vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-26 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 — Their investigation did not fix an error on your report
Company: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : SANTANDER Late Payment XX/XX/XXXX SANTANDER BANK NA Late Payment XX/XX/XXXX upto XX/XX/XXXX in XXXX Only XXXX XXXX Late Payment XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Credit was extended by American Express for business that is no longer operating. Payments were negotiated and are paid as agreed, although creditor has erroneously updated credit reports as bereft of payment arrangements. Updates fail to demonstrate the account is no longer past due, derogatory and payments are applied monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA Reroutes me to Collections blocking my access with my current account for a very old debt that was discharged VISA XXXX XX/XX/2013 Statute of Limitations in Florida State I live is 4 years USAA HAS NO RIGHT TO COLLECT THIS DEBT They are not above the law And they have no right blocking my current account to collect this 7 year old DISCHARGED DEBT This is done in retaliation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I was trying to buy a house in Wisconsin and when they check my credit, l have two credit cards with Bank of America that are not mine 1 open in XXXX for XXXX dlls and the other one open in XXXX for XXXX dlls. I travel personally to a Bank of America in Florida and they check in the computer and they don't have nothing with my social security, it's just a name association.

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 2020-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2020-01-26 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC
State: FL

Complaint narrative:
I received a letter from Dynamic Recovery Solutions a LLC address XXXX XXXX   XXXX, XXXX SC XXXX, Phone number XXXX, Email XXXX. Their Claim for {$710.00} dollars is a Fraud. They say they represent XXXX XXXX XXXX XXXX and Current creditor XXXX XXXX XXXX XXXX, XXXX. They gave me a Reference Number : XXXX. 

This matter is over 6 to 8 years old. I brought a suit against XXXX XXXX XXXX XXXX XXXX  XXXX XXXX and retained an attorney in XXXX Florida to represent me in the State Court in Tampa FL about 6 to 8 years ago. This case was discharged and settled. Why is it these people are trying to collect on a matter that was closed? I have received many calls from these people demanding to pay {$700.00}. In their last letter they stated if I paid them {$170.00} they would close the case. I stated again this is a Fraud Case.  Please investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ability Recovery Services, LLC
State: LA

Complaint narrative:
They are rude and unprofessional. She used profane language with and she had an attitude with me when I explained my situation about what happened. I even asked to have my account handled by a different representative and she said No your XXXX stuck with me, now pay your bill and hung up

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 2020-01-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lending Club Corp
State: NY

Complaint narrative:
Hello Staff, As you read my experience, please let me know how to get this loan withdrawn. 
I visited the location on you chose for me on XX/XX/20 only to be misinformed and bullied into a loan while I was under the influence of XXXX and other XXXX XXXX  drugs. 
1. XXXX introduced herself as a representative of XXXX XXXX XXXX, I had to stop the XXXX for this introduction. 
2. I told her my annual salary is less than thirteen thousand dollars and I don't work full time. 
3. She said she will take care of it, walked away from the XXXX  XXXX  and I resumed XXXX. 
4. She interrupted the process again to state I was approved for a loan with XXXX XXXX or XXXX XXXX and XXXX  is offering XXXX XXXX XXXX XXXX dollars thus the costs will offset. 
5. I wasnt told my credit history is required neither did I grant her permission to do so. 
6. I drank XXXX  XXXX which the XXXX  said will calm me down and check my XXXX XXXX to XXXX. 
7. About five minutes after XXXX returned and told me XXXX awarded me XXXX XXXX XXXX XXXX dollars for treatment. 
8. I couldnt celebrate because at that time I was really drowsy and wanted to go home. 
9. The XXXX  then informed me of a XXXX  XXXX  in my XXXX  which is going to my XXXX  and could lead to XXXX. 
10. Two years ago I attended my Moms funeral only to learn that she was XXXX before her last days, this scared the heck out of me. 
11. The XXXX also said that I must XXXX  the XXXX  today or the worst could happen. 
12. I agreed, no cost was discussed. 
13. I received XXXX XXXX in my XXXX  XXXX  XXXX. 
14. Then the woman from the reception area asked me to sign some papers which I did sign based on her showing me where to sign but did not read anything or was the document explained to me. 
15. Two days later I read the documents and realize the cost for work on my mouth ( XXXX  XXXX  for XXXX XXXX is XXXX XXXX XXXX dollars. ) 16.  Actually I did not receive a XXXX but that was a form of deception used by XXXX. 
17. I contacted LendingClub by email on XX/XX/20 asking for a copy of the application and an explanation of my approval for the Loan. She refused to provide me any document and suggested a phone call for me to verify my account. 
18. I emailed XXXX XXXX from XXXX XXXX XXXX  on XX/XX/20 asking for an explanation of the approval process but did not get a response. 
19. I called XXXX on XX/XX/20 about XXXX XXXX, spoke to XXXX XXXX who informed me that my application is showing a annual gross income of {$0.00} but I was approved based on my credit history. 
20. On XX/XX/20 I received another offer from LendingClub showing an increase in loan amount from {$11000.00} to {$14.00} and interest rate of 26.99 %. 
21. On XX/XX/20 I was rushed to the emergency room at XXXX XXXX Hospital due to XXXX  of the XXXX  and had corrective work done on the same XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA Collects on Idenitity Theft I am a victim of Ideninity Theft I have contacted USAA to let them know I HAVE NEVER HAD A CARD ENDING IN XXXX  DEMANDING {$290.00} FROM ME today ( 5Xs ) * to No Avail THEY DID NOT ONLY THREATEN. TO RUIEN MY CREDIT THEY SUCCEEDED IN LOWERING MY SCORE BY 93 POINTS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
It's Paypal. My son opened up an account. He is a minor but that did not prevent him from opening an account and transacting. 

He accumulated more than {$500.00} due to selling clothing. He tried to withdraw to his XXXX  custodial account. Paypal is refusing because upon asking for his passport and driver 's license they discovered he was not XXXX. 

So, they have effectively stolen my son 's money. Yes, stolen. They use these funds, even though they belong to my son, to offset banking fees via FTP credits from their bank. The longer they keep these funds, the more money they make and the less money my son makes. 

This is, in effect a trap. Paypal is happy to open as many accounts as possible and report account growth in their Edgar filings, but then, only after getting money, do they do a proper KYC. 

They are fully aware that minors open accounts all the time. They just don't want to pay upfront for the KYC procedures. Honestly, it is XXXX. These are kids and they advertise on kids ' sites via their acceptance mark. 

10 years in from the financial crisis and these guys are still acting with impunity. Their customer service is designed to be so painful that most people simply give up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
In XX/XX/2019 I purchased a couch and entertainment center on credit from Ashley Home Furniture Store. I was clearly explained that this was a 12 month interest free purchase after the 12 months I would be charged interest PER MONTH based off of what I had my principal balance paid down to. I just received my billing statement and I'm being charged {$580.00} in interest, {$38.00} for an over my credit limit charge AND 29.99 % interest on all of the above moving forward. A call was placed to Syncrony bank c/o Ashley Homestore and told the best they could do is me pay my principal balance in full today to avoid the extra charges and interest. The representative at Syncrony informed me this was a promotion when I made the purchase and the promotion was that I had to pay in full in 1 year to avoid being charged interest on the total purchase amount in 2019. How is this legal? I'm being charged interest ON TOP of interest. Absolutely none of this was explained when the purchase was made.

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 2020-01-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sentry Recovery and Collections, Inc.
State: OH

Complaint narrative:
i have tryed to let this company know the company is called SENTRY RECOVERY there address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX that i was not responsible for this account they keep adding money to this and put it on my credit file as a collection on all my credit reports there is no proof of this account that i ever have done business with them i have tried to dispute the information with the credit bureau, s and have gotten nowhere the amount keeps getting higher it started off with {$2700.00} now its at {$2800.00} i do not have a account number and there is not one on my credit reports or files my name is XXXXXXXX XXXX  XXXX my ssi number is XXXX my phone number is XXXX my address is XXXX XXXX XXXX XXXX ohio XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Reliable Credit Association, Inc.
State: OR

Complaint narrative:
On XX/XX/2015 reliable credit associat Claimed that I owe them {$4600.00}

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 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 — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/19 - A charge for {$11.00} instead appeared as {$110.00} on my credit card statement. 
XX/XX/19 - I filed a dispute expecting a quick resolution especially after providing them the receipt showing the actual charged amount. They refused to correct it. 
XX/XX/19 - I contacted the vendor who immediately refunded the {$99.00} overcharge and sent me verification. Wells Fargo never posted the refund. 
XX/XX/19 - Extremely unpleasant conversation with supervisor XXXX who appears to think feels that Wells Fargo can not be held accountable. It was the worst customer service experience I've ever experienced with any bank. 
XX/XX/19 - I sent them the vendor 's verification and they instead added an ADDITIONAL {$99.00}. It has been months and this is still unresolved.

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 2020-01-26 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It's not my account, i never applied for it, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that it's not mine. 

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft  affidavit/report that I am attaching ).

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 2020-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
I had a vehicle financed with BMW financial services that was not covered by gap insurance for a small amount of {$3100.00} after a bad auto accident. I understand that a small balance accrued and wasn't covered by gap but this has affected my credit score a lot. I now have a new high interest rate loan with a vehicle and have gotten 10x better at managing my credit. Id like this removed from my history please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, I faxed SageStream LLC, a letter and provided required documents to have a Security Freeze put on my credit & consumer reports. I then sent via USPS certified mail, the same items, along with receipt of the fax being completed. On XX/XX/XXXX, I called and left a message - the message stated my call would be followed up within one business day. It was not. On XX/XX/XXXX, I called and left another message - the message stated the same " would be followed up within one business day. '' It again, was not. On XX/XX/XXXX, There appeared to be an online portal, which allows you to put a security freeze on your reports. I did this, and wrote another letter, which was sent via USPS certified mail. I have provided copies of the USPS Certified Mailing, showing the items were delivered. As of XX/XX/XXXX, No Security Freeze or Fraud Alert requests has been provided to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BMW Financial Services NA, LLC
State: CT

Complaint narrative:
I contacted BMW Financial services around XX/XX/2019. They responded ( attached ) in a rather evasive manner. I am not affiliated with any Credit Repair companies and would appreciate a timely response into the matter originally inquired ( attached ) .Please do not contact me by telephone and communicate in writing only please. This is the second Cfpb complaint I have had to file about this company ( 1st one XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: AL

Complaint narrative:
The first complaint is for American Financial Solutions, they have a collection on my credit report from some kind of medical facility in XXXX, Alabama, which is somewhere that I have never been in my life, I have NEVER been to XXXX, Alabama. From XX/XX/XXXX to XX/XX/XXXX, i was in West Virginia. Please have them remove this inaccurate information from my credit reports immediately. This is not my medical bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Thunderbird Collection Specialists, Inc.
State: CA

Complaint narrative:
I currently had an old roommate reach out and tell me very scary, rude men showed up asking for me and threatening to sue me and that I was in big trouble if I don't give them money. I have zero knowledge of this debt collector and also do not feel safe knowing there is a collection company going around harassing and threatening me for an unknown cause. They said they were from Thunderbird in Arizona. I do not know the amount since nothing is on my credit report. I am very scared and worried that these men are knocking on doors threatening and looking for me.

Company response to consumer: Closed with explanation