vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Credit Karma, LLC
State: FL

Complaint narrative:
Received a call from a company offering to help me with my unsecured loans. The call stated they new I had unsecured loans and could help with them. I asked where this information was obtained from, and was told Credit Karma. I contacted Credit Karma and informed them of what had transpired and asked how did this company get my information from Credit Karma. The response I received was it was probably a telemarking company or a scam. This did not answer how they received information on my unsecured loans and such. I have continued to try and resolve this with Credit Karma and have not had any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I applied for a credit line increase and capital one declined my request using an outdated and expired credit score. They need to use an updated credit report to approve my increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have been working on getting feedback about a few account reporting on my credit report. I have been reaching out to XXXX, XXXX and Experian for a few months now and have received no response. I mailed out my final letters on XX/XX/2021. Each of the letter mailed out on XX/XX/2021 were sent certified. Tracking number listed below : XXXX XXXX XXXX The items in question are : XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) ( XXXX ), XXXX XXXX XXXX I ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ), XXXX XXXX  ( Original Creditor : XXXX  XXXX  ) ( XXXX ) Please have the XXXX, Experian and XXXX delete these items from my credit 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 2021-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions
State: MO

Complaint narrative:
Rent recovery date assigned XX/XX/2020 has been on my credit file saying that i owe them {$6800.00} and i never did business with them but they are reporting on my credit reports with negative information trying to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I had sent in payments to clear up the debt but did not receive any notification that the debt was cleared

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I XXXX XXXX, entered into a consumer credit transaction with Paypal Credit on XX/XX/20. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. Paypal Credit, outside of the finance charge, charged me monthly/incremental payments, as well as late fees for the monthly/incremental payments, which clearly violates 15 usc 1605. Furthermore, Paypal Credit never clearly disclosed to me their violations, which itself is a violation pursuant to 15 usc 1611.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
Opened XX/XX/2020 owing balance {$610.00} but i dont know this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
On Friday, XX/XX/XXXX I got an email from paypal : You can no longer do business with PayPal ( Ref ID - XXXX ) That was after 30 minutes from receiving a payment via PayPal. I was shocked because my account was in a good standing since almost 2 years, I have not received one single dispute because I'm not seller at all. I'm using paypal only to receive money from some making-money websites. They didn't even ask me to submit documents to confirm my identity. I tried to contact them but i'm just getting replied from bots maybe. I tried to phone them but I'm stuck in the queue for many minutes until my phone balance runs out. I have now {$180.00} stuck in my paypal account and I'm unable to withdraw it until XX/XX/XXXX. I have bills to pay and I can not wait for 6 months. Everything is ruined now and I'm asking paypal to restore my account or at least releasing my funds so I can withdraw them and if they need any documents, i'm ready to submit them. Waiting for PayPal reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I XXXX XXXX, entered into a consumer credit transaction with Bank Of America on XX/XX/19. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. Bank Of America, outside of the finance charge, charged me monthly/incremental payments, as well as late fees for the monthly/incremental payments, which clearly violates 15 usc 1605. Furthermore, ( company ) never clearly disclosed to me their violations, which itself is a violation pursuant to 15 usc 1611.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I honestly dont remember the debt. I went ahead and told them that but also took responsibility to clear my name. I ended making a one full payment for the collection and they assured me they were gon na remove the collection from my report. It has been its been 45 days since they day I paid it off and it still shows on my XXXX report. I never received a payment confirmation letter or anything other than a confirmation payment. That was told to me over the phone they said I was going to get a letter and they were going to take that out of my credit. I called them again and they told me now that they dont remove collections that is going to show as paid collection, when I was told otherwise to convince me to pay it off. I dont even have my full account number. I just know the original creditor is XXXX XXXX and the collection was paid to NATIONAL CREDIT ADJUSTERS. My name is XXXX XXXX  XXXX XXXX and my social security is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC
State: MO

Complaint narrative:
Placed in collection XX/XX/2021 and the asking balance is {$810.00} which i dont even know this company nor did business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo is playing a game with serious negligent, unlawful procedures relating to my dispute. I submitted a complaint first directly to them 1st week XXXX, then with CFPB XX/XX/21. It is now XX/XX/21. Complaint number XXXX. Can CFPB look deeper into complaint re : banking regulations offenses? Wells Fargo has a history of disregarding the law and consumer abuse and it continues today despite Congressional Investigations and condemnation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
I was out of town on the days of XXXX  XXXX XXXX, and I had 5 charges in the city I live in which is XXXX, XXXX. Like I stated, I was in XXXXXXXX XXXX for a work conference, so the charges could not have been made by me, and my card was in my possession. I disputed the charges with Chime Bank, and the claim came back as denied. This is the 2nd time I have had unauthorized charges on my account when I have been out of town, and the same thing has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: MO

Complaint narrative:
Placed for collection XX/XX/2020 and this company is reporting inaccurate information on my credit report saying that i owe {$700.00} wihich i havent even did ant business with this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I XXXX XXXX, entered into a consumer credit transaction with Bank Of America on XX/XX/06. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. Bank Of America, outside of the finance charge, charged me monthly/incremental payments, as well as late fees for the monthly/incremental payments, which clearly violates 15 usc 1605. Furthermore, Bank Of America never clearly disclosed to me their violations, which itself is a violation pursuant to 15 usc 1611.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: MO

Complaint narrative:
This open collection XX/XX/2021 say i owe {$1200.00} and i never did business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Credit inquiries in report that do not belong. I have tried disputing them and Im getting nowhere.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Credit inquiries in report that do not belong. I have tried disputing them and Im getting nowhere.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Credit inquiries in report that do not belong. I have tried disputing them and Im getting nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
I XXXX XXXX, entered into a consumer credit transaction with Goldman Sachs Bank Usa on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. Goldman Sachs Bank Usa, outside of the finance charge, charged me monthly/incremental payments, as well as late fees for the monthly/incremental payments, which clearly violates 15 usc 1605. Furthermore, Goldman Sachs Bank Usa never clearly disclosed to me their violations, which itself is a violation pursuant to 15 usc 1611.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
When I applied for this line of credit, I was never offered the payment protection should I become unemployed or incapacitated. I reached out many times, as I was laid off due to COVID-19, and the company never offered any help. I come to find out, all of this time, they had a payment protection program which could have helped me eliminate this debt and make my life less stressful and not destroy my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I got a notification from my XXXX XXXX XXXX  that XXXX XXXX XXXX was running my credit I called XXXX XXXX XXXX and they told me that XXXX was inquiring on my credit because they opened and account using my name but a last name that I havent use in years for an XXXX that I never orderedhowever XXXX XXXX also told me that even though XXXX was checking on my credit they dont have anything under my name. called XXXX, XXXX does not have an account under my name and I opened and investigation with XXXX XXXX XXXX and XXXX. And even though they told me that I didnt have an Account with them I got a bill from XXXX XXXX XXXX. I also reported it to XXXX  and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 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: GA

Complaint narrative:
XXXX  XXXX XXXX ( Total Credit ) VISA I applied for this card Not sure of date After having the card awhile I was " Offered '' to receive a XXXX XXXX  card.. I filled out the form and a new card... NOT another card a new card came in mail. Balance was same. Because to start a New card You had to pay up front {$89.00}. the website is XXXX which You can see what is offered. The card has no amenities, ,NO chip, can only pay one way cant rent!! minimum {$300.00} and they charge {$8.00} plus interest every month. with a balance or not forever!!! As my credit got better Offers came in and I wanted to close the card eventually. 
What they did issued the new card and did not close the other.. as I paid the bill, I was informed after 60 days.. I was late!! I did not pay my other card. After them acknowledging the ERROR.. the information returned on my report and Ive Disputed it several times. I am holding these people accountable to this. I will go further with the complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 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: GA

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXX ) XXXX I applied for this card Not sure of date After having the card awhile I was " Offered '' to receive a Flower print card.. I filled out the form and a new card... NOT another card a new card came in mail. Balance was same. Because to start a New card You had to pay up front {$89.00}. the website is XXXX which You can see what is offered. The card has no amenities, ,NO chip, can only pay one way cant rent!! minimum {$300.00} and they charge {$8.00} plus interest every month. with a balance or not forever!!! As my credit got better Offers came in and I wanted to close the card eventually. 
What they did issued the new card and did not close the other.. as I paid the bill, I was informed after 60 days.. I was late!! I did not pay my other card. After them acknowledging the ERROR.. the information returned on my report and Ive Disputed it several times. I am holding these people accountable to this. I will go further with the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 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: GA

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXX ) XXXX I applied for this card Not sure of date After having the card awhile I was " Offered '' to receive a Flower print card.. I filled out the form and a new card... NOT another card a new card came in mail. Balance was same. Because to start a New card You had to pay up front {$89.00}. the website is XXXX which You can see what is offered. The card has no amenities, ,NO chip, can only pay one way cant rent!! minimum {$300.00} and they charge {$8.00} plus interest every month. with a balance or not forever!!! As my credit got better Offers came in and I wanted to close the card eventually. 
What they did issued the new card and did not close the other.. as I paid the bill, I was informed after 60 days.. I was late!! I did not pay my other card. After them acknowledging the ERROR.. the information returned on my report and Ive Disputed it several times. I am holding these people accountable to this. I will go further with the complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 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: RS Clark and Associates, Inc.
State: GA

Complaint narrative:
RS Clark & Associates has never contacted me in regards to a debt they claimed was owed to them, but continued to report it to all 3 credit bureaus monthly. The account balance they claimed to be due, was paid directly to the original creditor XX/XX/2021, with whom I still have an account and RS & Associates was notified the same day by myself and the original creditor, that no balance was due. Instead of correcting their records, they sent an update to the credit bureaus saying my account was still owed as of that day. I filed more than 6 disputes providing receipt of payment and account screenshots and each time they would respond that my account balance wasn't paid and still outstanding as of XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 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: TX

Complaint narrative:
I was scammed by a merchant named XXXX and I have reached out to the merchant several times to resolve the issue directly but they have ignored all my inquiries. I called them multiple times and the operator said they'd get back to me within 24 hours but they never fulfilled the promise. The merchant is conducting the business in a deceptive way so I decided to file a dispute. However, Capital One is not helping me at all in this case. They instead took back my credit and sided with a scammer. I am very disappointed by Capital One 's action in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I honestly dont remember the debt. I went ahead and told them that but also took responsibility to clear my name. I ended making a one full payment for the collection and they assured me they were gon na remove the collection from my report. It has been its been 45 days since they day I paid it off and it still shows on my XXXX report. I never received a payment confirmation letter or anything other than a confirmation payment. That was told to me over the phone they said I was going to get a letter and they were going to take that out of my credit. I called them again and they told me now that they dont remove collections that is going to show as paid collection, when I was told otherwise to convince me to pay it off. I dont even have my full account number. I just know the original creditor is SPEEDY CASH and the collection was paid to XXXX XXXX XXXX. My name is XXXX XXXX  XXXX XXXX and my social security is XXXX.

Company response to consumer: Closed with explanation