vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-18 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: CORELOGIC INC
State: FL

Complaint narrative:
XXXX CREDCO has violated the FAIR CREDIT REPORTING ACT ( FCRA ). 15 USC 1681 : SEE ATTACHED DOCUMENTS a. Affidavit of Truth- Copy to company was Signed and Notarized b. Copy of item on Credit Report c. Invoice d. Copy of Certified Mail Receipt

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 2021-09-18 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: MD

Complaint narrative:
To whom it may concern, I sent Experian a dispute letter on XX/XX/21 concerning several incorrect and inaccurate accounts that are wrongly appearing on my credit report and I haven't received anything back from them via mail or email. Today is XX/XX/21!!!! They have be law to respond within 30 days and it's now going on 60 days AND STILL NOTHING!!!!!! These falsely reported negative accounts are not only crippling my credit score but its causing me to have to pay ridiculously high interest rates because I'm labeled as risky when I'm actually not. This company is not taking me or my stressful situation serious. I even called several times and ask to speak to the fraud department and the customer service representatives were absolutely rude and annoyed with me and my complaint.

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 2021-09-18 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
SUNTRUST DBA XXXX has violated the FAIR CREDIT REPORTING ACT ( FCRA ). 15 USC 1681 : SEE ATTACHED DOCUMENTS a. Affidavit of Truth- Copy to company was Signed and Notarized b. Copy of item on Credit Report c. Invoice d. Copy of Certified Mail Receipt

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 2021-09-18 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: NY

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and misleading things on my credit report. To this day, over 30 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored in my disputes. In Section 611 ( a ), it clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has now been 31 days so they should be deleted at once. I demand these items be deleted immediately or I will file for litigation due to the harm and stress Ive been subjected to. My information was also impacted by the Equifax data breach and I fear it may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I placed an order on XX/XX/2021 with XXXX XXXX XXXX XXXX in the amount of XXXX via Paypal. I selected the installment payments. Under the pending on my paypal account it states the customer would not be charged until it is shipped. I did place an order for XXXX for only ONE TRANSACTION however, I was charged TWICE for the same amount on the same day, I contacted XXXX XXXX XXXX XXXX and was instructed to contact XXXX XXXX XXXX XXXX XXXX Representative stated I was only charged once by XXXX XXXX XXXX XXXX which is correct. Why I do I have duplicate charges?

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 2021-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Klarna AB
State: NY

Complaint narrative:
This complaint is about Klarna, and it is very serious. Consistently Klarna tells its users that its has about {$1300.00} is credit but only ever allows it to spend just under {$300.00} over time no matter whether one has excellent payment history, pays early, has excellent credit rating. It's a scam. When you ask digital customer service what the problem is, they just say " guess you just have to keep trying. '' The policy is not clear. Klarna consistently demonstrates false advertising of a WAY higher credit it will let you use than what is real. Please thoroughly investigate them and ensure that they are much, much, much more transparent!! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
company didn't send me the information i ask for but did get XXXX to note on my account that it is confirmed and verified. How could that be when the account doesn't have any payment history, no open date, no terms of original contract, no DISPUTE history noted yet it was confirmed as accurate by the credit agency XXXX. The agency 's name : Midland Credit management, Actt # XXXX, amount : XXXX. This collector didn't care enougt to give me the information i ask for but passed me by and reported it on my credit report as accurate and justified as complete and accurate. Never mind all the missing informatoin. This has seriously hurt me and my families credit worthiness. Iam retired XXXXyrs old military man and in need of your help with this issue.please have them correct this inaccurate and incomplete account or Delete it from my account. thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been disputing an account that has been hurting my credit report for a while now. I have been telling and explaining to EQUIFAX, XXXX and XXXX that the account is not mine. I already did my job and spoke to the company and they couldn't find any records that shows that I have or had an account with them. The company that shows on my credit report is called XXXX, I will attached a copy of my credit report where shows this account. and the reason why I'm complaining today is because I did complaint before and nothing changes, I dispute the account and nothing changes, I even ask EQUIFAX, XXXX and XXXX to sent me everything they have that proofs the account is mine but nothing happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
ONEMAIN admitted they benefited from my credit card, which damaged my consumer report, and I received nothing. Pursuant to 15 USC 1681n Civil liability for willful noncompliance ( a ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. My credit card, which is, any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit pursuant to 15 USC 1602 ( l ). A deletion is admission. It shouldnt have been on my consumer report in the first place. I didnt give my consent for that. Again, I am seeking monetary relief pursuant to civil liability for willful noncompliance 15 USC 1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been disputing an account that has been hurting my credit report for a while now. I have been telling and explaining to XXXX, TransUnion and XXXX that the account is not mine. I already did my job and spoke to the company and they couldn't find any records that shows that I have or had an account with them. The company that shows on my credit report is called XXXX, I will attached a copy of my credit report where shows this account. and the reason why I'm complaining today is because I did complaint before and nothing changes, I dispute the account and nothing changes, I even ask XXXX, TransUnion and XXXX to sent me everything they have that proofs the account is mine but nothing happens.

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 2021-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been disputing an account that has been hurting my credit report for a while now. I have been telling and explaining to XXXX, XXXX and EXPERIAN that the account is not mine. I already did my job and spoke to the company and they couldn't find any records that shows that I have or had an account with them. The company that shows on my credit report is called XXXX/XXXX, I will attached a copy of my credit report where shows this account. and the reason why I'm complaining today is because I did complaint before and nothing changes, I dispute the account and nothing changes, I even ask XXXX, XXXX and EXPERIAN to sent me everything they have that proofs the account is mine but nothing happens.

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 2021-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rozlin Financial Group, Inc.
State: TX

Complaint narrative:
Rozlin Financial Group is attempting to collect a business debt and has placed the amount on my personal credit report. 

The debt was also illegally obtained without a written notice of the debt. 

XXXX  has illegally shared my information with Rozlin Financial Group and has refused to own up to breaching the contract with XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I enrolled in autopayment for my BoA credit card but was charged interest on my credit card balance. I talked to a BoA representative to set up the autopay feature, which I intended to use to avoid interest and fees, but I was mislead by the agent 's instructions and deceptive enrollment process and it was set up to only pay the minimum amount due, resulting in interest charges. After dealing with unending COVID-related XXXX circumstances, I am requesting the charges totaling {$390.00}, be waived as a courtesy.

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 2021-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
Due to the continual inaccurate and false information by Santander to my 3 credit bureaus I have been denied a mortgage, have had to pay higher interest rates on other loans, and have lost thousands of dollars. I had an auto loan with Santander in XXXX and the car was total loss on XXXX XXXX due to intoxicated and uninsured driver who illegally hit me from behind. Santander is inaccurately reporting 3 different things to all three bureaus. I have reached out to them and submitted disputes with no response or corrections. from them. They currently have numerous other complaints on your website and with the XXXX. Also Santander Consumer USA settled with the Consumer Financial Protection Bureau over allegations that the ban sent inconsistent information about consumer auto loans to credit reporting agencies between XX/XX/XXXX and XX/XX/XXXX. They have had lawsuits through the attorney generals office due to their inaccurate practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I placed a couple of orders with XXXX XXXX XXXX via Paypal. I selected the installment payments. Under the pending on my paypal account it states the customer would not be charged until it is shipped. i contacted XXXX XXXX XXXX and contacted the Representative, This was my second attempt to resolve this issue. This is very strange. If you click onto the Transaction ID Number it will give you the confirmation number for the order placed. I was provided with the XXXX XXXX XXXX XXXX confirmation number by the XXXX XXXX  Representative, order placed on XX/XX/21 XXXX ( XXXX ) order was placed by me order placed on XX/XX/21 XXXX ( XXXX ) order was place in me It appears I was charged double for the XXXX on XX/XX/21 All orders are showing pending? 
Please see attached documents

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 2021-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SinglePoint GI
State: FL

Complaint narrative:
General Revenue Corporation sent me a letter on XXXX stating I owed them for a tuition bill for XXXX XXXX University. I wrote General Revenue a letter informing me that I never attended XXXX XXXX or try to attempt to attend XXXX XXXX. I requested General Revenue Corporation to send documentation that I agreed to attend or any contract with my signature. General Revenue only sent me an invoice on XXXX. General Revenue do not have any documentation to hold me accountable for this account ( account number XXXX ). General Revenue has violated the Fair Debt Reporting Act after I contacted them and inform General Revenue this account does not belong to me. Please keep in mind, I never step foot on XXXX XXXX University campus. After graduation, I got a job to help my family to stay afloat after the passing on my grandmother. General Revenue has made it hard for me emotionally. I need this negative account gone from my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
I am unable to access {$380.00} in my PayPal account. PayPal has asked for my drivers license ( which I uploaded ), and now PayPal is asking for my SSN, bank statements, credit card statements, utility statements, and passport. Without that information, they will not allow me to access my funds, transfer the funds to valid accounts, etc. 

I feel that I am at risk of identity theft if I upload all that information to PayPal. This is a new PayPal account that I opened just to receive this reimbursement and I will close it after I transfer the funds. 

In XX/XX/2021, I received a payment of {$400.00} from a moving company that had damaged my furniture during a move. The moving company had requested that a PayPal request for payment, which I did with an invoice detailing that the {$400.00} is reimbursement for damaged furniture. I am not a business but an individual trying to receive reimbursement. PayPal took a {$15.00} transaction fee at this point. 

The information PayPal is asking for exceeds what banks ask for. I have already logged into my PayPal account ( validating that I own the account ) and confirmed my bank account, confirming that I own my bank account by verifying transactions to my bank account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I paid my Capital One account in full in XX/XX/XXXX. In XX/XX/XXXX Captial One charged a membership fee of {$39.00} but failed to notify me that the charge had been made or that I owed the amount. 

Capital One continued to charge late fees & interest on top of their membership fee until the card accrued a balance of - {$150.00}. 

On XX/XX/XXXX I received notification from XXXX that there had been 8 recent inquiries to my credit report which prompted me to immediately check my credit cards for unauthorized charges. 

I logged onto Capital One to discover that not only had they charged my card as detailed above, but as of XX/XX/XXXX closed my card. 

After discovering the charge I reached out to Capital One however, they were of little help & continued to repeat that the card had been closed. 

Between XX/XX/XXXX and XX/XX/XXXX Capital One sent no notification that my account had a balance or was past due. Instead they chose to close the account which could potentially have a negative impact on my credit score. 

I have attached an activity summary between XX/XX/XXXX & XXXX that illustrates what I have outlined above. 

I feel that I have been treated unfairly & furthermore that, through no fault of my own, my otherwise good credit history has been tarnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
This is my fourth complaint for the same matter. I purchased a car from XXXX in XX/XX/2021. The financing was provided by their sister company, Bridgecrest. I paid off the loan in late XX/XX/2021and I still do not have a title. Please don't close this complaint until the matter is resolved.

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 2021-09-18 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: NJ

Complaint narrative:
I am filing a complaint against Experian has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have hone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are requested to '' ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you

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 2021-09-18 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: MS SERVICES LLC
State: CA

Complaint narrative:
MS SERVICES IS REPORTING INCORRECT INFORMATION... IVE NEVER RECEIVED ANY BILLS FOR THIS OR NOTIFICATION. THIS INFORMATION WAS DELETED FROM MY OTHER CREDIT REPORTS AND I WANT IT REMOVED FROM MY XXXX REPORT!!! IVE TRIED SEVERAL TIMES NOW DISPUTING IT WITH PROOF AND STILL WON'T REMOVE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XXXX, I deposited a check with {$5600.00}. 
On XXXX, The check was returned by Chase due to lack of signature. 
On the same day, after I know the check was returned, I went to Chase branch at XXXX XXXX, VA and deposited the check in the ATM under the guidance of a staff. 
After that, Chase told me the as this is a duplicated check so they put a - {$5600.00} ( debit ) on my account and also told me the credit of this check will be available on XX/XX/24. 
Essentially, chase is rejecting my check deposit by putting a debit immediately and giving me the credit 10 days later. Eventually it will be nuetral but it holds my own money for 8 days by doing that, which come for no reason.

Company response to consumer: Closed with explanation