vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I have been dealing with what appears to be a fake company for months now called XXXX XXXX XXXX XXXX. I paid a total of {$4000.00} to XXXX XXXX through PayPal Credit in XXXX, 2020. I do not know XXXX, but she was supposedly the person receiving the money for the company who was holding the product that I was to receive after payment was made. The company did not release the product, instead they kept demanding more money. I filed a dispute with PayPal ; however, they denied my claim because I authorized the transactions, which was true but I did not realize the product would not be received. I have recently inquired as to how to Appeal their decision. 

Fast forward to early XXXX and the company reduced the charges they were still asking for and required {$870.00} be sent to XXXX XXXX via email address ( another participant for the company ) and product would be received. I had this money in my PayPal Cash Balance. Although skeptical, I did send the money. Now, the company is asking for another {$2500.00}, which confirms to me that there is no product and it is a scam. I have emailed XXXX XXXX to ask for the money to be returned to my PayPal account ; however, I do not expect that to happen as he is a participant in the scam. 

My complaint is with XXXX XXXX XXXX XXXX ; however, PayPal Credit is the one who denied my dispute and found in favor of 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 monetary relief
Consumer complaint received 2020-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: DISCOVER BANK
State: NY

Complaint narrative:
Contacted Discover to set my cash advance limit to XXXX, effectively disabling this use. I don't want the possibility of merchants or, if the card is stolen, to get cash. 

I was told by customer service this is not possible, and no alternative was given. 

I saw a statement just a few months ago from Discover public relations, XXXX XXXX, saying it is possible to set it to XXXX  : XXXX XXXX XXXX Was this statement incorrect? Or modified right after advertising it? 

The Discover It card was my number one card a few years ago. It lost all of its benefits, and now I only use a few times a year when there is a reason to. It is unfortunate the good managers ( seems to have ) left this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: CORELOGIC INC
State: NC

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't 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 2020-10-12 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: Open Dealer Exchange, LLC
State: NC

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/20 I submitted dispute to target & all the bureaus because I was a victim of identity theft and they have this reporting as it was included in my bankruptcy which it was not. It was a part of my identity theft. I filed everything according to FCRA section 605 and I went down a check list and everything I submitted was acceptable to all the other creditors & bureaus from the identity theft was a victim to and now target & is saying they looked at my submitted documents which include identity theft affidavit signed by the XXXX that I filed police report with & it was noterized and I included the police report and all other documents required. So as stated in the laws on FCRA sections 605,609, 611,623 & their subsections target is in violation of multiple breaches of the law and it is within my rights to request all sources and methods they used to verify and for them to remove this inaccurate information from my credit reports before I excerice my right to take legal action as stated in section 616 of the FCRA. 

The account number in question is XXXX Also I want to know how they were able to access the sources of my information and how they finished my dispute so quickly

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: WI

Complaint narrative:
XXXX XXXX Original creditor : XXXX {$330.00} I recently reviewed my credit report and noticed a fraudulent medical bill on my account. I filed an ftc report, police report and sent this information to the original creditor and credit bureaus. Nothing was done. I also notice unauthorized inquiries on my report from sm bus admin.

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 2020-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
I opened a case with you earlier that you have closed with BSI. XXXX. 
BSI HAS NOT RESOLVED the issue. We have made a very reasonable offer and gotten no response. 
I absolutely do not feel that they are acting in good faith. Rather they are stalling until they can start foreclosure proceedings and force me into settling. NOD was filed XX/XX/2020 so as you know they can set a foreclosure sale date after XX/XX/2020. It is obvious that they are running out the clock so that they can apply maximum pressure to an already distraught XXXX. 
Because of all of this I am currently being treated for XXXX. Please review my original complaint and reopen it. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express continue to harass me about making the minimum payment that is due XXXX XXXX for the amount of {$1200.00} dollars which most of that balance is pay overtime charges with interest charges and excessive interest fees. The entire balance of {>= $1,000,000} which was combined with 2 pay overtime direct balances, which is double billing with excessive late  fees charges and excessive increase interest rate charges when late fees are applied which causes the balances to increase. Also in XXXX my pay overtime account was inactive for almost 7 years, it appears when it was reactivated in XXXX they tried to change numbers around and adding the accelerated interest rate fees charges and accelerated interest charges on each monthly balances. This went on for years Im still going through my billing statements because I been a loyal member since XXXX I really never paid any attention to my statements, only if a saw a big problem therefore this situation was subtle and complex because you could not go on line and review your pay overtime balances which I always question. They changed my statements billing and pay overtime balances 3 times when I started asking about the billing of pay overtime and pay overtime direct in XXXX when they activated the pay overtime features on my statements. Right now there is a dispute for the billing amount of {$22000.00} but really the dispute should be on the entire amount of {>= $1,000,000} because that balance also includes excessive interest fees charges and excessive interest fee payment on the balances. I have paid my portion of the charges that I made last month which was {$700.00} and I made no charges for XX/XX/XXXX. Therefore they are still sending me text messages and calling me on my phone harassing me to make the {$1200.00} dollars minimum payment on the above balances. Also I notice that {$3100.00} dollars I paid on line in XX/XX/XXXX was not applied to my bill only the {$6900.00} in which my credit union paid off the entire bill therefore XXXX, XXXX and XX/XX/XXXX I paid a total of {$10000.00} that also included pay overtime balances excessive interest fees charges and excessive interest rates charges and I know I over paid. American Express owes me for the over payments balances of pay overtime and increase balances and increase interest rates with increase interest charges. {$11000.00} and maybe more

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: AmeriCollect
State: WI

Complaint narrative:
AMERICOLLECT INC Original creditor : XXXX {$330.00} I recently reviewed my credit report and noticed a fraudulent medical bill on my account. I filed an ftc report, police report and sent this information to the original creditor and credit bureaus. Nothing was done. I also notice unauthorized inquiries on my report from XXXX XXXX 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 2020-10-12 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: WI

Complaint narrative:
XXXX XXXX Original creditor : XXXX {$330.00} I recently reviewed my credit report and noticed a fraudulent medical bill on my account. I filed an ftc report, police report and sent this information to the original creditor and credit bureaus. Nothing was done. I also notice unauthorized inquiries on my report from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX I opened a checking account at Wells Fargo in person. 

I was offered a {$400.00} incentive if I could complete the following requirements. 
-open the account with at least {$25.00} -receive a total of {$4000.00} in direct deposits. 

I completed the final direct deposit on XX/XX/XXXX. I was supposed to receive the incentive within 30 days of completion. 

XX/XX/XXXX. No incentive. I called and the rep said wait 90 days from when I oppened the account. 

XX/XX/XXXX. No incentive. Rep told me to wait 30 days. 

I called XX/XX/XXXX and the rep now says my account doesnt have the incentive code. 

I know it was there before because no one else mentioned this problem before. 
More than 6 months of leading me on, now theyre saying I wont get it.

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 2020-10-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Corporation of America

Complaint narrative:
Please see previous complaint ID. XXXX The debt was now passed on to a different company.

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 2020-10-12 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: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
Synchrony Financials credit card companies that support Amazon, Ashley Furniture, and Dicks sporting goods. I am building a dream home for myself and my family. During this process which we are about to break ground. My mortgage company was obtaining my construction loan, when we were told that my credit score had dropped due to me being marked late in XXXX of XXXX by amazon, ashley, and dicks sporting goods. I was not too happy because, I had paid all of them off in XXXX. see attached info. My accounts were basically closed and paid off at the time this derogatory credit comes up in XXXX. 

Let 's be truthful now, if you looked at my history, I lapsed on most of my cards at the end of XXXX because my mom was sick and eventually, she passed. I used all of my available money to fly back to see her. That's what put me behind, I paid them all off in XXXX and they were either closed by the creditor or closed by me. I don't care about my credit history in XXXX, XXXX, and XXXX. I chose not to pay them in order to do something else and that's on me. The ones listed in XXXX is a mistake and not on me. I have tried to call them and some of them say its the credit bureaus fault, all i asked for was a letter stating that it shows paid off my account in XXXX and the payoff amount. I even pointed out to the operators that the computer answering service said my account was at XXXX and I paid my cards off in 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 2020-10-12 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Your company is currently reporting to the 3 credit bureaus that I applied with your organization. I did not grant you authorization to review my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: IL

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX is fraudulent on my Acct # 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 2020-10-12 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: TX

Complaint narrative:
I've contacted XXXX directly as well as the credit bureau, my account is filed as closed through XXXX yet is reporting open on XXXX. Also, I have proof of payments yet it's reporting that my payments were late which is completely false bc when I login to XXXX  it shows those months as paid. 

I've called XXXX and disputed it with the credit bureaus and I've been told for months that it'll be updated and it hasn't been. 

This is impacting my credit score very badly.

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 2020-10-12 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: TX

Complaint narrative:
I've contacted XXXX directly as well as the credit bureau, my account is filed as closed through XXXX yet is reporting open on Experian. Also, I have proof of payments yet it's reporting that my payments were late which is completely false bc when I login to XXXX  it shows those months as paid. 

I've called XXXX and disputed it with the credit bureaus and I've been told for months that it'll be updated and it hasn't been. 

This is impacting my credit score very badly.

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 2020-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Most credit card issuers do not generate monthly statements ( mail out and paperless ) XXXX ) the account has {$0.00} balance, 2 ) if there are no transactions ( purchase or payment ) on an account in the billing period. This is ok. 

However Citibank started a policy ( XXXX XXXX? ) of not generating a statement ( mail out and paperless ) if there are no purchases on a credit card during the billing period. 
If there are only payment transactions - no statement. 

I recently paid off a credit card ( initial balance of ~ {$6000.00} ) in two payments during a billing period in which there were no purchases. For this billing period and subsequent periods Citi will not issue a statement showing the payment transactions and subsequent {$0.00} balance. 
The payments to pay off the account are also not included in a payment history which is quite troublesome as the account balance is shown to be starting at XXXX $ XXXX and ending at {$0.00}. 

In many regards I think this is not providing the consumer XXXX customer ) with documentation that may be required in future disputes to prove the account was paid off. I use electronic bill pay so I haverecords of my payments to Citi but they refuse to provide a statement with only payment transactions on the account. I use electronic statements so this is not about wasting paper. This policy was adopted by Citi in XXXX XXXX - XXXX XXXX time frame.

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 2020-10-12 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: NY

Complaint narrative:
On XX/XX/20 I submitted dispute to XXXX  & all the bureaus because I was a victim of identity theft and they have this reporting as it was included in my bankruptcy which it was not. It was a part of my identity theft. I filed everything according to FCRA section 605 and I went down a check list and everything I submitted was acceptable to all the other creditors & bureaus from the identity theft was a victim to and now XXXX  & is saying they looked at my submitted documents which include identity theft affidavit signed by the officer that I filed police report with & it was noterized and I included the police report and all other documents required. So as stated in the laws on FCRA sections 605,609, 611,623 & their subsections XXXX  is in violation of multiple breaches of the law and it is within my rights to request all sources and methods they used to verify and for them to remove this inaccurate information from my credit reports before I excerice my right to take legal action as stated in section 616 of the FCRA. 

The account number in question is XXXX Also I want to know how they were able to access the sources of my information and how they finished my dispute so quickly

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: NY

Complaint narrative:
On XX/XX/20 I submitted dispute to XXXX  & all the bureaus because I was a victim of identity theft and they have this reporting as it was included in my bankruptcy which it was not. It was a part of my identity theft. I filed everything according to FCRA section 605 and I went down a check list and everything I submitted was acceptable to all the other creditors & bureaus from the identity theft was a victim to and now target & is saying they looked at my submitted documents which include identity theft affidavit signed by the officer that I filed police report with & it was noterized and I included the police report and all other documents required. So as stated in the laws on FCRA sections 605,609, 611,623 & their subsections XXXX  is in violation of multiple breaches of the law and it is within my rights to request all sources and methods they used to verify and for them to remove this inaccurate information from my credit reports before I excerice my right to take legal action as stated in section 616 of the FCRA. 

The account number in question is XXXX Also I want to know how they were able to access the sources of my information and how they finished my dispute so quickly

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