vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-30 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: Durham & Durham, LLP
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Original Creditor : XXXX XXXX XXXX Amount : {$530.00} RE : Dispute Result # XXXX, Dated XXXX Dispute Report # XXXX, Dated XXXX Dispute Report # XXXX, Dated XXXX Dispute Report # XXXX, Dated XXXX To whom it may concern : We have disputed the inaccurate reporting of the referenced account on four ( 4 ) separate occasions, however, have had no correction to my credit  reporting. 

We contacted the XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) on XX/XX/XXXX to discuss the account, which was paid in full on XXXX. They indicated that they could not prove that my payment was for the bill in question. 

We then contacted the original creditor, XXXX XXXX XXXX ( " XXXX '' ) on XX/XX/XXXX. The account was located and noted that it had been paid and should have been closed. XXXX sent an email to the XXXX in house collection agency, Durham & Durham to indicate that the account was paid and closed. XXXX sent us a screen shot of our account which indicated the account was paid on XXXX. 

We were transferred to another department at XXXX XXXX XXXX on XX/XX/XXXX and discussed the matter again in detail with another representative. The representative confirmed the account had been paid and said she would contact XXXX to have the inaccurate information removed from my credit report. 

After several months of contacting both XXXX and XXXX we have had no change in my credit report. We discussed the matter in detail with XXXX ( " XXXX '' ) who indicated the report would be corrected. To date the inaccurate reporting remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Around the end of XXXX I was notified by XXXX XXXX and XXXX XXXX that I opened a credit account with Paypal. I reached out to Paypal to let them know I didn't open any such account. Paypal took a couple of days to get back to me and said that they would cancel the account and nothing was charged on it. 

It wasn't until yesterday XX/XX/2020 that I saw from XXXX that I had a {$3000.00} balance with paypal with a new charge of {$34.00}. 

I have never opened up a paypal 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 non-monetary relief
Consumer complaint received 2020-07-30 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: Phoenix Financial Services LLC
State: NC

Complaint narrative:
In XXXX of 2020, I had a collection agency, Phoenix Financial Services ( " PFS '' ) place a collection account on my credit report for {$310.00}. The original creditor is XXXX XXXX XXXX XXXX " XXXX '' ). The invoice was for my son, XXXX XXXX XXXX, not me. We notified PFS and XXXX, however no change has been made to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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:
My identity was stolen in XXXX of XXXX. The identity thief opened many credit cards in my name including a XXXX XXXX XXXX  XXXX  ( as well as an XXXX XXXX XXXX XXXX XXXX  XXXX  ) through XXXX XXXX. On XX/XX/XXXX I called XXXX XXXX  and reported the fraud as well as reporting it to all credit bureaus and the police. I put a fraud alert with each credit bureau. XXXX XXXX  told me they would start an investigation. XXXX XXXX  informed me on XX/XX/XXXX via letter that they found the XXXX XXXX XXXX  XXXX  account to be valid but the others were fraud. I called again and disputed the XXXX XXXX credit card as fraud immediately on XX/XX/XXXX at XXXX with XXXX  ' who said they would send it for re-investigation. XXXX XXXX  sent me a letter dated XX/XX/XXXX saying that they would not re-investigate a duplicate dispute. I disputed the XXXX XXXX credit card account with each credit bureau on XX/XX/XXXX. Equifax came back and said that XXXX XXXX  " verified that this account belongs to me ''. It does not. I called XXXX XXXX  again and disputed again. I received a letter dated XX/XX/XXXX from XXXX XXXX  stating that they " have concluded you are not responsible for the account '' and that they would remove it from the credit bureaus. I thought it would be over at this point but the XXXX XXXX XXXX  XXXX  is still being reported as valid to Equifax. I called XXXX XXXX  again in XXXX of XXXX to report that the XXXX XXXX XXXX  XXXX  was still showing up on Equifax and that I noticed that XXXX XXXX  had reported hard inquiry pulls from the identity thief applying for more fraudulent credit cards with them ( I had an active fraud alert at this time ) : XX/XX/XXXX - XXXX XXXX XXXX XXXX  XXXX  ( XXXX XXXX  ) XX/XX/XXXX - XXXX  XXXX  ( XXXX XXXX  ) XX/XX/XXXX - XXXX XXXX  XXXX  ( XXXX XXXX  ) I called XXXX  again and asked to have the XXXX XXXX credit card and the hard inquiries removed from my credit report was told to " Just dispute it with the credit bureau you can dispute anything ''. The problem is when I dispute it with the credit bureaus XXXX XXXX  tells the credit bureaus that it's valid. In XX/XX/XXXX I disputed all of the above through Equifax again, and the conclusion from XXXX XXXX  was " These Inquiries are a factual record of file access. '' which they are clearly not. I called XXXX XXXX one more time in XXXX of XXXX and told them they are still reporting the XXXX XXXX XXXX  XXXX  to Equifax and they sent me another letter dated XX/XX/XXXX that " I am not responsible for the account '' and they would move this account from my credit report. As of XX/XX/XXXX it is still there as well as the hard inquiries made by the identity thief.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
PNC made a change that will not let me link my XXXX  saving app.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NC

Complaint narrative:
When attempting to link my bank account to an outside service, such as XXXX XXXX, who uses a debit card service, i am not able to link my bank account in order to fund it due to a PNC policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: Durham & Durham, LLP
State: NC

Complaint narrative:
In XXXX of 2020, I had a collection agency, XXXX XXXX XXXX XXXX " PFS '' ) place a collection account on my credit report for {$310.00}. The original creditor is XXXX XXXX XXXX XXXX " XXXX '' ). The invoice was for my son, XXXX XXXX XXXX, not me. We notified XXXX and XXXX, however no change has been made to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
In XX/XX/2020, HSBC offered a high-yield savings account with an APY close to 2 %. I opened an HSBC savings account in late XX/XX/2020. 

On XX/XX/XXXX, they reduced my APY to 1.70 %. 
On XX/XX/XXXX, they reduced my APY to 1.60 %. 
On XX/XX/XXXX, they reduced my APY to 1.30 %. 
On XX/XX/XXXX, they reduced my APY to 1.01 %. 
On XX/XX/XXXX, they reduced my APY to 0.70 %. 

Now, after failing to honor their promised APY for even a single month, and systematically gutting my APY every month since I opened the account, they will charge a {$25.00} fee if I close the account within 180 days of opening it. 

If they lured me into a savings account with the promise of an APY they couldn't even honor for one month, then they should not be allowed to hold my account hostage with account closure fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We have applied for a loan of XXXX and locked the rate at XXXX. We paid XXXX to do this. Chase came back and said we didnt qualify. I believe this occurred because the rate we locked was either a mistake or too low. Each time we asked a question we found out they didnt consider certain financial items we sent them. We dont know why. We Have significantly more assets and cash than what we were asking for. We asked for a supervisor XXXX, and he wouldnt even return calls or speak to me. He told my wife that we already sent your deposit back. We havent received it yet. I sent a nice email asking for help, and we received no response. We will likely lose the house now, and we have put down non refundable monies based on the agents discussions with us on the phone telling us we would qualify. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi Card Advantage mastercard kept e-mailing me that I was past due. I called the 800 number, and the number was based in the XXXX. Call kept dropping. I then sent a letter to CEO of the bank that issued the card. He sent me an e-mail with a number to call. I sent the payment on time in XXXX. 
I spoke with a woman by the name of XXXX. She told me she would call me back in a week. She never called me. I called yesterday, XX/XX/2020. Citibank did receive the check. XXXX claimed the check arrived Sunday XXXX. So that would make it five weeks. She blamed the post office. I asked her if she had the envelope ; XXXX said no. I spent 25 hours on this dispute. XXXX could care less. She said it was not a bank error. I do not agree. 
XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
As stated on my original complaint in XX/XX/2020 whereas Capital One Bank pulled my XXXX credit line for no reason after having for years In the middle of a Pandemic I was not satisfied with their response at all. 
I just recently found out that my credit score dropped 85 points on XX/XX/XXXX. All my bills are paid on time. 
I just wanted to bring this to your attention. 
Losing a credit line and having a severe credit score drop for no reason on behalf of a bully Capital One Banks business practices is horrific and very traumatic. 
And they can just get away with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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 — Problem with personal statement of dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
Ive had a XXXX XXXX  XXXX  with USAA since XX/XX/XXXX. With an Exceptional payment history & zero late payments on credit report per XXXX. I will attach proof in uploaded documents. I had {$5000.00} credit limit which is reflected on my XX/XX/XXXX card statement. I will attach a copy. Then statement dated XX/XX/XXXX under Transactions shows payments & credits totaling {$4200.00} in an attempt to improve my credit score by improving my credit utilization ratio which makes up for 30 % of your credit score. Which I was previously unaware of. After receiving my payment reduced my credit limit to {$2600.00} therefore preventing me the opportunity & impact advantage those large payments would have made to my credit score. I called to dispute at that time & was brushed off & never received any follow up or explation. I want my credit limit restored to the original {$5000.00} so I can receive the positive impact to my credit score the payment was intended to do in the 1st place. Paying off your debt should never have a negative impact to your score. It is sending the wrong message to consumers. They wanted my balance to remain high so they can charge me more interest charges & thats just wrong on every level. Especially considering Ive never missed a payment ( per XXXX  XXXX which proves it is about interest charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Bliksum, LLC
State: TX

Complaint narrative:
On the XXXX of XXXX I Revoked my permission to deduct payments from my bank account and requested that all EFTs and debits be stopped from my bank account and I provided all required information in my request per my loan agreement. I then received an email a couple of days later after going back and forth with them ( because I know my rights ) and they stated that my request has been completed. All of a sudden, a payment was deducted from my already negative bank account today without My permission. I expect my loan and the unauthorized payment to be returned and my loan to be canceled as they have violated the terms of our loan agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC
State: CO

Complaint narrative:
They are extremely rude on the phone and hassle me at all hours of the day. Starting from XXXX XXXX to XXXX XXXX or earlier or later.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
Navient you currently sent me a threatening letter stating your going to sue me if I closed the account in my name. My answer is Identity theft. The procedure to filing identity theft is to notify the company of identifying theft and have the account closed. This is my notice to Navient close the account and send me the Identity theft package.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Filed a complaint last year. This is the 6th complaint regarding the same issue. The Division of child support keeps closing then reopening my case when its been closed for several years. The statue of limitations has passed since the account has been reported to be opened since 2001. Equifax has remreapoved and deleted it 4 times, yret it keeps reappearing with inaccurate information that seems to change each time I dispute it. It was removed and deleted in XXXX of this year. I filed another dispute this week since it reappeared back on my report. The number that's listed for me to call is not listed.I called a 1800 number that's a call center, so now I'm filing a complaint since this is transpiring too often. I tried uploading documents through Equifax it would not allow it as well

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
There is an account from Credit Acceptance. According to court records in the City of XXXX, Ohio, the balance is {$3200.00} and payments were made by the responsible party ( XXXX XXXX ) through her employer monthly from XX/XX/2020 XXXX XX/XX/2020. Please see attached document. The court records are public knowledge and can be found at the website below, by searching for my name : XXXX XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
due to covid i recently obtain a copy of my credit report and noticed accounts that i did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
CMRE FINANCIAL SERVICES Has reported a collection for {$160.00} on my XXXX report on XX/XX/2020. They violated both the California and federal executive orders to freeze medical bill collections due to Covid-19 which I am a victim of. I am also completely not aware of any medical bill for {$160.00} nor have I needed any medical assistance for many years. This does not belong to me, I have never received any documentation and finally I can not even contact the company because they are presumable closed due to Covid-19. I ask this charge be removed from my XXXX credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have a line of credit with XXXX XXXX XXXX XXXX of XXXX. Upon check my report with Experian I noticed they are showing the account closed. I have contacted them to have a the account updated. They mention that XXXX XXXX is reporting the information to them. I contacted XXXX XXXX and the account is open in good standing and has been since the date it was open. I have asked Experian to update the correct information and they have failed to.

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 2020-07-30 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: MD

Complaint narrative:
due to covid i recently obtain a copy of my credit report and noticed accounts i did not authorize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I filed bankruptcy around 2015 and there are still accounts showing negative revolving that should be gone with a XXXX dollar balance.ive contacted equifax multiple times and they will not correct this. They but on dispute verbiage but never solve the problem or correct this was XXXX yrs ago!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: MD

Complaint narrative:
due to covid i recently obtain a copy of my credit report and noticed accounts that i did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: MD

Complaint narrative:
due to covid i recently obtain a copy of my credit report and noticed accounts that i did not authorize.

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