vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-09 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: NV

Complaint narrative:
I am a victim of identity theft  my wallet with all my personal information was stolen and used to open unauthorized accounts. Enclosed is a copy of my police report and proof of identity. 
XXXX XXXX  XXXX/XXXX account # XXXX XXXX/XXXX XXXX account # XXXX XXXX XXXX account # XXXX Are accounts open due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: NV

Complaint narrative:
I am a victim of identity theft my wallet with all my personal information was stolen and used to open unauthorized accounts. Enclosed is a copy of my police report and proof of identity. 
XXXX XXXX  XXXX account # XXXX XXXX/XXXX XXXX  account # XXXX XXXX XXXX  account # XXXX Are accounts open due to 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 2020-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Today on XX/XX/2020 I tried to send my friend XXXX a single mother struggling to feed her kids, XXXX . I by accident sent it to the wrong person. I contacted pay pal and they said they can't do anything about it. They told me to email her and ask for it back. This is crazy. They Needed that AND IM STRUGGLING TOO. AT A TIME LIKE THIS THIS IS HOW IM TREATED. I NEED HELP PLEASE ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: CA

Complaint narrative:
Midland Credit Management and I had a working relationship before COVID-19 hit. At this time I was looking to switch banks because my bank was not as secure as they claimed so I tried to contact them to ask if I could put my payments on pause while I rode out COVID-19 to seek employment and transferred my banks. They had no 'pause ' button for payments nor any option to seek a hold until I could get back to paying them once more, so I was forced to stop payments and figured I could simply resume when I was capable ( which California is still rocky on when things will be entirely reopened or back to somewhat normal ). As there was no way to discuss this with anyone online or to put a temporary hold on payments in any fashion, it was the only logical option I had. Keep in mind, I had made many payments to this account over the last year or so. My original balance of {$2300.00} ( {$2400.00} with interest ) has since dropped to {$1600.00} - so that's proof I've been paying off this debt as much as possible. 

Now, I got a letter today on XX/XX/2020 stating if I didn't pay the {$1600.00} due BY XX/XX/2020 then I would be sued by the company. Not only was I not home to make this call when their lines were open, for personal reasons, but there was no way to leave a message to dispute this lack of warning and threat of a lawsuit because their 'voicemail inbox is full '. 

So I was not given a warning that led to this legal action, I was not given a validation notice, an ability to respond in writing nor any notice leading up to this but I was also not capable of calling to dispute. All of which are illegal, if I'm not mistaken. 

To top that off, my past payment history is not available on MCMpay due to me having to cancel payments - I'm sure. Which means I can not provide you with any receipt of my transactions because they are with my old bank and MCMpay has erased them as if I never made them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: MARINER FINANCE, LLC
State: FL

Complaint narrative:
Mariner Finance is double reporting and I would like them to update the balance to XXXX since they sold the account to another debtor who is also reporting the same debt which is a violation of the Fair Credit Reporting Act. The unpaid balance is {$5800.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I am a victim of XXXX XXXX After being denied access to opening a checking account with a credit union. I ordered a copy of my Chexsystem report. I noticed on the chexsystem report fraudulent accounts that were opened under my name XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, and XXXX XXXX. My consumer ID # XXXX. 


I request that you provide me a description of the procedure you used to determine the accuracy and completeness of the bank 's information. Please send this information to me within fifteen ( 15 ) days of the completion of your reinvestigation. In addition, please provide the name, address, and telephone number of each person you contacted at XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, and XXXX XXXX  regarding my alleged account. 

I also request a copy of any documents submitted to you by XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX, that bear my signature and show that I have a legally binding contractual obligation to pay them. 

Be aware that this is my final goodwill attempt to have this matter resolved. As it now stands, the information you have presented to me is inaccurate and incomplete and represents a serious error in your reporting. 

It is my understanding that your continued failure to comply with federal regulations can be investigated by the Federal Trade Commission ( see 15 USC Section 41 ). For this reason, I am maintaining a careful record of my communications with you should I need to file a complaint with the FTC and the state of Florida Attorney General 's office. 

If you do not respond within ten ( 10 ) business days, I am prepared to take legal action against your company for causes of action including, but not limited to, defamation, fraud, and violations under the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I have attempted to fix this issue with the company for several months. I purchased a ring when I entered the store the let me know their machines were having issues. They explained the terms to me as free interest. I paid on time, every month, paying extra every month. The ending balance before the dispute was XXXX my next bill was XXXX. I was surprised and thought it was a glitch. I called the company and they let me know the sales person signed me up for 18 months deferred interest where If I did not pay the entire amount I would be " back charged '' interest. I was never told this, nor did I agree to these terms. I have asked the company to return it to the what is rightfully owed to them and I will pay interest on what in reality is owed to them. 

I have also asked them to provide me with a contract of what I signed since they were unable to provide me one at time of purchase. They are unable to provide me with a contract, I never agreed on these terms nor can they show me I agreed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: HSBC NORTH AMERICA HOLDINGS INC.
State: WI

Complaint narrative:
HSBC had sent me promotional offer to open the account, spend some $ amount within 3 months and they promised a {$150.00} cash reward. I complied with the offer but never received any reward. I contacted bank multiple times : never received a reward or even response of why HSBC scammed me on this offer. Asking for my reward, supporting documentation will be provided upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
During XXXX of 2019 there was a bank transfer made through a platform that traded Crypto currency. Several thousands of dollars were trading without my knowledge and since then I have rectified the situation with the company and my bank PNC. However they still refuse to allow me to trade with the company when I want to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Climb Credit Inc.
State: PA

Complaint narrative:
I attended a XXXX XXXX  and paid for it with a loan from climb credit. I am currently furloughed because of COVID-19 and I wanted to defer my loan.

They told me I that theyre deferral option is to pay a smaller monthly payment but that isnt a deferral. Deferment is to make no payments. Climb has their own definition of what deferment means and they have a deferral policy that allows me to defer payments for 6 months during the life of the loan.

According to the law and the English dictionary, deferment means no payments. They are trying to force me to pay when I have no money and will not allow me to defer payments like I thought I would be able to. 

I took the loan with a clear understanding of what a deferment means and they have completely blindsided me with their own made up definition of a deferral. This isnt what I agreed to when I took the loan. They cant make their own definition of what a deferment means. 

Please help me with this. These people are trying to take advantage of me and I wont allow it to happen. 

The loan is for $ XXXX and it was disbursed in XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I called capital one bank letting them know that my XXXX  was effected by the covid-19 pandemic and that I would prefer to postpone my due payment to a later date. They confirmed that they will postpone that billing cycle. On XXXX I made a minimum payment and on XX/XX/XXXX I paid off all my cards with capital one in full. I was surprised to find out that they have reported to the credit bureaus that I missed a payment on XXXX. Even tho they confirmed that they will postpone the due payment for the next billing cycle and that they will not report it to the credit bureaus as a missed payment. I tried reaching out to capital one several times on XX/XX/XXXX but they said that they can not do anything Im regards to this missed payment reporting. Please keep in mind that the minimum payment was only {$25.00} and I would have never missed that payment if they wouldnt have confirmed that it is ok to do so and it will not be reported as a missed payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: WI

Complaint narrative:
They charged 299 % interest ... I had no idea this is Robbing me ... I have payed the loan off however because of the interest rates I have barley paid the principle and I am still getting ridiculous interest charges of 299 %

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: TN

Complaint narrative:
I paid my car off in full in the amount of {$1200.00} on XX/XX/2019. This Company ( XXXX  XXXX XXXX ) has been knowingly reporting that my account is still open and past due. This unfair and incorrect reporting is hindering my from buying a house. I have alerted the company several times on this matter and they have not taken any action to correct this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XX/XX/2020, i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to XXXX  XXXX  & Experian. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM 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 2020-06-09 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XX/XX/2020, i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to XXXX  Transunion & XXXX. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XX/XX/2020, i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to Equifax XXXX & XXXX. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: MI

Complaint narrative:
I sent information to Experian, disputing an erroneous claim by a collection agency representing XXXX for an alleged unpaid bill. I sent to Experian extensive documentation of my cancellation of the account, the reasons/proof behind the cancellation, and my extensive follow-up after I became aware of an issue. Its " investigation '' was apparently to confirm with the collection agency that the debt was valid. They have no proof or documentation that I did not cancel or agreed to continued insurance beyond the date for which I had paid. So, this was not a real investigation. Also, the collection agency has no judgment or other proof : they are just reporting false information ( submitted under another complaint. ) I requested a property insurance policy through XXXX  in XX/XX/2019, as a requirement for a HELOC application. I signed up for auto payment. I enrolled in the plan through the phone and internet. All of my documents, signature pages and payments were electronic. 

In XX/XX/2019, a title issue with the property blocked the HELOC from moving forward ; I had been approved, but could not get funded as a result. I therefore notified XXXX  in writing that I was cancelling the policy, since I had only added it to comply with the loan requirement. No auto payment was taken thereafter and I received no correspondence on the matter, so I had every reason to assume the policy had been cancelled as directed. 

In fall 2019, I became aware of a derogatory credit entry. It stemmed from XXXX 's claim that I owed 2 months premium for the policy which it did not cancel until XX/XX/2019. I contacted them immediately and described my cancellation. I was given several false answers and information, stating that XXXX did not accept written cancellation ( it's the law ), that it never received mine, that there were other reasons my auto payments had been stopped and also that all correspondence had been sent to the property address by mail, even though my account was completely e-notice AND it was an investment property occupied by tenants. XXXX also did not offer a landlord policy. When I provided all of my documentation, they stated that they would only " backdate '' my cancellation if I could show proof of another policy, which is completely irrelevant. The property remains uninsured and wasn't insured prior to the policy with XXXX, so that is a completely made-up requirement. 

The insurance company is XXXX and the collection agency is XXXX 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 2020-06-09 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: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM 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 2020-06-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: NY

Complaint narrative:
I obtained my credit report online and based on my findings there was a U.S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( XXXX ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 
The Bankruptcy Courts have mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U.S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 
I obtained my credit report online and based on my findings there was a U.S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: NC

Complaint narrative:
On XX/XX/2020, I logged into my Brinks Money prepaid account and found that I have been charged a " Signature Purchase Transaction Fee '' of {$1.00} each time I had a recurring charge posted to my account since XX/XX/2020 which totaled {$110.00} in fees. I have the " Pay as you go '' plan which means you are charged that fee for every " Signature purchase '' ( which is a purchase that is signed for ) or a PIN purchase ( a purchase that a PIN has been entered ). According to Brink 's terms, my purchases were neither signed for nor a PIN was used. 

In an effort to resolve this issue, I called Brink 's and explained the aforementioned, however, the agent insisted that the charges were " considered '' signature purchases ( even though I explained multiple times that there was no signature used for the purchases ), they were recurring purchases.

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