance of phone numbers, many calls happened late in the evening at XXXX. I have received calls from the following numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WILSON & ASSOCIATES, PLLC
State: TN

Complaint narrative:
Wilson and associates sold my property on XX/XX/XXXX and again on XX/XX/XXXX and now they fixings to sell it again if they were not the trustees on XX/XX/XXXX how can't they be the trustees on XX/XX/XXXX I haven't sign Any thing

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I paid all the company I owed in the past and they are showing up still on my credit report as Charged off after I paid all of them. I wrote them and ask to remove them from my credit report and still got no answer from them or no action.

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 2020-12-06 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have been receiving fraudulent charges on my card and Citibank refuses to rectify the situation. I have filed a prior complaint and was told the problem had been resolved but I got another re-bill from Citibank on this months statement. 
My complaint number is XXXX. 
On this months statement there is a rebill charge of XXXX. 
Please help me fix this problem

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 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: Santander Consumer USA Holdings Inc.
State: OK

Complaint narrative:
Santander has not removed the tradelines from my credit report in my wifes name. They agreed to do it based off the lawsuit settlement. I disputed for them to remove and they refuse to. I even disputed with the three major credit reporting companies. 

Based on the multistate investigation, the coalition alleges that Santander, through its use of sophisticated credit scoring models to forecast default risk, knew that certain segments of its population were predicted to have a high likelihood of default. Santander exposed these borrowers to unnecessarily high levels of risk through high loan-to-value ratios, significant backend fees, and high payment-to-income ratios. The coalition also alleges that Santanders aggressive pursuit of market share led it to underestimate the risk associated with loans by turning a blind eye to dealer abuse and failing to meaningfully monitor dealer behavior to minimize the risk of receiving falsified information, including the amounts specified for consumers incomes and expenses. Finally, the coalition alleges that Santander engaged in deceptive servicing practices and actively misled consumers about their rights, and risks of partial payments and loan extensions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services
State: MI

Complaint narrative:
I took out a personal loan for a total amount of XXXX. The representative did not disclose the interest rate of 776 % to me during the initial phone call. After reviewing the financial agreement I will be paying a total of XXXX back which is extremely high. I took my loan out on XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
Date Opened XX/XX/2016 by DESIGNED RECEIVABLE SOLU XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX For original creditor : XXXX XXXX XXXX XXXX ( XXXX XXXX ) For a hospital visit. At the time I went to this hospital for a visit, I had XXXX insurance / XXXX XXXX XXXX ( XXXX  XXXX XXXX ). 

Insurance already paid this bill : Balance {$3400.00} Original Amount {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources
State: VA

Complaint narrative:
I did not receive a notice of debt. I never paid this company anything. I saw the amount on my credit report I contacted the company and was told my balance was XXXX. I never gave them a dime.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I got a notification on my phone someone used my social Security number to apply for credit card and load without my permission and I would like to remove those 4 hard inquiries off my credit report please

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 2020-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: WI

Complaint narrative:
I was recently denied a credit card and when I reviewed my credit report I saw this fraudulent account on my credit files. I have never conducted business with the company reporting this debt LJ ROSS Associates XXXX XXXX {$1900.00}. This account is not mine and I have notified the credit bureaus that this account is fraudulent.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I paid all the company I owed in the past and they are showing up still on my credit report as Charged off after I paid all of them. I wrote them and ask to remove them from my credit report and still got no answer from them or no action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 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: STERLING JEWELERS, INC.
State: NY

Complaint narrative:
I paid all the company I owed in the past and they are showing up still on my credit report as Charged off after I paid all of them. I wrote them and ask to remove them from my credit report and still got no answer from them or no action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 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: NY

Complaint narrative:
In an ongoing matter previously brought to CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX continues to receive negotiable instruments and refuses to process them. The previous case has been closed by CFPB and sent to another agency but this matter specifically involves EXPERIAN a credit reporting agency. I have provided proof that XXXX has received a negotiable instrument with XXXX XXXX as the drawee and they are reporting to EXPERIAN that they have not received anything. If they are refusing to acknowledge that they have received this last negotiable instrument under duress and/or coercion which the USPS shows is received on XX/XX/2020 it stands to reason that they have done this same act previously as I have called to the attention of CFPB. XXXX has not stated under full commercial liability that they have NOT RECEIVED the negotiable instruments but only that the account is delinquent. By law they must process the negotiable instruments and if there is a reason for them to be rejected they MUST send a notice of dishonor to either the drawer that is the author of this writing or the drawee that is XXXX XXXX XXXX, NA in this instance. XXXX 's behavior is now affecting other banks like XXXX XXXX XXXX, XXXX. and they must be stopped. The accompanying evidence is provided for your inspection. I demand that EXPERIAN remove the recently listed adjustment on the XXXX account on the debtor 's credit file as this is erroneous and/or false.

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 2020-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
I moved and did not receive a notice of debt. I currently still go to the same doctor and was not informed of the debt.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
Consistent and ongoing problems with making monthly payments. My account number is frequently responded to as " invalid '' along with my phone number, both of which have remained unchanged during the nine years I've had my loan with this company. My attempts to resolve such issues require massive amounts of time that I can not spare on the telephone and are always temporary, as it is a recurring problem. Their files are slow to update payment information that I've made which has already been confirmed by my personal bank. The only payment option that doesn't add a $ XXXX/month 'fee ' is their AutoDraft option, which would require me to give them access to my bank account which I'm entirely uncomfortable doing, given their nine years of apathy, lack of customer service and administrative incompetence. They shouldn't be able to force me to add a {$10.00} fee to every payment. These same issues have to be resolved almost monthly with hours spent on the phone to get results. I've tried to communicate the problems to their customer service representatives, but with no resolution and they refuse to allow me to speak a supervisor or anyone else in a position of authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 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: NJ

Complaint narrative:
Earlier this year, Capital One and their lawyers XXXX, XXXX, XXXX  XXXX, XXXX filed a suit against a person at my address with the same name as me. 

I called them and we collectively concluded that the social security number and date of birth did not match. They said they would remove the case. 

This week, I received a subpoena stating that I had to pick a payment plan or I would be impressioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION
State: NV

Complaint narrative:
I had an account with BBVA. I called over the phone to close the account down due to some financial difficulties. The representative stated she would close the account. Three months later I discovered BBVA did not close the account. Instead the charged me NSF fees and monthly service fees. BBVA has now sent my account to collections. I am disappointed by BBVA. I plan to let everyone know of its unethical business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 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: World Acceptance Corporation
State: GA

Complaint narrative:
XXXX did not look at evidence that world finance fraduently reported i had a new loan account XX/XX/2020 they did this to me in XX/XX/2020 if they had actualy researched this they would have found them to have illegally refreshed this account that was not with them. i will persue legal action against both companies as i see now iam getting absolutely no where this is illegal practices what is he fair credit act for????? this is not a new account and then they reported it closed XX/XX/2020 both companies ridiculous they need to do there job. look at the dates and evidence that will tell you you cant put something on someones credit report twice!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 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: CITIBANK, N.A.
State: MO

Complaint narrative:
I have written to dispute and request to investigate multiple times to all credit reporting agencies, XXXX, XXXX  and XXXX, and Citibank, NA XXXX XXXX XXXX XXXX, XXXX XXXX SD XXXX, three - ( 3 ) times, to have a report of 30 day late payment from XX/XX/XXXX removed from my record or to have their refusal to change this erroneous data explained. My payments are due on the XXXX  of each month. In this instance a payment of {$230.00} was made and credited to my account on XXXX XX/XX/XXXX which satisfied the late amount owed in addition to a late fee ( which is correct and accepted ) and the new monthly amount for XX/XX/XXXX. This account was late 17 days in XXXX of XXXX but was and has never been 30 days late. In XXXX of XXXX the card itself was paid off in entirety, {$2800.00}. I have submitted all proof via statements, letters and bank drafts and Citibank has refused to remove the late payment or provide explanation as to why they still contend the information is correct. 

These disputes were conducted in XXXX, XXXX and XXXX of 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 2020-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Offices of Hayt, Hayt & Landau, LLC
State: NJ

Complaint narrative:
Earlier this year, XXXX XXXX and their lawyers Hayt, Hayt, and Landau, LLC filed a suit against a person at my address with the same name as me. 

I called them and we collectively concluded that the social security number and date of birth did not match. They said they would remove the case. 

This week, I received a subpoena stating that I had to pick a payment plan or I would be impressioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX did not look at evidence that world finance fraduently reported i had a new loan account XX/XX/2020 they did this to me in XX/XX/2020 if they had actualy researched this they would have found them to have illegally refreshed this account that was not with them. i will persue legal action against both companies as i see now iam getting absolutely no where this is illegal practices what is he fair credit act for????? this is not a new account and then they reported it closed XX/XX/2020 both companies ridiculous they need to do there job. look at the dates and evidence that will tell you you cant put something on someones credit report twice!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
It has come to my attention that a WELLS FARGO BANK, N.A. check numbered XXXX was successfully received by the XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX but the funds were never delivered to XXXX by WELLS FARGO BANK, N.A. If XXXX is dealing in good faith it stands to reason that WELLS FARGO BANK, N.A. failed to honor the negotiable instrument that was sent to XXXX. It is the duty of WELL FARGO BANK, N.A. to make the funds available to the payee of the negotiable instrument once the negotiable instrument is processed. WELL FARGO BANK N.A. 's apparent failure to process the negotiable instrument as required has negatively impacted a debtor 's credit file causing it damage.

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