vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-21 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: UT

Complaint narrative:
Report Number : XXXX Date Generated : XX/XX/2021 I have submitted proof that this account has been corrected and submitted copies of a letter stating this has been settled. I have disputed with Experian numerous times and still I'm told this is accurate. This done by E-Oscar and not looked into by human eyes. I truly believe this has not been looked into properly I would like to have Investigation why they refuse to remove information when I a submitted letter showing this false information

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 2021-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: AL

Complaint narrative:
I have not supplied proof the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 sw 715. 719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX  sold my mortgage to their sub-servicer, XXXX. My credit immediately dropped 15 points from XXXX and XXXX because it shows my mortgage as closed. I made a complaint with XXXX, all three credit bureaus, and consumer finance. I received a notice of remarks on my credit reports for XXXX  and XXXX, but XXXX  is the only one that went back to normal ( above XXXX XXXX. Now, Experian shows my credit dropping 30 points for the mortgage falsley being reported as closed!!! I'm now in a separate credit worthiness bracket!! This is unacceptable for a financial institution. Please correct this incompetence ASAP.

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 2021-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mountain Run Solutions, LLC
State: TN

Complaint narrative:
After receiving the defective equipment from the company XXXX they said I would have to write a letter to opt out of any agreement I sent the letter a on XXXX XXXX and they were supposed to remove me from remaining product out of my house and then I receive notice that XXXX had purchased them and took over any contracts or existing clients and they kept trying to charge me for something I had opted out and already discussed with the purchased company. I informed them if they installed equipment I would be willing to do a contract with brinks but no response from them. The payments stop for and then two years later they send a bill saying I owe them for the balance for the remaining period when I never received the services or anything after the first month. And they harassed me about paying this for months during the pandemic. I told them the situation and they said our job is to collect a debt not talk to you about your problems so either pay or its going on your credit for 5 years.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I worked well over a year to get a Citibank Secured Card and graduate it. My card was graduated but it was not graduated into the card I had worked all this time to get. I would like my card to be graduated into a Citi XXXX card. I was graduated into a Citi XXXX XXXX card. After three calls into customer support Ive been told that Im out of luck, even though I had stated this was the intended card over a year ago. 

Im requesting my XXXX XXXX be PCd into a XXXX card.

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 2021-02-21 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: Waypoint Resource Group, LLC
State: WA

Complaint narrative:
WAYPOINT RESOURCE GROUP , LLC ( Opened XXXX XXXX, XXXX ) add a collection on my credit reports. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. 
Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me the you are licensed to collect in my state ; Provide me with your license numbers and Registered Agent or Agent of Service. 
Since you are still reporting this account on my credit report, you are now in violation of the FCPDA.I intend to follow through with the suit if I do not hear back from you within 15 days. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
I Have an Apple Bank credit card that I use through my mobile wallet on my XXXX. Everything worked wonderfully until XX/XX/XXXX from which point onward I have been unable to view transactions occurring on my account, view statement detail, and otherwise manage my account. I can still make charges, but I can not see if my payments and refunds have been applied, or if there any illegitimate transactions being applied, or any interest being applied ( there should be none - Ive paid my interest-free balance every month by the due date ). 

On XX/XX/XXXX, I contacted support via XXXX  Chat. They sent me a link to check my transactions and the link opened to garble ( attached ). They had no other way to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: The Bureaus, Inc.
State: WA

Complaint narrative:
THE BUREAUS add a collection on my credit reports. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. 
Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me the you are licensed to collect in my state ; Provide me with your license numbers and Registered Agent or Agent of Service. 
Since you are still reporting this account on my credit report, you are now in violation of the FCPDA.I intend to follow through with the suit if I do not hear back from you within 15 days. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I applied to be pre-qualified for an Auto Refinance Loan. When i apply by myself, I am approved. However, when my girlfriend, that is a XXXX  resident, is added as a joint applicant, we are denied. 

She has a credit score of at least XXXX, a salary of {$37000.00} and does not have any major loans or debts with the exception of one credit card at {$8000.00}. My credit score is XXXX, my income is {$77000.00} and my rent payment is only {$500.00}. 

We applied for a loan at Capital One for {$22000.00} and were denied. Reference number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
In XXXX I enrolled into a debt counseling program. I gave them all my credit info. And never opened any new accounts due to wanting to get out of debt. In XXXX or XX/XX/XXXX I received a call from the debt counseling company asking if I wanted to add the new debt of XXXX. I advised them i never opened any new credit cards nor had I had any new debt. They gave me the number of the company claiming I owe them XXXX. I called the number which was Midland credit management XXXX XXXX XXXX. They would not.give me any information on the account I told.them I never opened an account with them and wanted to know who opened the account. They just kept transferring me over and over. Never giving me any information just wanting to collect money from me. So I ignored this fraud claim thinking they got the hint I was not going to pay them any money. So, today I checked my free credit report and noticed this company is on my credit report it had the date the card was opened how much is due. So I called them again to let them know I never opened this account and asked for information on who opened the account and again I was transferred over again. Also, when I call they answer the phone as if they were home and not.in a professional setting. I dont know what to do and how to dispute this fraud. Any help would be greatly appreciated. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
For my XX/XX/2021 payment on my Bank of America Mortgage ending in XXXX, the payment was applied on XX/XX/2021, but then on XX/XX/XXXX, the payment was returned and I was charged fees. 

Why did they withdraw money on XX/XX/XXXX and return the payment for a payment that was processed on XX/XX/XXXX? I had the money in the account on XX/XX/XXXX, when the payment was processed, and it was withdrawn from my bank account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I had a monthly subscription to XXXX XXXX XXXX. I cancelled this recurring charge in XXXX. On XX/XX/XXXX, I was charged again, not for one month but for two months this time. XXXX, the company charging me, has no record of a current account with them. So I disputed with Capital One. They reached out to XXXX, who said they have no record of a cancellation, even though they told me there is no record of an active account. 
Capital One overturned my chargeback and charged me for this. I was able to find verification of my cancellation, but it was only an email that came at the end of my subscription -- which came XX/XX/XXXX. I submitted this to Capital One, but after seeing the date of the email, they refused to consider it further, even though it was not the email I received upon cancellation ( I could not find that email. )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
On XX/XX/2021 I sent Firspoint Collection a debt validation letter pursuant to 15 USC 1692g. I requested that they send me the requested information within 30 days from receipt of letter. The letter was delivered XX/XX/2021 ( proof attached ). It has been 30 days and I have not received any information requested to validate this alleged account. Since they have not provided me with any information to validate this alleged account I am demanding that they immediately XXXX  out the balance on this alleged account and delete this alleged account from all consumer credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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:
On XX/XX/XXXX received letter from Dept of Labor and Employment saying claim for unemployment benefits has been received. My husband is XXXX years old and did not file a claim.XXXX XXXX received a Visa debit card from US Bank. We are fearful that someone is stealing my husbands identity. Please advise us on what to do to stop this.

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 2021-02-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
Every time I call santander to process a payment over the phone with their customer service, my payments never processes and I constantly hit with a 30 day late pay on my credit score it have happen 4 different times. Everytime I submit an investigation it take me to call them no less then 5 times to get the situation resolved and they constantly claim they do not have records of my calls but every call is recorded and when I asked to have the recording pulled so they can see I called to do a payment it turns out I am correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
This is Comenity Bank they will not stop calling multiple times a day no matter how many times I have asked them not to. They are calling me on Sunday when I have repeatedly told them not to call me on a Sunday. 

The calls are harrassing and calling from a block number is also very wrong Sunday XX/XX/2021 5 calls 1st 2 was from a restricted number XXXX and XXXX Calls 3 and 4 from phone number XXXX XXXX XXXX and XXXX Call 5 from phone number XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-21 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: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
I am a victim of identity theft. 

In early XXXX, 2020 I learned that my personal information was fraudulently used in attempting to open a credit account at Synchrony Bank, without my knowledge and permission. I did not request or authorize this account. ( Please see letter from the bank, attached. ) I immediately contacted Synchrony Bank and asked them to take all appropriate steps to remove information about this account from my credit files. Also, I requested removing all negative reporting associated with my name. 

Since then, absolutely no action has been taken on the part of Synchrony Bank to remedy this problem. I have contacted Synchrony Bank by phone monthly since XXXX to ask for updates about the matter. Every time the person answering my call gives me an unacceptable excuse as to why this matter has not been resolved. 

During my very last call I insisted that they give me the postal address for their Fraud and Identity Theft department. As soon as I made this request, the employee hung up the phone. 

Back in XXXX, a number of other fraudulent attempts to open bank or credit accounts in my name. All those issues were resolved by the institutions in question within just a few weeks. 

The fact that the last representative from Synchrony Bank hung up on me, gives me the reason to believe that the bank itself may be involved in illegal activities. They have certainly violated laws and regulations imposed by the federal government in terms of resolving matters of this sort appropriately and in a timely manner.

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 2021-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Skrill USA, Inc.
State: AZ

Complaint narrative:
These thugs SPAMMED me and they don't even have an unsubscribe link! 

Please investigate where they got my email address, why they sent me FALSE information such as " Important Information Regarding Your Account '' I don't have an account and this is commonly referred to as CLICKBAIT. I wasted my precious time on this fraud! 

I defaulted on my credit cards because you ( the government ) allow these criminals to prey on us. I decided that INSTEAD of working myself into an early grave, I'll simply STOP paying my credit cards and document WHY the poor get poorer and the rich get richer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Somebody has opened a credit card from ( XXXX XXXX XXXX ) using my personal information with the amount of {$850.00}, for which I have received a court letter on XXXX XX/XX/XXXX, filed by MIDLAND CREDIT MANAGEMENT , INC. After going through the court letter file papers I was shocked to know that first of all I have never heard about that bank before and have never ever applied for a credit card from that bank. I haven't received any statement from the bank either. As per their records, the card was opened on XX/XX/XXXX using my previous address details i.e. XXXX XXXX XXXX, XXXX, VA XXXX. But I moved from that place on XXXX XXXX to the current address i.e. XXXX XXXX PL, XXXX, VA XXXX. It also shows in the statement that somebody has made a payment of {$100.00} to that credit card account on XX/XX/XXXX and that wasn't paid by me. 
As per my knowledge, I haven't shared my personal information and my social security with any other people except my wife which we are now separated since the end of XX/XX/XXXX. I am completely unaware of this issue and If I have received such statements from the bank then I would have immediately called them to talk about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Over a year ago, my TD Bank card was closed out. I had contacted support about this issue - since my autopay was never set up correctly despite being aware it was, I had my card charged off and cancelled. I now have multiple late marks on my credit report. I had paid it off by phone immediately upon learning about the issue, but unfortunately it was too late. 

Unfortunately due to unintuitive tools and no communication from TD, I have this mark on my report. I would like to remedy this. I would like to know what can be done, if a relationship can be re-established or if these marks can be taken off my report. I am sorry for the account being late, but also to my knowledge there was a full autopay on the account. 

The agent expressed a lot of sorrow and very much could tell this was not my fault or due to financial hardship. She tried to do what she could, but due to limited tools on her end, was unable to assist beyond making sure my account got paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: GA

Complaint narrative:
I have submitted disputes to the 3 bureaus ( Equifax, XXXX and XXXX ) on XX/XX/2021. 

I have received no updates regarding the inaccuracies on my credit report from Equifax, XXXX and no updated information from XXXX in regards to my personal information being incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have submitted disputes to the 3 bureaus ( XXXX, Transunion and XXXX ) on XX/XX/2021. 

I have received no updates regarding the inaccuracies on my credit report from XXXX, XXXX  and no updated information from Transunion in regards to my personal information being incorrect.

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