vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have 2 collections accounts on my credit report that are still showing through experian. XXXX  and XXXX have both removed these accounts. They are both from XXXX, XXXX, and XXXX. One is for XXXX and the other is for XXXX. When I called Experian on XX/XX/XXXX the lady I spoke with couldnt give me an explanation as to why this would be. And could only file a dispute on my behalf. I'm not denying that the accounts were mine. I would like to know why 2 other agency 's have removed these from my report and 1 still shows them.

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 2020-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions
State: KY

Complaint narrative:
XXXX XXXX ( property management company ) reported I had an unpaid debt from an apartment I lived in almost two years ago. This had to do with pet damage and payments were made to the office. No invoices were provided and no verification was provided that debt was paid in full. When I attempted to contact the management at the apartment complex after payment to inquire about the final payment, I received no return call or return email. I NEVER received an invoice in the mail or notification that this debt was not paid. The apartment complex was XXXX XXXX in XXXX, KY and I understand that the management company no longer manages the property. 

After being contacted by Rent Recovery Solutions and told that I had a collection of {$1000.00}, I contacted XXXX  XXXX to speak with the management about the matter. I was informed that XXXX no longer managed the property and I would need to contact Inland directly - which I did. I called and spoke to someone about the claim and she stated someone would call me back to discuss - which they never did. 

Being that this occurred so long ago, my daughter and I have tried to find the various sources of payments we made. This accounted for almost {$600.00} of the debt ( not counting the check my daughter wrote in my presence and handed to management which they NEVER cashed. This information was submitted to XXXX. I have attempted to contact them again via email and by telephone numerous times and have left at least 3 voicemails. This dispute is now showing on my credit and I want to make sure it goes no further. This is showing on both mine and my daughter 's credit in dispute. I work for a mortgage company and I know what something like this can do to my credit score. We moved out of our apartment in XX/XX/2019 and the payments were made through XXXX. The new management at XXXX did tell me that they have had numerous complaints from others in the same situation with regard to the old management company. 

All I want to know is that this matter is not going to report as a collection. In talking to Mrs. XXXX at Rent Recovery, she gave me two wrong email addresses to send my documentation to and now that I finally had it submitted, I now can not get hold of her or anyone to tell me what is going on. Please help me find out what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 


1. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
On XX/XX/2020 : I received an email from PayPal notifying me of the Permanent Account Limitation on my account with no valid justification or reason for the decision that was made and the action taken relative to my account.

The email notification also did not provide me with any direction or ability to resolve this matter, which is a part of PayPals user agreement and a potential violation on behalf of PayPal, which could deem the user agreement between the two parties null and void.

PayPal shutdown this account instantly and without merit and is holding my available funds for 6 months with no explanation or factual basis stated to justify the right to govern the transfer of my available funds to my linked bank account. 
I have communicated through the resolution center on numerous occasions requesting factual evidence related to this issue and for a solution to resolve this matter with no success.

PayPal Inc. refuses to provide any valid/factual violation to justify PayPals decision regarding my account and PayPal refuses to release the balance of funds for transfer to my linked bank account. 

Prior to this current matter, I have never received any communication or notification from PayPal concerning any negative activity associated with this account in reference to fraudulent activity, high risk behavior or any other matter that has violated PayPals user agreements and represents any associated risks for PayPal in the 9+ years the account has been active.

The balance of funds in the account present no associated risk for PayPal as the funds were processed via customer credit card payments not PayPal account balances and the funds are backed by legal binding
sales contracts for services rendered and would be governed by the state of South Carolina should any dispute arise. Therefore, PayPal does not have the right to govern the funds at this point, leaving no valid or credible reason for the funds to be held in the account and not be released for transfer to my linked bank account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Transunion. 


1. Company Name : XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft

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 2020-11-13 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XX/XX/2019 I paid my XXXX XXXX XXXX balance in full after learning from customer service that I had missed a payment. I continued to make my monthly payment even though payment had become an issue. Prior to this I had always paid my balance in full each month. I asked the creditor on several occasion to remove the excessive charges as a goodwill gesture. Original creditor : Comenity Capital Bank refused to do so and has continued to assess late fees, and/or finance charges, and/or other fees causing my account balance to exceed my credit limit. Comenity has reported this on my credit report. This has negatively effected my good credit score. Comenity sold the account to a debt collector : THE BUREAUS who continues to increase the balance and causing my credit rating to go bad, thereby causing me to miss opportunities to improve my credit rating and create a better standard of living for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: SECURITY FINANCE CORP
State: LA

Complaint narrative:
On XX/XX/2020 I sent this dispute to XXXX to get this erroneous information disputed and taken off my credit profile for numerous of reasons, they are reporting incorrect and inaccurate information. This company hasn't showed any kind of deficient validation to this fraudulent account. Someone stole all my personal belongings. Also this company has took 40 something odd days to respond and I haven't had any type of correspondence from them at all.

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 2020-11-13 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: EQUIFAX, INC.
State: LA

Complaint narrative:
On XX/XX/2020 I sent this dispute to Equifax to get this erroneous information disputed and taken off my credit profile for numerous of reasons, they are reporting incorrect and inaccurate information. This company hasn't showed any kind of deficient validation to this fraudulent account. Someone stole all my personal belongings. Also this company has took 40 something odd days to respond and I haven't had any type of correspondence from them at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: SOUTHWEST COLLECTION SERVICES INC.
State: LA

Complaint narrative:
On XX/XX/2020 I sent this dispute to XXXX  to get this erroneous information disputed and taken off my credit profile for numerous of reasons, they are reporting incorrect and inaccurate information. This company hasn't showed any kind of deficient validation to this fraudulent account. Someone stole all my personal belongings. Also this company has took 40 something odd days to respond and I haven't had any type of correspondence from them at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase Bank enrolled me in COVID program to halt payments ( interest still accruing, etc., which I agreed to ). Then harassed me 4x / day with calls. Finally I logged into my account to see what the issue was. Still showing {$0.00} payment due, per our COVID assistance program. Continued to get harassing e-mails and calls, which I had to block. Finally called them. Spoke with rep for over an hour, who repeatedly told me that despite COVID protection, I was still considered late. He repeatedly told me, " Yes ma'am but you don't understand, your account is still 15 days late, even though you technically don't owe a payment. You won't become delinquent until 30 days, '' etc. I contested : " Actually, the nature of our agreement is that I would NOT be considered late, assessed fees, or sent to collections, and furthermore, I've logged into my account and have no option to pay, it says " No Payment Due. '' Again he insisted I was not understanding something, and eventually hung up on me without attempting to call back despite me repeatedly saying I was still on the line. I was devestated by the trickery I felt by the supposed " COVID assistance '' Chase is deceptively providing consumers. I have since paid my account in full but I will never trust this company again, nor will I be using these accounts anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have filed a dispute and also supplied them with supporting documents in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2020-11-13 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: GA

Complaint narrative:
I have filed a dispute and also supplied them with supporting documents in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2020-11-13 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: AMERICAN EXPRESS COMPANY
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 2020-11-13 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: DISCOVER BANK
State: PA

Complaint narrative:
This has been on my credit for some time now and I never knew what it was and I am not familiar with this statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Scammer called from unknown number and stated that I had a {$490.00} charge on my Amazon Visa credit card. Did I make that charge in XXXX. He then wanted my card number. I did not give any info to the caller because I knew this was a fictitious call. The number called from was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
My Spouse XXXX XXXX XXXX, Submitted our joint tax returns from the IRS for the previous two years as requested by American Express during the credit limit increase process. Problem I have with this is American Express has not explicitly written to confirm receipt of these sensitive documents. I ( XXXX XXXX XXXX XXXX XXXX am not an American Express card holder, this would be considered collecting third party information. Without American Express making a decision on the credit limit increase, I have no way of knowing if American Express is simply collecting these documents and what they're intent and purpose is. This is unethical and should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I have open complaint but new evidence urgent I need to let sps know I have doc show I opt out XX/XX/XXXX decline so that reason XXXX say loan became default start XX/XX/XXXX for 5mos say I was 151days default so partial claim sibordinate look legit I finally spoke to someone today in osbudman group she was very truthful she did not use the stall tactics sps used last 90 days what she told me today when she found I had lawyer send complaint it is not on them to fix a deceptive modification so all docs I sent in were waste of time and I am upset I feel I was misled they are not the owner and trust holder of note as they claimed I need to find out who is responsible for my disception I have new evidence I actually OPT out XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On the XXXX of XXXX b of a charge me and took my new XXXX $ for no reason. I have called every since XX/XX/XXXX. Only to be hung up on and no answer. After 8hrs on the phone daily. I need help. And also my remaining XXXX . The have stolen XXXX $ of my money and know one will answer there phone

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 2020-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
Submitted a credit limit increase request online, was required to submit IRS Tax Transcripts via online or by mail. I elected by mail, since I am not a United States citizen and have not previously lived in the United States. It's been an unreasonable amount of time and I have not received a decision. My concern is that American Express is collecting my personal financial information and possibly sharing it with third party agencies or other lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: Ascendium Education Group
State: CA

Complaint narrative:
I don't have an account with this company ASCENDIUM EDUCATION. My loans have been settled from XXXX and the only loan I have is a private with another l lender. 

This company ASCENDIUM EDUCATION has never been in contact with me via mail or phone. I've disputed several times and the credit agencies are not investing properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: CA

Complaint narrative:
XXXX, XXXX  and Experian have violated my rights by reporting this incorrect account that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter. AND THEY WONT RESOLVE THIS ISSUE.

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 2020-11-13 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On XXXX XXXX 2018, Portfolio Recovery Associates, LLC added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred sold and I am no longer responsible for the account Debtor 's creditor did not verify this collection. Also, there was NO contract, or signature for this accused debt at all. A bill without a written signature does NOT validate the debt and anybody can send a bill and say its mines. According to the FCRA, Profolio Recovery Associates, LLC has violated my rights as a consumer and I'm requesting legal action to remove this account immediately

Company response to consumer: Closed with explanation