vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-16 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: MD

Complaint narrative:
Im very frustrated and confused as to why I still have inaccurate late payments being shown on my XXXX XXXX. I disputed these inaccurate late payments so many times. Im about to get married, and start a family with my wife. But I dont have my own home. I want to buy my first home so badly. But these late payments are really hurting it and preventing me from qualifying for a home. I really, really, REALLY like being a XXXX customer but I wish they would put the effort into looking into my concerns about the inaccuracies on my credit report. I want these late payments updated to current and paid as agreed. 
I called XXXX  on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 I called Experian on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 I called XXXX on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 I mailed out letters to XXXX, Experian, and XXXX on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 This account is inaccurate because - XXXX  states  30 days late on XX/XX/XXXX but XXXX and Experian state OK - XXXX  and Experian are reporting correctly. 
- XXXX  and Experian states 30 days late on XX/XX/XXXX but XXXX  states OK - XXXX  is reporting correctly. 
- I disputed these late payments multiple times, by law if I dispute an account it should state so in the Comments and it doesnt. This is a VIOLATION!

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 2020-12-16 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I did a pay for deletion with Victoria Secrets and the vendor agreed to do a pay for deletion and remove the charge off from my credit report due to me settling the account. I settled the account for {$470.00} on XX/XX/14. This is still on all 3 reporting agencies even though they agreed to remove since i settled the account. I contacted them 30 days ago and they have not responded to my letter I sent 30 days ago, or responded to my email or received a call back from a XXXX like I was told.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX # XXXX XXXX : {$3000.00}. 
Bought on XXXX Merchant : XXXX I ordered medical surgical disposable face masks. All medical masks have to have a filter layer per FDA who regulates the medical and dental supply. This person that sold us masks through XXXX  sent us masks that did not even have a filter layer in the middle of the masks. The masks were 2 layers of screen material. you could look right through the mask and see threw the other side. 
All the masks were sent back to the XXXX XXXX, return to sender via XXXX. XXXX Did a pick up on XX/XX/XXXX pick up # XXXX We could not use any of the masks as they were not even of any value at all. 
We sent pictures of the masks cut opened to show it had no filter layer and thereby would have infected a lot of people if they did not see these were fake masks. It is easy for even the XXXX  person out there in the public to see that this was not a real mask. We have asked the seller many of times to take them back. But they did not want to at first. then on XXXX they said we could return them make sure we listed 3rd floor on the return address. But we had them sent as return to sender which means XXXX will send them back to the address listed on the package as the return address at seller/shippers expense. Again we have already done just that. 
We have also had some luck with another dealer writing a letter for us stating these are not even face masks. But again Capitalone would not accept that. they try to come up with any excuse not to credit us back. 
the Buyers Guarantee from the XXXX  website and the sellers Shipping Guarantee is if it is late past the 15 days we can get a full refund. We ordered it on XXXX it was not delivered until XXXX. So even under the Guarantee we are entitled to a refund!! Capital one does everything they can not to issue a dispute for the merchant in these cases with XXXX. I Don't know why. But they are making the American Public lose confidence in the payment system and credit cards. 
We have Disputed this with Capitalone 3 times now with no Help at all. and this is a fraud case.!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-16 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: CA

Complaint narrative:
On XXXX, a letter was sent regarding in accurate and unknown things on my credit report its been 45 days later and no response received. them people are I feel like are taking advantage of me and they are really really ignorning my dispute. What I do know is that Section 611 ( a ) plainly stated that a failure to investigate these items withn 30 days they have to immediately remove those items from my credit report. This has caused me have emotional stress and I feel like I am losing my mind and I am having nightmares due to this stress of this situation. It has bee over 45 dys so they should be deleted now. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me and my family. My information was also impacted by the XXXX  data breach and my have gotten in the hands of the wrong person like scammers.

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 2020-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I reported fraudulent transactions on my credit card that came from XX/XX/XXXX which is a company I have authorized numerous purchases with before. The charges were not made in person, and I made the customer service representative aware that my card had not been lost nor stolen and had never been out of my possession. 

Tonight, I attempted to make a purchase with this card prior to going to the grocery store and the card was declined. Upon checking my account online, I saw that the card had been closed due to being lost or stolen, though I had never made such a report. 

I was given no noticed of the impending cancellation of this card. I did not receive a phone call, and email nor a letter and have been completely blindsided. In the midst of a pandemic wherein my hours have been cut and my income has decreased by over 60 %, I am left without a usable card with ZERO notice. 

When I called Wells Fargo, I was told that a new card was sent to me and would " probably '' arrived by Friday. So I will be without a usable card for three full days. I told the customer service rep to reopen my card as I had never reported it stolen in the first place, which she refused to do. Instead, she told me that I could go into a branch and get a cash advance, which of course carries phenomenally high fees. 

Essentially, this company has blindsided me by falsifying information and then telling me my only option is to borrow money from them at an exorbitant rate in the meantime.

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 2020-12-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
XX/XX/XXXXXXXX XXXX provided service XX/XX/XXXX and generated a {$2100.00} and {$280.00} charge but did not submit the claims to my medical insurance in a timely fashion and in XXXX it was first resolved that there was no patient liability. I have disputed the claim on my credit report twice now and have had it removed but they continue to harass me with the same report to credit agencies and affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: KY

Complaint narrative:
I submitted disputes XX/XX/2020 and have YET to receive any indication of an investigation being started. I feel like I'm being toyed with and taken advantage of at this point. According to the FCRA credit reporting companies must investigate items in question within 30 days. It's been over 30 days and still nothing. Please resolve this and delete all inaccurate/unverifiable items from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: KY

Complaint narrative:
I submitted disputes XX/XX/2020 and have YET to receive any indication of an investigation being started. I feel like I'm being toyed with and taken advantage of at this point. According to the FCRA credit reporting companies must investigate items in question within 30 days. It's been over 30 days and still nothing. Please resolve this and delete all inaccurate/unverifiable items from my report immediately.

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 2020-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
Collection company is called : AMSHER COLLECTION SERVICE. Its address is : XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX. The bill was a XXXX bill for {$280.00} and the collection was opened on XX/XX/2020. I did not notice it until I checked my credit report 2 weeks ago. I have never used XXXX in my life. I have disputed this with the company, but they claim the information is accurate. It is very frustrating!! 

Thank you for all your help! The CFPB is the best agency the US government has to offer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding multiple inaccuracies on my credit report. It has been over 45 days and I have NOT received a response. My disputes are being ignored and I feel like I am being taken advantage of. I demand the immediate removal of these items as Section 611 ( a ) states that failure to investigate these items within 30 days results in immediate removal of disputed items. Additionally, my information was impacted by the XX/XX/XXXX data breech and it may have been compromised. I will take legal action to protect my name, standing, as well as for the undue stress that this has caused if this situation is not remedied. Again I demand that these accounts be removed immediately.

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 2020-12-16 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: IL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding multiple inaccuracies on my credit report. It has been over 45 days and I have NOT received a response. My disputes are being ignored and I feel like I am being taken advantage of. I demand the immediate removal of these items as Section 611 ( a ) states that failure to investigate these items within 30 days results in immediate removal of disputed items. Additionally, my information was impacted by the Equifax data breech and it may have been compromised. I will take legal action to protect my name, standing, as well as for the undue stress that this has caused if this situation is not remedied. Again I demand that these accounts be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
Common wealth financial reporting on my credit report and it's violating HIPAA law and I would like it removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XXXX, a letter was sent regarding in accurate and unknown things on my credit report its been 45 days later and no response received. them people are I feel like are taking advantage of me and they are really really ignorning my dispute. What I do know is that Section 611 ( a ) plainly stated that a failure to investigate these items withn 30 days they have to immediately remove those items from my credit report. This has caused me have emotional stress and I feel like I am losing my mind and I am having nightmares due to this stress of this situation. It has bee over 45 dys so they should be deleted now. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me and my family. My information was also impacted by the XXXX  data breach and my have gotten in the hands of the wrong person like scammers.

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 2020-12-16 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: CA

Complaint narrative:
On XXXX, a letter was sent regarding in accurate and unknown things on my credit report its been 45 days later and no response received. them people are I feel like are taking advantage of me and they are really really ignorning my dispute. What I do know is that Section 611 ( a ) plainly stated that a failure to investigate these items withn 30 days they have to immediately remove those items from my credit report. This has caused me have emotional stress and I feel like I am losing my mind and I am having nightmares due to this stress of this situation. It has bee over 45 dys so they should be deleted now. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me and my family. My information was also impacted by the equifax data breach and my have gotten in the hands of the wrong person like scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: ADP, LLC
State: TX

Complaint narrative:
Was XXXX from having a XXXX XXXX upon discharge noticed fraudulent transactions called to disputes charges was initially told woyld take 5 to 6 mos called daily weekly until received resolution letter company denied sending letters was asked to send in copy was treated unfaidly and rudely by several employees supervisors had phone hung up on in face letter stated reimbursements only company denied sending letter and re cant reimbursement. as result became XXXX couldnt pay late fees delinquent charges and penalties

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Klarna AB
State: NY

Complaint narrative:
I purchased some items at home depot and was approved for a Klama Inc credit account. 
I had a balance due in the amount of XXXX dollars and when I attempted on line to make payment prior to the XX/XX/XXXX due date and I was not able to. The Klama Error message was I could not submit payment at this time. I tried many times and Failed. I tried calling Klarna customer service to resolve the issue and just got recorded massages that said to go on the web and pay. 
However I received a late pay email from Klarna on XX/XX/XXXX with a XXXX late fee then the payment was accepted. I paid a total of XXXX the XXXX Plus the XXXX late fee. I do not have time to play these games with a company that rips people off with fees. The company has committed a grave malfeasants in this matter. XXXX knows how many other people they did this to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have asked Experian, XXXX, and XXXX  along with XXXX XXXX XXXX to please look into to making sure this account is not an erronous, inaccurate, unverified account Account number XXXX. They are using there power to ignore my request for ALL supporting documentation. They are all in violation of 15 U.S. Code 1692 ( d ) ( 1 ) buy using illegal tactics to ruin my reputation and profit off my credit report. I am in the middle of trying to purchase a home. They are making me stressed causing me great anxiety because they are doing this to keep me at a disadvantage. They all assumed this position to keep accurate records and I believe they are not doing so.

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 2020-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
I terminated my XXXX XXXX XXXX XXXX XXXX about 2 years ago when I switched form another carrier. XXXX XXXX XXXX online sales person confirmed the promotion, offered me a great deal if I switched and completely deceived me. I switched 6 lines and, from day one, started to noticed my online account piling up huge bills which continued for several months. XXXX XXXX XXXX added additional services without my authorization and promotions were not added to the account. XXXX XXXX XXXX also extended my contrct to a longer period without my knowledge while I was under a shoter term contract. I struggled to resolve issues with XXXX XXXX XXXX but got a run around each time. 

I filed complaint with Texas Attorney General and FCC which forced XXXX XXXX XXXX to contact me. The representative worked on the case and we agreed to terminate the contract with {$0.00} cost to me and nothing owed to XXXX XXXX XXXX since my original contract was fulfilled. I switched to another carrier after and have been with the other carrier for almost 2 years now. 

3 weeks ago, I started to get collection calls and also receive a collection letter and emails from " Receivable Performance Managment LLC '' which handles XXXX XXXX XXXX XXXX collections. I told them that I did not owe any money to XXXX XXXX XXXX but they kept asking me to pay.

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