vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These multiple addresses are reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL My correct date of birth is not reporting XX/XX/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 2019-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BOK FINANCIAL CORP
State: MD

Complaint narrative:
On XX/XX/2019 I contacted XXXX XXXX XXXX, a division of BOKF Financial,  cause I couldn't access my account. I signed up for an online account that is available for anyone in the US about 2 months ago, though I live in Maryland. I signed up for an account due to the second chance banking opportunity. After speaking to XXXX in the loss prevention department, I was informed that my account was flagged. I was told that it looks like I applied for my account in a different state than where I had it delivered, I actually didn't and if my IP address was an issue at the beginning, I should of been notified or asked to verify myself then. I figured if that's a flag for fraud, I should of never been able to instantly open an account. I was also told my account balance was also a flag because it was {$17.00} in the negative since Tuesday, XX/XX/XXXX only two days. I actually had funds on the way that took longer than expected which is why I was checking my account and why it was in the negative. I offered to verify whatever I needed to and he asked if I can come into a branch in Texas after I told him I don't live there. Im using online banking, why can I not verify myself online? After hanging up and calling back, I speak with XXXX again and he tells me that they're actually closing my account. I attempted to escalate the call, he wouldn't allow me to. I do not know why I was offered to verify myself when the account was being closed anyway. I did nothing wrong, I committed no fraud, I wasn't allowed to verify myself and they have no right to shut my account down. it was completely unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/2019 we purchased a service with XXXX XXXX XXXX XXXX ( also known as XXXX   XXXX XXXX XXXX by XXXX XXXX ) for our group of 23 people to go to various islands and snorkeling activities out of XXXX. The bases of the dispute is that XXXX XXXX XXXX XXXX took us to 1 island only and did not follow thru with the itinerary that had been planned out. Most of the conversation was over the phone. At the end of the day with much confusion XXXX XXXX XXXX XXXX charged my card {$4400.00} for services NOT rendered. This is the cause of the dispute. I tried dealing with XXXX XXXX XXXX XXXX and they were not budging on refunding us partial payment due to not following the itinerary that had been planned. So I then went to my Credit Card Chase Sapphire Dispute Department to resolve the issue. After many, many phone calls and months of dealing with this dispute, our Credit Card has sided with XXXX XXXX XXXX XXXX word over ours on what went on that day. Basically XXXX XXXX XXXX XXXX has continuously lied about the events that day and even said they gave us a credit which was also another lie. I have spent so much time on this and can not believe that we as customers with a very good history have to deal with our Credit Card on this level. 

There was another large group lead by XXXX XXXX on this excursion who also felt they were not given what was promised. That group also disputed the charges and was refunded the money by their Credit Card company. 

On the attached PDF pages 12 -14 give details of what went wrong that day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am convinced that Equifax does not read disputes or truly investigate. They just send the same old generic responses. Attached is documentation that XXXX XXXX XXXX XXXX has placed incorrect information on my credit report. The date of 1st delinquency is incorrect and the company is reporting it incorrectly on purpose so that they can leave the information on my credit report longer than the 7 years they allowed to by law. I have attached a detailed bill. Please see the 1st date of delinquency and get this off of my report please. 


They also have an account listed from XXXX XXXX XXXX and they keep saying we confirmed this is your bill. This is NOT my bill. My daughter is XXXX XXXX XXXX. She went to the dentist. NOT me. I am the person that pays for the insurance premiums but that does not legally make me the guarantor or legally responsible for her bill. This is not my bill. Those are not my teeth!!! But Equifax sends a generic response saying it's been confirmed as my responsibility. HOW?!!! 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
There's an account from XXXX/XXXX XXXX listed on my credit report, but I do not owe this company ANYTHING. They sent me a card in the mail after an online pre-approval, but I never purchased anything with them. The card wouldn't work and I called their customer service number and they advised me that this card was closed because they approved me in error, due to my FICO score I shouldn't have been approved. I was never able to use the card at all, so I'm unsure of how I owe them anything. I tried disputing the amount that they claimed I owed on several occasions with no luck. I don't understand how they approved me, sent me the card, closed it and yet they state that I owe money for a card that I was never able to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: FL

Complaint narrative:
In XX/XX/XXXX, I disputed several inaccurate entries that were reflected on my Experian and XXXX  reports ( see attached ). Previous addresses as well as previous employment that is incorrect and several other accounts that are reporting inaccurately are currently being reflected on my reports. Please see attached copies of disputes that were sent to both bureaus and as of today, XX/XX/XXXX, neither Experian nor XXXX have responded to my dispute. I have not received any correspondence from either bureau requesting any additional time to investigate nor have I received any initial correspondence from them responding to my initial dispute. My tracking via USPS for Experian reflects they were in receipt of my dispute on XX/XX/XXXX ( USPS tracking number XXXX ) ; see attached copy of return receipt. My tracking for XXXX  reflects they were in receipt of my dispute on XX/XX/XXXX ( USPS tracking number XXXX ) ; see attached copy of return receipt. 

Consumer law mandates credit reporting agencies respond within 30 days to disputes from consumers. Experian has had 58 days and have yet to respond. XXXX has 54 days and have yet to respond. As previously stated, neither bureaus has not responded ; therefore, each item reflected on my disputes to each bureau must be deleted. Additionally, I would like a full, updated copy of my credit reports reflecting the changes be sent to my address.

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 2019-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX i tried to link an external bank account and was informed that i needed to send secure documents to prove ownership of my acct i did several times they blocked my account and everyday i was sending support messages through the app i called on several occasions and was informed no manager on duty they blocked my account and i had no access to my funds XXXX helped me and my account was unblocked after 2 wks of my funds being held from me that was on Thursday XX/XX/XXXX i was able to pay some bills and transfer money from simple to simple but then on Friday XX/XX/XXXX my account was blocked again and i haven't had access to my funds since i have spoken to several people from the date of XX/XX/XXXX and i have not gotten anywhere i spoke to manager XXXX on SaturdayXX/XX/XXXX and was informed a check was going to be mailed to me expedited and today is XX/XX/XXXX and they r still holding my funds i have a medical condition and i need to see my XXXX and take medications on a daily basis and they r holding my funds and i haven't been able to pay anything and my rent is due on the XXXX this is all my funds i have available to me and i am not getting anywhere with customer service because supposedly they do no have a manager on duty what type of company is this they should be ashamed and the representative XXXX XXXX was the one that closed my account without my authorization he is rude and unprofessional he should not be working in a customer service dept

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
On XX/XX/18 I certified mailed a Validation of Debt Letter to XXXX in relation to a debt collection I received. XXXX failed to respond with the information as is required by the FCRA. They then put several accounts on my credit report. 

These actions are illegal according to the FCRA and I am demanding that all items be removed from my credit report as well as a check to be written to me in the amount of {$1000.00}, as is required by the FCRA for this illegal offense.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My lease XXXX XXXX was in accident on XXXX XXXX, 2018. I reported the accident to my XXXX XXXX ( within 2 hours after returning from the hospital ). XXXX followed up from that point dealing with XXXX XXXX loss department. They issued a payment check to XXXX for the lease car ( XXXX, 2018 ). XXXX then proceeded with their internal resolution process for loss cars. I was told they would contact me once completed. They competed it in XXXX of 2018. I started receiving phone calls from XXXX around Mid XXXX. of 2018 re their resolution result. I never received any letters from XXXX re completion just phone calls. I returned their call and was told that that my lease insurance ( GAP ) was only responsible for a payment of XXXX and I would have to pay them XXXX to complete the entire process and will thus have a XXXX  balance. I contested the XXXX GAP insurance payout because it was incorrect ( because XXXX had intentionally have the wrong date for the accident which made the Gap insurance less than it should since they had me noted as not making my monthly payment when the car was already written of. XXXX GAP Ins. agreed they had the accident date incorrect and resubmitted the claim for a corrected determination. I was told by two XXXX GAP customer representatives around early XXXX. 2018, to wait for the claim process to complete again for my payment responsibility after GAP re calculated their liability to so I can resolve the balance. During that claim process XXXX prematurely and erroneously sent my account to collection ( XXXX ). Sometime around XXXX. XXXX, I received a call from the collection agency saying that I owed XXXX XXXX. I was extremely angry at which point I told the debt collector I will call XXXX to resolve this because my GAP insurance claim is still being resolve with XXXX and thus I have no idea, why this account would be sent to collections. In fact, there was not a final payment determination for my portion. I called XXXX who then said that they are no longer responsible and did not help me except to say resolve it with the collection agency. By the end of XXXX. ( maybe early XXXX. ), XXXX GAP insurance finally process the corrected claim ( they were now responsible for XXXX dollars instead of their initial XXXX ) and gave me a final corrected payment of XXXX. I promptly resolved that payment with the debt collector on XXXX. XXXX. XXXX XXXX has put my credit history in jeopardy for a mistake made on their end, and during the correcting of their mistake they prematurely sent my account to collections despite assurances that I should wait for the completing of my XXXX GAP insurance claim process. This account was paid and finalize in less than 2 weeks from XXXX GAP insurance GAP claim completion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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:
Incorrect names are reporting on my credit file. 
XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My full date of birth is not reporting XXXX Incorrect addresses are reporting on credit file XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-25 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: TX

Complaint narrative:
recently reviewed my credit file and found an account reporting in error. I contacted all three credit bureaus and disputed the inaccuracy. The account was removed by XXXX and XXXX but Experian has yet to remove the item or provide method of varication. I have sent the attached results from the Experian investigation showing the account was investigated and removed. By law, under the FCRA, all information found to be inaccurate from either credit bureau must share their finding with all other bureaus and that information must be removed

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 2019-04-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
PayPal keeps displaying different balances when I log in. 

Today I answered a robocall, and was informed by the debt collection person that my account has been past due for 15 days in the amount of {$28.00}. 

I just logged in and took a screenshot of my account and it says " no payment due. '' I made a payment of {$160.00} on XX/XX/XXXX, which appeared to cover the " minimum payment due '' on that date. I continued to receive robocalls from PayPal, and I checked my PayPal account again. This time, it said owed a different amount, so I paid an additional {$190.00} USD on XX/XX/2019. 

I made clear during the recorded collections call that I did not think it was appropriate for PayPal to display information on the website with respect to the amount due that does not match what the collections agent on the phone is saying is owed to me. The agent tried to interrupt me to tell me that it's appropriate for a company to whom, according to the screen shot I took today, and according to what also displayed last week, I do not owe any overdue payments, to call me twice a day every day for the past week. I disagree : you can't call and harass someone who doesn't owe you money. 

I informed the collections agent that I was going to hang up and check my paypal account. It says " no balance due. '' I took a screenshot.

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 2019-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
This complaint is regarding Credit Acceptance. I became one month behind ( I have been paying consistently since XX/XX/2016 ), and they have used this as an opportunity to continually raise my payments ( which I have not missed ). They call me constantly at work and on my cell phone. If you are off by a day or two, they state that you broke your agreement, and raise your payments and threaten to repossess the car. I bought a XXXX XXXX XXXX which has a XXXX XXXX XXXX value of approx. {$5000.00}. They reported on my credit report that I am financed for {$10000.00} but I actually am financed for {$19000.00}. This company takes advantage of borrowers that have lower credit scores, and they feel they have the right to rip them off. I am paying 4 times the actual value of the vehicle. I can't imagine what these people do when customers are really behind on their payments. One lady stated to me, " don't be a day late or a dollar short, or we'll reposess the vehicle ''.

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 2019-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: American Consumer Credit Counseling, Inc.
State: CA

Complaint narrative:
I paid AMERICAN consumer credit for their services to assist with getting rid of a time share contract and clear up my credit associated with time share, this was not completed, I have tried contacting company multiple times and they do not answer the phone and voicemail has been full for the last couple of months. Company guaranteed their services or money back after 2 years and I have been unsuccessful with attempting to get reimbursed as company never completed their services

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I was contacted by phone on XX/XX/XXXX and informed an I.C. System representative named XXXX XXXX the account they called me about was related to identity theft. I also informed her that they were not to contact me anymore via phone. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from the same company about the same alleged debt. On XX/XX/XXXX. I faxed a fraud affidavit, the police report and submitted a dispute online regarding the fraudulent account. On XX/XX/XXXX, this account was reported on my credit file. The letter specifically stated that I had 30 days to dispute the validity of the alleged debt and they put it on my credit after 8 days of being made aware. They knowingly and willingly caused me damage and violated the FCRA and my personal credit rights. I called on XX/XX/XXXX, XXXXand spoke with a XXXX XXXX and informed him of the violation and the call was disconnected somehow, but after he verified that the account was XXXX out. On XX/XX/XXXX, I called very upset and spoke with XXXX XXXX, XXXX XXXX and XXXX XXXX to question why the account was still on my credit file. They simply stated that it was in the process of " being deleted. '' In the meantime, I was in the process of shopping for a new vehicle because I was having car problems. Their reporting of this account resulted in me being left without reliable transportation for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Second Round Limited Partnership, Austin, TX Branch
State: MD

Complaint narrative:
I was forced to pay for glasses I could not afford, told person I did not have a job, they opened up charge account, and instead of getting reasonable price, tried to use all the money in account. I tried early to get them to reduce intrest, so I could get a hold on the account. The account was sold and closed, I got money to try to pay for the debt, started to make payments, made four payments, that have not been substracted.The intrest doubled what I owed. Now the person who sold account came back on scene, making statements, even though I have been making payments.

Company response to consumer: Closed with explanation