vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
Frequent and insistent calls for my son who apparently has an outstanding bill for his credit card. I am not the debtor and they continue to communicate with me ( third party ) to leave messages for my son. Despite my multiple attempts ( 4 ) at asking the various representatives to remove my number - the collection agency refuses to remove my number and continues to call me in connection with the collection of this debt. 

I get 4 phone calls daily from the number listed for the last 7 days. 

Today during my third attempt to get the calls to stop a representative named XXXX, Employee ID # XXXX, refused to provide me an address to mail my formal cease communication request, refused to allow me to speak with a supervisor and finally stated " your number can not be removed from this file because we do not have another number to reach him. He then hung up on me. 

I am currently on the phone with the Bank ( 4th attempt ) to get the calls to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: GA

Complaint narrative:
I entered into a DMP with XXXX XXXX in XX/XX/2020. I lost my job in XXXX due to covid, and was unemployed for several months. The only way to get out of this mess is to go to a 3rd party to get a lesser internet rate to paid down my credit cards. It doesnt make sense the consumer has to pay another company, so they can get a lower rate for their credit cards does it? I had to live on them during my unemployment period. Now XXXX XXXX last 4 numbers reported me late without notifying me. I got reported late for under 15 dollars. I paid XXXX  XXXX  which then turns around and pays XXXX. In exchange I can get a lower internet rate and payment amount. From my understanding once you enter this agreement with XXXX it doesnt matter what day the payment is received during the month. I pay them twice a month and they then pay my cards. In XXXX after XXXX excepted my agreement from XXXX they didnt change my payment amount and in turn reported my late to the credit bureau.They never sent me a letter. I have asked for them to procedure a copy and they cant. They cant even tell me when I was contacted on the phone but they still report me late to my credit report. I want this removed from my credit card. Can you please help me. I am a single parent trying to pay them back and this is just double standard for the consumer.

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 2020-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I was attempting to transfer money I had in PayPal and ended up calling the number ( XXXX ) XXXX and in the middle of the conversation I was called by another number XXXX and told me to download the app XXXX  XXXX  and were able to see what I was doing on my phone and reviewed my PayPal account to verify if it was the right account, then told me to go to my bank account and told me to press on " send now money with XXXX '' and wanted me to press on send and wanted me to type this XXXX  " XXXX '' and told me to go to my XXXX XXXX  account and wanted to see my bank information in XXXX XXXX and later I called the original PayPal number and told me it was a scam from possibly XXXX because they sounded like someone from XXXX and I changed all my information as fast as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have already disputed these accounts and Experian has failed to conduct an investigation within 30 days. I submitted an investigation XXXX and have not received any documentation and the accounts are still reporting on the credit report. I was under the impression that after 30 days and an investigation has been completed the accounts have to be deleted according to 611 ( a ). This is automatic grounds for deletion so these accounts need to be deleted from my reports immediately. I am also a victim of the XXXX Databreach and there is no telling who has been using my information.

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 2020-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XXXX XXXX I called capital one bank about a double payment for bill pay that caused my checking to go into overdraft - it was a pending payment. I was very rudely told that the pending payment can not be stop which is fine. However, when I requested to be transferred to someone XXXX employee ID XXXX claimed it was absolutely impossible to transfer me to anyone else in and that he was a supervisor. It was extremely rude and abrasive I am very shocked by this interaction and now I am going to close ALL of my cash accts with the bank because I am truly disgusted with this deplorable attitude and the unwillingness to provide any alternatives for my issue. I have been a capital one customer since it was a XXXX XXXX XXXX account for almost a decade. I requested to file an employee complaint with the man on the phone which he stated he did however, i do not feel very assured that he actually did.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Today XX/XX/30 i deposited a check for about XXXX dollars and in the middle of the deposit the atm machine froze turned black and restarted and kept my card and check and never gave a receipt or reflected a deposit on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: NY

Complaint narrative:
I noticed some fraudulent accounts on my credit report. I submitted a comlaint with the FTC. I have attached my documentation and the report. Please remove these accounts from my report.

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 2020-12-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO.
State: SD

Complaint narrative:
Around the XXXX to XXXX I have called to try to pay off my auto loan but they will not accept payment. I created an online account to pay it off and still can not pay it off. I mailed a check out to pay it off on XXXX but they are saying they have not received it but yet another check mailed at the same time has posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
I've sent a dispute letter asking for proof of debt with something with my signature that would validate the business. They've neglected to provide that document and temporarily removed the item. Then added it back with no explanation nor proof that the debt is valid to myself. It is an unknown account with southwest credit system XXXX XXXX XXXX # XXXX XXXX, XXXX for {$220.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
I am not liable with a debt with XXXX. I do not have any contract with Credence resource Mana

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-17 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:
Please help! I noticed some fraudulent accounts on my credit report. They're hurting my score drastically. I have submitted a complaint with the Federal trade commission and need these accounts to be removed immediately. Under the law of section 605 of the FCRA, you have 4 days to comply. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian reduced my credit score XXXX points in a four-month period, even though I paid off a {$130000.00} mortgage during that time and have never been late paying any of my bills in the last 30 years. Furthermore, I always pay all my bills in full every month. Despite all of the above facts, Experian had the audacity to send me notification of the 53-point reduction along with a message that stated " What would happen if you reduced some of your {$7000.00} in credit card debt? '' I've had much higher balances than that in the past and have always paid them off IN FULL EVERY MONTH. Why the cryptic, snarky message? When I wrote Experian a letter and asked if that means my credit score will go back up when I pay it off in full on the due date, they blew me off and never responded. And of course, they didn't raise my credit score when I did pay it off. How can credit bureaus be allowed to mess with peoples ' credit like that without any accountability whatsoever? And then to not even have the decency to respond to my letter and try to explain themselves.

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 2020-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XXXX XX/XX/2020 the card holder mistakingly used her Master Card instead of her XXXX ATM card to withdraw {$300.00} from a XXXX ATM. The XXXX XXXX statement included a {$10.00} cash advance fee and {$12.00} interest charge. The previous balance had been paid in full and the current balance was {$1200.00} ; she paid the entire balance on XXXX XXXX. The XXXX XXXX statement included a {$3.00} Finance charge ; the current balance was {$1700.00}. She paid the entire balance on XXXX XXXX. Every month since then she has been charged {$1.00} in Finance charges for Cash Advances. 
My understanding of the Card Care Act is that the bank must first apply the minimum payment amount for the cash advance and then the remaining payment to other amounts owning as they desire. Since the entire balance was paid in full, the remaining payment reduced all other amounts owing to XXXX. I understand that interest accumulated on the cash advance until the payment was received. The full payment in the subsequent month paid that interest in full. Every month since then, her statements have included a {$1.00} finance charge. The representative at Master Card said that monthly charge will recur for the rest of the life of the card holder unless she pays the balance in full and refrains from using the card for one billing cycle. So essentially Master Card is charging an infinite interest rate on a XXXX balance loan.

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 2020-12-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
The statute of limitations for this debt from XXXX should apply. XXXX XXXX XXXX XXXX XXXX has tried collecting on an old debt purchased from American Credit Acceptance through a collections agency XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX # XXXX XXXX TX XXXX ) However, the collections agency has not updated the amount owed, or communicated with me regarding the debt, post a payment arrangement agreement. 

XXXX XXXX XXXX XXXX has maintained that the debt is from XXXX and that they will cease collection efforts for the old debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2020-12-17 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: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2020-12-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: CA

Complaint narrative:
The statute of limitations for this debt from XXXX should apply. Jefferson Capital Systems , LLC has tried collecting on an old debt purchased from XXXX XXXX XXXX  through a collections agency XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX ) However, the collections agency has not updated the amount owed, or communicated with me regarding the debt, post a payment arrangement agreement. 

XXXX XXXX XXXX XXXX has maintained that the debt is from XXXX and that they will cease collection efforts for the old debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I experienced fradulent withdrawals from my Bank of America Nevada Prepaid Card. I filed a fraudulent claim and upon receiving the new card I was unable to open it because my account was closed. Bank of America tells me it is the Nevada Unemployment Offices fault, while Nevada Unemployment tells me they have nothing to do with Bank of Americas card services. I have played ring around the rosie for a week now. Neither of these insitutions have any idea on how to activate my new card, so I essentially just claim my weekly UI payments for them to go absolutely nowhere.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-17 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:
Hello, I am writing this letter in order to clarify the situation where I do not recognize none of these accounts. Please check it and remove as maybe somebody used my name or my personal data. I do not know how they appear in my report.

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 2020-12-17 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:
Hello, I am writing this letter in order to clarify the situation where I do not recognize none of these accounts. Please check it and remove as maybe somebody used my name or my personal data. I do not know how they appear in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX in XXXX, Ohio. I used Capital One Auto Finance preapproval for the vehicle loan, and the process was very simple. 

Because the process was very simple and easy to use, I decided to pursue a joint auto loan with Capital One Auto Finance with my son to help him get a newer vehicle and help his credit. 

On XX/XX/XXXX, we applied for a new preapproval with Capital One. We were preapproved with a {$60000.00} purchase option. We had to submit address verification for my son XXXX. We submitted the address documents, and the loan was fully approved by underwriting per Capital One agent. We would just need to go to the dealership and select the vehicle. 

I was advised to purchase it as soon as possible as the XX/XX/XXXX vehicle purchase could show up on my credit report causing a change in the interest rate. No one said a word about only one loan per 30 days. 

On XX/XX/XXXX, XXXX and I went to XXXX XXXX in XXXX, Ohio, which is over a two hour drive. Upon negotiating with the dealer, we went ahead with our loan application to finalize the approval and secure the loan. Upon submission, the dealership was told Capital One denied the loan because there was another loan funded within 30 days, and we were not allowed to apply for another loan from them. 

Since we made the application at the dealership, Capital One made a hard pull from XXXX and I 's XXXX, XXXX, and XXXX XXXX credit report. There is no reason for me being denied a loan, as I called XXXX XXXX XXXX XXXX and had an instant approval. Per the dealership, my credit score was XXXX and my son 's was XXXX. 

I have 3 % revolving debt with {$90000.00} available credit. I make well over {$100000.00} annually, and the only other debt I have is student loans. I have plenty of credit with no late payments on any account. We recently sold our house, which is why I do not have a mortgage any longer. 

There was no reason for Capital One Auto Finance to deny my credit. I have impeccable credit, and I have not been denied a loan, credit card, etc. in the last 10 years at least.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Navient took over Sallie Mae in XXXX. I haven't been given credit for XXXX. National Data base system doesn't allow former students./students to retrieve info about their payments. Was told the service provider is supposed to report every payment made toward their Student Loan, which is not the case here for me. I've been XXXX over by Navient for 48 yrs. And they aren't deducting the payments from the Principal, Making sure interest incrues instead!!! Balance is staying the same, even though these crooks take my income tax, SS ck. & garnish wages all to line their pockets, Dept. of Education works with these crooks & turns a blind eye. Basically, keep your credit looking bad & will never be out of debt to their sorry crooked XXXX!!! And want to be wrote off, giving me the credit for all the payments I've made between XXXX. And would like to know I can contact to sue/retrieve my archive payments. And how to find out for sure what paperwork I signed for business college.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: AZ

Complaint narrative:
Experian has not responded to ANY of my disputes under section 609 or 611 Which I sent certified mail. 

Experian is now in direct violation with the FCRA Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. 

I've attached enclosed letters of my dispute under the FCRA and also a non response to Experian Via certified SIGNED SIGNATURE. I've yet to receive any correspondence Experian needs to delete these accounts that are in the attached letters.

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