vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-15 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: IL

Complaint narrative:
I have written a couple of letters to all 3 credit bureaus requesting proof of verification of 2 bankruptcies on my report and also a collection from XXXX XXXX. All they write back is the item is accurate and has been verified but does not provide by who. The information is inaccurate and is damaging my credit. It takes them 30 days to send the results but do not supply the information I am requesting.

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 2021-04-15 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: CO

Complaint narrative:
Experian and XXXX should not be reporting duplicate Bankruptcy accounts on my credit report. ( Please see page attached. ) The Bankruptcy was previously filed as a Chapter XXXX and was discharged under Chapter XXXX. This false reporting of this account is seriously harming my credit score and both of these line items need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2021-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Morgan & Associates, P.C.
State: MO

Complaint narrative:
I had an account with The XXXX XXXX in the past. I XXXX XXXX XXXX and one was being renovated. I was purchasing supplies from various Retailers. XXXX XXXX, XXXX, XXXX, etc were all places we used to get our building materials. It was common for me to be working at one of my other XXXXXXXX XXXX while the construction was being done at a location across town. I had several workers and contractors involved in the project and they would often call and tell me they needed wood, plumbing, electrical. roofing supplies etc to do whatever it was they were working on. If I was not on-site, they would usually drive to wherever I was working, and get my credit card for whatever store they were going to. I had all the accounts for every Big Box Retailer in my town. 

I was always good about watching the spending and had budgeted for all my repairs. When that particular project was done, the account statements started reflecting charges that I did not authorize or receive the materials from the purchases made. 

There were three to four different people that I was able to remember giving the XXXX XXXX XXXX to get supplies. Someone used my account to purchase supplies, tools, goods etc that I did not authorize, or give permission to use my account for. I filed an identity theft complaint with the FTC, A police report, etc. XXXXXXXX XXXX  responded that " Charges were mine. '' and turned the account over to Morgan & Associates, who is now contacting me through the mail and phone trying to collect on the fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: DISCOVER BANK
State: WA

Complaint narrative:
Hi, On XX/XX/XXXX at XXXX XXXX XXXX I tried to open a discover bank application online and was prompted to call XXXX to " Let 's finish together ''. 
I was on the phone with XXXX in Utah for 55 minutes. He said that I had an outdated bank profile from XXXX for Discover Bank and he had to correct all of the information in it. 
I submitted 3 applications online for a discover bank account and none of them were accepted. The latest application # is XXXX. 
Eventually, he transferred me to XXXX who was very rude and dismissive. I would like for XXXX to review my call with her. She told me that she could not accept the verification code from me that she sent and dismissed me to get my application notarized. When I insisted on using a second phone number she agreed. She should have offered me that option before trying to dismiss me. 
She continued to be rude, inept, and condescending throughout the call and I had to request her supervisor XXXX. XXXX promised to forward my complaint and have someone call me today. No one called. I don't know if XXXX refused to assist me because of my ethnic accent or if that is just how she treats customers, but this is unacceptable. 
I have been unable to open a bank account with your company because of this and she wasted a lot of my time. The call time was 1.5 hours when it ended. 
I want to make a formal complaint and I still need help with setting up a bank account. 


Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: CO

Complaint narrative:
XXXX XXXX Experian XXXX XXXX  should not be reporting that I am ( 30 ) days late on the XXXX XXXXXXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account has been closed and is reporting a {$0.00} balance due. Please keep in mind it would be impossible to be late on an account with a {$0.00} balance. The vehicle was deemed a total loss and the insurance paid any remaining balance due. There are no lates to report. This false reporting is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2021-04-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
In XX/XX/2020, I had a very severe case of XXXX XXXX. I was hospitalized and received XXXX care for close to two months. As a result, I was unable to pay my Bank of America balance on my credit card. Upon release, I completely paid off the entire balance. I have called Bank of America at length to dispute the late payment information, citing the Covid 19 pandemic as a reason for nonpayment. Bank of America is refusing to update the information related to my credit dispute. I have escalated this with XXXX who has also been unable to get Bank of America to change the status.

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 2021-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Unable to lift freeze on my account. Called them over 10 times and automated verification does not succeed, stating that I need to mail and or fax documents to prove identity. I have done this twice only to receive notice that I must do it again as I did not send required documents. I have been very careful to send exactly what they want as I need to refinance my home and they are being difficult with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
Got a letter about this auto loan in collections, and they have been calling my XXXX XXXX XXXX mom advising her about attorneys, so I got this letter and called them said was for and XXXX XXXXXXXX auto back in XXXX when it was purchased I advised them never owned a XXXX or financed a XXXX advised of Identity theft back in XXXX where the female was arrested and did a year in prison so I was advised to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: WA

Complaint narrative:
Since XX/XX/XXXX, a debt collection company named " Community Loan Servicing LLC '' has been contacting me repeatedly by phone and U.S. Mail. They are attempting to collect on an extinguished debt, which has been resolved years ago, by my XXXX XXXX XXXX XXXX, issued by XXXX XXXX, XXXX, WA, XX/XX/XXXX. 

Even though Community Loan Servicing acknowledges the Court Discharge ( in writing ) they continue to violate the rule of law, my Court Discharge Order, by making repeated attempts to contact, threaten, and harass me. They have repeatedly violated the FRBP, which carries heavy fines.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
PayPal closed my account for no reason, and will not help me with getting it back up and going. 

I am not sure if this is some mistake as I assume it has to be. 

I have not been able to get help from them but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. 

My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX at approximately XXXX XXXX, I received a phone call from XXXX XXXX, who said he was an independent process server. He said he wanted to serve me with a complaint tomorrow at my address. I ask what the complaint was about, then he gave me the phone number XXXX to call and a Case No : XXXX. 

When I called the number, XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX, answered the phone. After giving him my name and case number, he said I owed Capitol One {$1800.00}, the account was opened on XX/XX/XXXX and that the last payment was XXXX of XXXX. At no time during our conversation did he say, " He was attempting to collect a debt and that any information obtained would be used for the purpose of collecting a debt. '' in violation of " FDCPA ''. 

Additionally, he lied about the dates and amounts of the debt in violation of " FDCPA. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Services Group, Inc. d/b/a ConServe
State: GA

Complaint narrative:
I never had any account or agreement from CONSERVE also was never notified of any debt collection. CONSERVE also has no documentation or loan paperwork as evidence of debt per my repeated request to have sent to me on the debt which is a violation of federal laws stating Providing validation to consumers to prove the right to collect debts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My credit score has always been low even though I established it at XXXX. I have been responsible and I am not sure why it has been low. And seem I can not improve it no matter what I do. I feel a little discriminated against. Please help

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 2021-04-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: Mercedes Benz Financial Services
State: NY

Complaint narrative:
I leased a car from Mercedes Benz Financial and at the end of the lease, extended that lease month-to-month while a new car was produced. The dealership and MB financial shared that the new car would be available by XXXX or at latest XXXX. Both discouraged me from purchasing the car coming off lease and encouraged me to continue the old lease ( same monthly payment ) as it would be just a few months. Now that new car is significantly delayed ( potentially until next fall ). MB Financial is now saying the only accommodation I can have is to return the old car or continue paying the current monthly payment. I believe these are deceptive marketing and financial practices. A simple calculation of the cost of the monthly payment implies that many thousands of dollars have been extracted from me unfairly. I have been unable to reach anyone who can offer any credible solution. I believe these are unfair and deceptive marketing practices and MB Financial is being unfairly enriched through this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
This account was opened more than 6 years ago and it is showing as being opened in 2020. This account is falsely re-aged which is a violation of FCRA rules and regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
This company XXXX XXXX XXXX is trying to collect a debt of {$500.00}, I called them and I called my insurance, both sides told me the hospital didnt do their part and didnt sent the right paperwork for my insurance to paid it. And now they are trying to charged me something I did no owed, it was their job to send my insurance the right paper work and they still havent done it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: First Technology Federal Credit Union
State: MA

Complaint narrative:
First Tech doesn't not care about it members or customers even though that what it claims on it website that " Our credit union always puts people first. '' I initiated a transfer from my external bank for {$350.00} on Tuesday XX/XX/21 at XXXX EST because that's what my current and available balance said I had in my account. Unbeknownst to me at the time, my actual balance was actually {$350.00} because they still had not updated my account to reflect the withdraw of the trial deposits from the bank I was transferring to. On my end, I already saw the withdraw line for the {$0.00} of trial deposits when I logged into my First Tech account so I assumed {$350.00} was my correct and accurate balance given that {$350.00} showed as my current and available balance. The next day I saw that my transfer had failed and they charged me {$33.00} for the failed transfer that was caused by the information on their online banking not reflecting the accurate balance. I called them severals times to see if they could reverse this fee, and they refused to reverse it, giving me fake empathy saying they understood how I felt but couldn't do anything. You can't do anything? You literally are the one setting the fee, not me. You understand how I feel? Are you a student struggling to just eat food everyday because of this pandemic? That {$33.00} represents a weeks worth of groceries for me, I bet you're not a starving student, are you? I bet you never been poor and food insecure yet First Tech claims to help their community and donates to all of these charities when they can't even help their members. First Tech sets these fees, and then try to claim that they charge these fees because their account don't charge a monthly fee, why do other banks and XXXX also not charge fees on their accounts but waive overdraft fees for the pandemic for struggling members and customers? First Tech only cares about profits, they wouldn't care if one of their members that suppose to be considered part of their community starves this week because of this {$33.00} fee, they only care about you if you're profitable to them. I'm not surprised, like the big banks, they see their customers as dollar signs and not real people that suffer. All I'm asking for is the {$33.00} reversed and they can't even do that even though this is the first time it's happening. I had to ask them to close my account as a result of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion for the past 2 years has inaccurately been reporting information on a loan account known as XXXX XXXX. On XX/XX/2019 my account status changed from good standing to a derogatory account status on my transunion report. I have have no delinquencies or any derogatory remarks on any of my credit reports. I have been in contact with XXXX XXXX and filed disputes that have been completed with XXXX XXXX stating my account was never in a derogatory status. My credit score dropped approximently 80 after transunion reported this status to XXXX XXXX account. This occurred at the same time my father with the same name filed for bankruptcy. I have a different address and social security number as well as a middle name separating me from him. Even though the account states good standing when you click on the actual transunion report it states the account is in derogatory which is highly in accurate.

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 2021-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Hi, I sent a certified letter to XXXX  Credit Reporting Agency on XX/XX/XXXX explaining to them how I was declined credit once I recently learned that an old credit account was placed back on my credit file. I disputed the fraudulent account with Navy FCU for {$9400.00} back in XXXX which was deleted by XXXX  on XX/XX/XXXX after further investigation. I was not notified by XXXX  in writing nor by any other means available to the agency within the five day period after the reinsertion. I have attached a copy of the letter sent to XXXX  dated XX/XX/XXXX as well as the deletion that took place with XXXX  back in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: GA

Complaint narrative:
I submitted a dispute with Experian via phone on XX/XX/2021 to remove a hard inquiry. I told them that the inquiry did not belong to me and I tried to contact the vendor and they did not provide any information. I wanted to have the inquiry removed and they said that they did not have the ability to remove a hard inquiry.

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 2021-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
- In XX/XX/XXXX, our home mortgage creditor discovered a " {$0.00} '' debt by Credit Collection Services on my FICO credit file. It cleaned off 100 points. 

- On further investigation, we found it to be tied to a XXXX XXXX XXXX dollar bill which we had paid off in XX/XX/XXXX TO XXXX  when we got the bill in mail in mail. 

- Despite that, my XXXX  balance account seemed to have reached some Credit Collection Services, who brainlessly reported an XXXX dollar account to FICO as OPEN. 

- I had zero communication from this company, no mail, nothing. For an entire year, they kept reporting to FICO that i owed them XXXX dollars and severely damaged my credit resulting in INCREASED RATES of our home loan. 

- When i tried to contact the company, they realized this error and said " Oh OK we will send the closure now ''. 
I asked for them to share with me the closure report, so i can try and fix the credit damage on our end too. 
" No we have a policy to not mail this to the debtor '' I never even owed them a dime ... 

Now i'm sitting with damaged credit, with this company who have illegally put a collection on my account ( XXXX dollar )!! And they are not willing to help fix it in time. If I lose the home loan, we have sufficient cause to sue.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation