vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-16 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:
www.myequifax.com IS NOT ACCESSIBLE TO ME * DUE TO MY XXXX  XXXX  & AGE. IS THIS DISCRIMINATION AGAINST MY AGE OR XXXX? I have tried & tried to gain access TO NO AVAIL until my hands bleed. I have ASKED FOR SPECIAL NEEDS OPTIONS FOR ELDERLY  XXXX ( *** specific instructions ) TO NO AVAIL. XXXX LAWS & Guidelines STATE ACCESS MUST BE PROVIDED FOR ALL XXXX.. Kindly Note THIS WAS MY ISUUE IN ID THEFT case XXXX I HAVE BEEN PROVIDED NO ACCESS TO MY BANKING. Equifax confirms getting this report. WHY ARE FINANCIAL INSTITUTIONS ALLOWED TO DENY THE ELDERLY  XXXX. AGAIN I ASK FOR ACCESS www.myequifax.com. ( Kindly Note CFPB web is THE ONLY FORM OF CONTACT I AM PROVIDED. ) ** ELDERLY  XXXX PERSONS MATTER!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: MD

Complaint narrative:
Debt that is more than XXXX years old was added to my credit repor t as a new collection account. It it on all 3 credit reporting agencies. XXXX, XXXX  and Experian. They published the information after the debt recovery company assured me it could/would not go on my report. This bogus collection account dropped my score 24 pts in one day. The credit reporting agencies are very lax when it comes to negative marks and don't properly investigate the debt and the time of the account. It will take more than 30 days to get this off and in the meantime my trustworthiness takes a fatal hit in these hard economic times!

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 2020-04-16 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:
Upon checking my annual credit report i noticed errors reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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:
Upon checking my annual credit report i noticed errors reporting on my credit file.

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 2020-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I use Chase online Bill pay for everything and never had an issue. When I closed my mortgage with XXXX  I set them up as a payee - on XX/XX/XXXX and XX/XX/XXXX Chase successfully cut a PHYSICAL check to my mortgage provider. My loan was sold, and then resold to XXXX this year where I reset up my XXXX payee EXACTLY as it was in XXXX. However, without warning or my knowledge Chase did not cut a physical but rather sent the payment electronically. I did not authorize an electronic payment nor did I want it electronically. So the payments they sent on XX/XX/XXXX and on XX/XX/XXXX went to non-existent accounts. They were not XXXX 's accounts, the intended recipient. They amount totals {$3400.00}. I have tried calling multiple times and filed a claim directly with the company on XX/XX/XXXX asking them to investigate. They have NOT been able to produce a trace number for me nor a receipt of any kind verifying the account that the money was sent to. Today, XX/XX/XXXX they notified me that my claim was denied. However they did not attach any additional proof of trace numbers or the exact accounts that the money was actually sent to. These were not XXXX 's accounts and XXXX wasn't even aware that Chase had their Banking information. Consumers need to be given the option to set up electronic or physical checks because of this EXACT reason. I was expecting a physical check to be cut as they have always done in the past. I need to get back that {$3400.00} so I don't lose my house.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-16 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XXXX IS NOT ACCESSIBLE TO ME * DUE TO MY XXXX XXXX & AGE. IS THIS DISCRIMINATION AGAINST MY AGE OR XXXX? I have tried & tried to gain access TO NO AVAIL until my hands bleed. I have ASKED FOR SPECIAL NEEDS OPTIONS FOR ELDERLY XXXX ( *** specific instructions ) TO NO AVAIL. XXXX LAWS & Guidelines STATE ACCESS MUST BE PROVIDED FOR ALL XXXX.. Kindly Note THIS WAS MY ISUUE IN ID THEFT case XXXX I HAVE BEEN PROVIDED NO ACCESS TO MY BANKING. XXXX  confirms getting this report. WHY ARE FINANCIAL INSTITUTIONS ALLOWED TO DENY THE ELDERLY XXXX. AGAIN I ASK FOR ACCESS XXXX ( Kindly Note CFPB web is THE ONLY FORM OF CONTACT I AM PROVIDED. ) ** ELDERLY XXXX PERSONS MATTER!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX A payment was made to my credit card for the full amount which at the time was {$1000.00} from someone unbeknownst to me. On XX/XX/XXXX I made a payment of {$300.00} to my credit card like I always do through my bank application. After checking my statement the next month I see the payment that was made from the other party, a refund for the {$300.00} payment I made and a few charges for requesting a refund and making a payment over the phone of which none I requested or did. Apparently the {$300.00} payment I made was refunded to the person that did the other payment the day before and they payment for the full amount they did over the phone was declined. I called my credit card company they claimed that It all came from me, which it didnt. I didnt have that amount of money in my bank account nor do I ever pay my credit over the phone, so they opened a case, then after a few months denied it demeaning me responsible for the changes. I called again they opened it again, I received no answer. They said I should send a letter and my bank statement since they are saying it all came from my bank account so I did all of that, still no answer. I did it to show them that there was no charge for {$1000.00} and also no refund for {$300.00}. Im losing out on {$300.00} and a year worth of interests on those {$300.00}. And the credit card company keeps giving me the run around even though I follow their steps. I havent use this credit card since and have asked them to not allow any other ways of making payment but by the bank application so that its known its me making further payments in any case this happens again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: NY

Complaint narrative:
I have called the original vendor of this debt. It was an urgent care facility in XXXX Texas. Someone went into this company and had a visit. They used my name and my information. I have not lived in Texas in over 12 years and was not ever in Texas during this visit. I have sent a fraud notification to the XXXX. There were several other entries at one time that they used my insurance and name. I had many removed over the years. Now it seems as though this debt collection company bought this debt and now they are trying once again to hammer my credit. I sent them the correspondence from previous debt collectors on this. I asked them to send what vailidity they had twice. XXXX and again in XXXX. They have not sent me anything. I disputed this on my credit report. They continue to disregard my pleas. I sent this letter in the mail again asking for validity..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
On XX/XX/2018, I tried to transfer {$2500.00} to my friend, XXXX XXXX, through PayPal. Transaction ID XXXX PayPal locked her account and now the money is just stuck in her fund. She can not refund it to me because the exchange rate made it XXXX XXXX lower than the original amount I sent her. We have tried everything with PayPal to get them to release the funds ; it's been over a year and still nothing. 

At this point, she just wants to refund the money to me through PayPal and be done with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: Resurgent Capital Services L.P.
State: ME

Complaint narrative:
According to resurgent capital, they are reporting to all three bureaus. .I beg to differ, as they are not on my XXXX report. Please see attached. Thanks. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
We have repeatedly contacted Wells Fargo Bank to assist us with a wire transfer that we made to a fraudulent company. This began on XX/XX/XXXX. We contacted them about the fraud on XX/XX/XXXX. The wire transfer was made to a XXXX XXXX Account. We also contacted XXXX to advise them of the fraud bank account. I filed a complaint through CFPB # XXXX and XXXX XXXX responded asking for Wells Fargo to provide a Hold Harmless/Indemnification form for the return of our funds in the amount of {$27000.00}. We provided the letter to Wells Fargo branch Manager in XXXX XXXX - XXXX XXXX XXXX, XXXX, NJ XXXX, XXXX, email : XXXX, on XX/XX/XXXX. Mr. XXXX stated he would forward this to the Financial Crimes Analyst who was handling this and they would be in touch with us. As of today, no one has contacted us or has provided this document XXXX is requesting to get our money back. A name of the person who is handling this was not provided to us by Wells Fargo. We have been shut down by Wells Fargo regarding an investigation into our very serious matter. On XX/XX/XXXX they mailed us a letter stating they are unable to return the money to us. The claim is # XXXX. Letter sent by XXXX XXXX, Financial Crimes Manager, XXXX. We received the XXXX letter through your service on XX/XX/XXXX, not directly through XXXX. We are asking your assistance with Wells Fargo to have them complete this agreement XXXX is requesting so we can get our money back from this fraud company that is a XXXX XXXX   account holder. Thank you for your assistance

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 2020-04-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I opened an Ann Taylor credit card several years ago. I had not used it in a couple of years when I used it in XXXX. Because I had not used it in years, the bank who issued the card, Comenity Bank, did not have my current address. 

They began calling me several times a day in XX/XX/XXXX. I spoke with a man there in XXXX and he explained I recently used the card and did not make my payment. I asked him why I had not received a bill. We realized they did not have my latest address. I updated my address with him and asked him to send me the bill and I would pay it. I also closed the account that day. 

In XX/XX/XXXX I began receiving several phone calls a day from Comenity Bank again. I asked why they had not sent me a bill yet. I did not receive an answer but was told to pay the balance of {$190.00}. 

Since I had the account information in my online bank settings, I paid the balance and thought I was done. Even though I still had not received a bill. I paid this balance on XX/XX/XXXX. 

In late XX/XX/XXXX I started receiving five phone calls a day from Comenity Bank, these calls would interrupt me in work meetings several times a day, I would receive phone calls late into the evening and all throughout the weekends. A message was never left in my voicemail. I did not know what it was about since I had paid the balance off and closed the account. 

I answered the call one day on a Sunday when I had received several calls throughout the weekend. When I answered it, I was told by a recorded voice to call back during business hours Monday through Friday. 

On XX/XX/XXXX, I answered another one of the calls. A woman told me I had a balance due. she asked for my address, which I gave her and she confirmed she had the correct address. I asked why she has not sent me any bills when I have been asking for a bill since XX/XX/XXXX. She said she could not tell me anything further unless I provided my social security number and date of birth. I told her I would not provide my PII on a recorded line and that she called me. She said she could not continue the call unless I gave her my PII. She hung up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-16 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: Navient Solutions, LLC.
State: OH

Complaint narrative:
Navient is reporting 13 separate student loans on one account to the credit bureaus who use their information to compute credit scores based on proprietary formulas using several factors including but not limited to the number of accounts, payment amounts, number of late payments, etc. The problem with Navient is in consideration of the following : -Navient won't accept payments less than the combined minimum payment amount for all 13 loans, treating them as one account but reporting them as 13 accounts, -Navient allows borrowers to direct overpayments, meaning any additional payment made over the  combined minimum for all loans is able to be designated to pay down certain particular loans, but Navient does not allow borrowers to direct underpayments, meaning if I can only afford to pay some of the 13 loans instead of the combined minimum payments on all of the loans on the account then it gets reported to the credit bureaus as 13 late payments instead of one or however many the loan payments I could not afford to pay on time which adversely and untruthfully affects my credit report multiple times, -Navient should accept payment of less the combined minimums off all loans on the account, allow borrowers to direct the underpayments as it allows borrowers to direct overpayments, and report truthfully to or instruct the credit bureaus in the manner in which multiple loans on one account are treated so the penalties for late payments are not unfairly multiplied against the borrower, and -Navient should be held accountable to some extent for their servicing and reporting errors, mishandling of account information ( misleading reporting practices ), the negative financial impact it has had on the student loan borrowers, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (FL)
State: NJ

Complaint narrative:
My wife went for a routine XXXX exam at XXXX XXXX XXXX   XXXX, like she does every year, which is covered by my employer-sponsored insurance policy through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of New Jersey. XXXX XXXX XXXX XXXX used my wife 's drivers license and insurance card to verify her insurance coverage, as they do every year. About three months later, we received a collections notice in the mail from Ar Resources Inc.,  stating that we owed {$130.00} for the XXXX exam. We never received any actual medical bill for this service - only a collections notice, which had already harmed our credit rating! 

My wife immediately called XXXX XXXX XXXX  XXXX and spoke to 6 different employees there, including a manager who informed us that this was a billing error on their part and that they had incorrectly transcribed her XXXX XXXX account number. The manager 's name was XXXX, and she said she was sorry that this happened and that she would ensure that the bill was resubmitted to XXXX XXXX with the correct information this time and that she would also call the collections agency to halt the collection and prevent it from harming our credit record. Based on this conversation, at this point, my wife believed the issue was resolved. 

However, six months later, a negative credit notification showed up on our XXXX / XXXX credit report. There was minimal information available on the XXXX report. We conducted a XXXX search and contacted the collections agency, leaving multiple messages. We got through one time to someone and disputed the matter, as the debt collection was in error and improper. We additionally contacted XXXX XXXX XXXX  XXXX yet again, who stated that the matter had been resolved by our insurance company and paid long ago. 

However, the debt collection has still never been cancelled and continues to show up multiple times on our credit report. Now, we have suffered a legal harm from both the Ar Resources Inc. and XXXX XXXX XXXX XXXX failing to remove this fraudulent collections activity on our report. We have always had an excellent credit rating. Her credit rating has now dropped 100 points due to this fraudulent collections activity, and mine has dropped from a XXXX to a XXXX score. This is currently preventing us from being able to refinance our home for a much lower 30 year fixed mortgage rate. 

We demand that XXXX XXXX XXXX XXXXXXXX and Ar Resources Inc. immediately remove this fraudulent collections activity from our  credit reports, and we request that the FTC either investigate both companies for illegal billing and consumer fraud activities or refer such investigations to the appropriate governmental department or local authorities.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
paypal is refusing me service based on my race, ethnicity and origin. In XXXX I tried to add money to my paypal account and the transaction was not allowed by paypal. so I called paypal the same day and asked why my attempt to add {$500.00} using the add cash at a store feature via XXXX. the customer service rep, whom was not in the US, stated we flagged your account because XXXX people in the US normally don't send as much money as you have recently. In response, I said I wanted to speak to a supervisor in the US and was refused. Today, I again tried to add money at a XXXX and the transaction was not honored. Paypal outsources its customer service to foreign countries which agents make racist remarks and engages in practices that are aimed at depriving US citizens access to its services based on an individuals race. For the last 30 days I have tried to add money to my paypal account at a XXXX and paypal has refused my transactions atleast 15 times, including today XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: EQUIFAX, INC.
State: MA

Complaint narrative:
As part of our home refinance, we received information from XXXX XXXX that XXXX XXXX had reported an outstanding balance on our account of $ XXXX report appears on my Equifax Credit Report This is not correct as we have an account which requires us to pay monthly for electricity produced by the solar panels. In conversation with XXXX Customer Service, i was told that this amount is the amount I would pay if I cancelled the account. The amount is not paid monthly although the report from XXXX showed a {$3.00} per month payment for 190 months. The monthly bill we pay is only for electricity used and is in good standing as it is paid by direct deduction from my checking account. 
One person at XXXX mentioned that they could remove the amount so I could get the refinance ; however in one week I have had no reply from XXXX to my repeated inquires. 
In summary there is no billing or payment for the {$23000.00} This figure is an internal figure carried by XXXX that is not a current obligation and should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/2019 I contacted chase bank informing them I was in a hardship. The house we were renting was tested for black mold and due to the positive results the city deemed it not livable. At that time I made the call to chase I was currant on my payments. My intention was to get lower payments moving forward or even No payments for a short period. We were living in a hotel at that point and would not be able to move back into the home until our landlord fixed the issue, I had documents to prove I was going through a hardship if needed. Unfortunately chase would not help me. I sat on the phone for over an hour they keep escalating the call to different representatives. None of which gave me any advice or options. Needless to say I fell behind and my account was closed.

Company response to consumer: Closed with explanation