vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harvard Collections, LLC
State: WI

Complaint narrative:
On or about XX/XX/21 I got an XXXX Alert for my credit score, I checked it and it was a unpaid debt for {$2300.00} posted from Harvard Collection XXXX XXXX XXXX in XXXX. 
I call Harvard and told them they had the wrong person, Harvard said the debt came to them on XX/XX/21 and was due to be paid by XX/XX/21. i ask them how could they just put that on my credit score without contacting me and allowing me the opportunity to investigate and settle this debt if warranted. Harvard communicated the debt came from Illinois XXXX, I have not lived in Illinois in 30 years. I ask Harvard where did the XXXX XXXX live at they were communicating with, it was indicated XXXX XXXX XXXX XXXX XXXX, I have never lived at that address. I then called Illinois XXXX, and learned this is a debt from 27 years ago, and I communicated to them, they had the wrong person, ask again why is it I never heard of any of this until I got a credit alert, this was on my credit. Harvard Collection violated my rights to dispute / settle a claim. Harvard Action hit my credit score, very hard. I provided my address, and phone number, also requested proof of debt from Harvard and Illinois XXXX. I do not have this, I disputed with XXXX, XXXX, XXXX, this is not my debt and it was attached to my credit without any communication to this writer. Harvard Collection Agency did have my correct and current address listed XXXX XXXX XXXX XXXX # XXXX XXXX XXXX. I know this because Harvard Collection verbally provided this to me after I said I have never lived at XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
I have attempted to contact multiple times that was paid to original creditor and should removed off my credit report. Original creditor submitted payment receipts, and I also through credit agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: DISCOVER BANK
State: NC

Complaint narrative:
Credit card was opened in my name not by me. A lot was charged on card all not by me. 
{$9900.00} at the moment. I filed a police report in 2017 and spoke with there fraud department and sent a police report. The credit card company has not called me about any of the payments but they have really lowered my credit score with the charge off. and as of today it still shows up on my credit report as a charge off that has lowered my credit score over 100 points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I own a Bank of America Travel Rewards Card and I redeemed some points available booking a trip directly with their Travel Center. 
Unfortunately the airline ( XXXX XXXX postponed my connecting flight, forcing me to stay inside the airport for 11 hours. 
Due to Covid restrictions it would be a nightmare to spend 11 hours inside an airport and I decided to call Bank Of America Travel Center to discuss a flight change ( XXXX offers it for free until XX/XX/21 ). 
I've been trying for two weeks now with no luck. 
There is only one number available with several hours long waiting time. 
I scheduled a call back and after missing some calls because they tried multiple times to call me back after midnight, I managed to speak with a representative. 
The first operator does not know anything about travel systems, change and cancellation policies and both times I had the chance to talk to them, they tried to pass the phone call to the " Support Center ''. 
Both times operators of their Support Center were not available so they scheduled a call back between 24-48 hours. 
I opened two cases and both times I never received a call back. 
This is not how a Travel Agency should operate. 
I'm stuck with a flight that doesn't work for me anymore and I have no possibility to change it or cancel it even though both services are available and free during Covid. 
This is absolutely an unfair practice to the consumer.

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 2021-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE
State: FL

Complaint narrative:
AVANTE is claiming that I owe them {$680.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: GA

Complaint narrative:
PayPal would not allow me to send money out form 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 for months 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 2021-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
At the beginning of XXXX, 2021 I was alerted by XXXX that my account with Chase was frozen due to fraudulent activity. Had XXXX not notified me, I wouldn't have known, tried to use my debit card, been declined XXXX embarrassed ), etc. When I called the number provided by Chase, they wanted my debit card or account number over the phone. Seeing that I had already filed an id theft report, I was not willing to do so. I went to the local branch to find out what the problem was. XXXX, the Customer Service XXXX, got on the phone with the fraud department & all they told him was that Chase wanted to sever ties with me, due to fraudulent activity. No reason why, just be close my account ( s )! Chase has made me feel like a criminal, when I have done nothing wrong! I'm still waiting on a letter ( was told 7-10 business days XXXX explaining what was fraudulent! I am appalled at the way Chase handled this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. US SM BUS ADMIN XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: RI

Complaint narrative:
I got approved for a car loan. The dealer didnt tell me how much it would be for or a month in payments. It would up being {$600.00} for 60 months for a {$18000.00} car. Mind you I put $ XXXX down when I bought it. XXXX XXXX XXXX NJ no longer in business and check out this their XXXX reviews didnt tell me but they added a ton of fake/ nonexistent warranties to it. Never once was I told the total loan amount. Fast forward 4 months later I couldnt afford the payments. I missed 2 and they came and took the car. No notice no warning no note. I never received anything about it going to auction and it still had a ton of my personal belongings in it. 1 being my personal laptop and camera. They still are reporting it as a charge off on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: INDEPENDENT BANK CORP.
State: MA

Complaint narrative:
I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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

Complaint narrative:
PayPal has closed down my account and are holding my money and I can not withdraw my money from them. Ive been in contact with them via chat for several months and 3 times sent info of my identity and other documents they wanted. They have confirmed that they have recieved the documents but still wont open my account again. This was 1st of match. 
( Will include screenshot ) I keep getting automated chats that there is nothing they will do and that I have to wait. I called but they dont answer. I feel like I am beeing scammed of my balance of XXXXUSD. 

I have not been able to get help from them for months, therefore I am filling out this report. They should not treat customers like this. 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 2021-04-30 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: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPENT THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAs. On XX/XX/2021, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2021-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I refinanced the auto in question in XXXX of XXXX ... My new lender paid the note in full which clearly shows in my statement from original lender ... The day after buy out was complete they received an additional payment from me which they processed ... The original finance company continues to show my account open with them ... I was made aware of this when I was denied financing on the purchase of a new vehicle in XX/XX/XXXX because my credit report showed two outstanding car loans ... I have I have called the finance company monthly since this time to resolve the issue ... Each time I was told " We see here that the information you've given us is correct We will submit a request to have the account closed ... check back with us in 3-5 business days to confirm. '' I call back to confirm and SURPRISE I'm given the same information again SAME response ... SAME RESULT ... Issue has yet to be resolved ... MY ONLY CERTAINTY I WILL NEVER FINANCE A VEHICLE THROUGH KIA MOTOR FINANCE AGAIN ...

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 2021-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Account was opened but not by me. Account was charged a little over {$8000.00}. I didnt make a single charge. I filed a police report and the company has never contacted or bothered me about any payments but it hurt my credit score.

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 2021-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: VA

Complaint narrative:
This complaint is for Lexis Nexis and customer service representative XXXX. I just sent 28 minutes with XXXX on the phone from XXXX on XX/XX/2021. During the phone call XXXX gave me erroneous information and when I point things out to her she attempted to change the facts. 

I have spoken with XXXX on several different occasions and as recent as of Wednesday, XX/XX/XXXX. I called to check on dispute of bankuptcy listed on my Lexis Nexis report. She said that Lexis Nexis is contacting the " Courts ''. I find that odd because it is not the practice of the US Bankruptcy courts to provide information to data furnishers such as Lexis Nexis. 

XXXX went on to say that my dispute was started in XX/XX/XXXX. I challenged her on that because I emailed Lexis Nexis on XX/XX/XXXX at XXXX and I have a reported date XX/XX/XXXX that the Bankruptcy was disputed on XX/XX/XXXX. She went on to say that I requested a dispute to the bankruptcy listed on my credit reports. To which I told her I did not to that because there were no bankruptcy listed on my credit reports at the time. I told her that Lexis Nexis initiated these disputes on their own accord without my knowledge and permission.

I then requested to speak to a supervisor to which she told me a supervisor would call me back in 24 hrs. I find that odd because Lexis Nexis is closed on the weekends.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPENT THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX XXXX. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: MI

Complaint narrative:
I received an email from crypto.com on XX/XX/2021 stating that my account has been terminated due to a breach of the company 's Terms and Conditions. I asked for an explanation regarding what specific Terms and Conditions I breached in order to prevent myself from making the same mistake in the future, but was not provided an explanation. I also have a portfolio with assets on their exchange that consisted of XXXX XXXX, XXXX XXXX, XXXX RVN and XXXX VET. I asked for access to these assets, but have been denied access. I feel that I have been taken advantage of and have had my hard earned money stolen from me with no explanation or way to access my 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 explanation
Consumer complaint received 2021-04-30 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: FL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation