vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I have no recollection of this debt, yet it is damaging my credit score with derogatory remarks that you are reporting monthly. 

Ive asked for a signed contract/application showing I agreed to pay this debt you claim I owe. You have yet to provide original documentation, or any documentation at all proving I owe this debt. 

You are reporting different dates of last activity, different dates of last payment, reporting incomplete information as well. Intentionally harming my score. 

REMOVE THIS ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WA

Complaint narrative:
I had an accident and my insurance company paid off all my debt, TOYOTA MOTOR CREDIT is falsely reporting debt on my credit which is totally unconstitutional

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: National Credit Systems,Inc.
State: TN

Complaint narrative:
XX/XX/2020 national credit system and absoule recoveries these account are fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: CA

Complaint narrative:
The credit agency is reporting bankruptcies on my credit report. When I disputed, they stated the information was verified. I reached out to the bankruptcy court and asked what method of verification was used. I was told in writing that they DO NOT report to credit reporting agencies. When I asked the credit agency how it was verified, they stated through an e-verifier.

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 2020-11-04 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: CITIBANK, N.A.
State: UT

Complaint narrative:
On XX/XX/2020, I submitted payment in full on two credit card accounts with CitiBank and XXXX. It took 15 days and two phone calls to get them to acknowledge the payments. They have not, as of XX/XX/2020, reported the payoff of either card to the credit reporting bureaus. This resulted in CitiBank reducing my credit limits and lowering my credit score. When I tried to dispute it with them directly, they basically said tough nuggets, buddy, and refused to take any other action.

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 2020-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The credit agency is reporting bankruptcies on my credit report. When I disputed, they stated the information was verified. I reached out to the bankruptcy court and asked what method of verification was used. I was told in writing that they DO NOT report to credit reporting agencies. When I asked the credit agency how it was verified, they stated through an e-verifier.

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 2020-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The credit agency is reporting bankruptcies on my credit report. When I disputed, they stated the information was verified. I reached out to the bankruptcy court and asked what method of verification was used. I was told in writing that they DO NOT report to credit reporting agencies. When I asked the credit agency how it was verified, they stated through an e-verifier.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Reference ID : XXXX Company Name : PayPal Inc Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX On the XXXX of XXXXpapal limited my account the second timeBefore all these, I contacted PayPal that week informing them Ill be expecting more than mu usual money that particular week. I remembered talking to a lady though..I told her my account has been limited before and i asked her whether is it possible it might get limited the second time? and her response Yeah..Buh since you can provide the requested documents again then hope that wont be a problem. She explain things to me and assured me my account will be safe.But before that, i already have an accumulated money in my account already. 

Days later, I attempted to withdraw {$2000.00} which was placed on hold for 24hrs. 
Transaction type : Withdrawal Date : XXXX XX/XX/2020 Amount : {$2000.00} Status : denied Transaction ID : XXXX During that awaiting 24hrs, I received {$500.00} from a business partner which was also place on hold for further review by PayPals security system.. 
Date Received : XXXX XX/XX/2020 Amount : {$500.00} Transaction id : XXXX Later that day, I received an email from PayPal indicating my account been limited permanently due to suspicious activity. PayPal will not even provide me with evidence showing me what this " suspicious activity was. '' When It happened, thought the system made an error because I received 2 emails with the same limitation messages ... I contacted PayPal via email -- it took them three days to reply. When I did get the reply, it had NOTHING to do with what I had written. Their response was sorry your account remains limited for 180 days ... I've tried contacting them on both phone and email but all to no avail..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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:
Recently, I received a copy of my credit report and found several fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these accounts being open, any contract bearing my XXXX signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Reference : Chase Auto Loan Account Number XXXX Payment Amount : XXXX Principal Balance as of XX/XX/XXXX {$40000.00} XXXX XXXX XXXX To whom it may concern : On XX/XX/XXXX, I realized that we would not have the funds available to pay the car payment to JPMC for XXXX or XXXX because my husband 's unemployment payment did not cover all the bills. He's been out of work due to Covid-19. We have a child with pre-existing medical conditions that are susceptible to the virus, and I have XXXX  XXXX which would ultimately be a death sentence if I contract the virus. Therefore, my husband can not work unless he lives away from home. On the XXXX of XXXX, I call the Chase Covid-19 support telephone number to request a deferment. I also called the number 5 times on the XXXX of XXXX because I knew that the payment would be 30 days late if it wasn't made by the XXXX of XX/XX/XXXX. Every time I called, the number attempted to transfer me to the representative, but each time it simply disconnected the call. I tried different times throughout the day on the XXXX of XXXX and the call would never go through. I called again on the XXXX of XXXX and finally, the call went through to the representative and we were approved for a deferment of payments for XXXX and XX/XX/XXXX. Now, the company refuses to remove the late payment reported for XX/XX/XXXX on my credit report. I've spoken to representatives. I've faxed requested information that supports the numbers called as we urgently attempted to obtatin assistance more than 6 times. and Chase refuses to correct the late payment on my credit report. The company approved me a deferment but still reports the payment late. That is ridiculous. Please assist me in obtaining fair credit reporting of my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
back in XXXX XXXX I told one main thing a financial not to contact me. I told them to not contact me when I called them back and I was told I was on there do not call list. they called my house at XXXX this afternoon. I called back at At XXXX and told them I was on the do not call us not to call me ever again. To listen to the recording when I called the last time not to call my number. They are in violation of my rights I said do not contact me back XXXX XXXX and XXXX and they continue to contact me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
On XX/XX/2020 I received a notification from my credit monitoring that I had a collection added to my credit report. 

I contacted the company, because I didn't receive any notices prior to this being on my credit report. I originally spoke to a manager and stated that I didn't receive any validation period to dispute the validity of the debt. 

He stated that he didn't have to give any period at all. I asked my advocate XXXX XXXX, who is very familiar with FDCPA, and gave him authorization to call on my behalf. 

His phone automatically records conversations since Texas is a 1 party state as per phone recording. 

The manager came on at approximately XXXX seconds of the recording, she stated that they never sent any documentation to me, and their procedure is that they have to send out communication within 5 days of contact. The issue is they put a collection that is not mine on my credit report in the middle of my mortgage loan, as well as when Im being prepared for my annual review for my job. Having derogatory credit could be a potential reason my employment could be jeopardized. 

This tactic can have collection agencies just put items on credit report and extort consumers like myself without any period to dispute the accuracy of the accusation and harm me financially in my case of a XXXX point drop. I have always thought after the collection agency receives the debt, a consumer has a 30 day period so in cases of mine I can send my notarized identification fraud affidavit? I believe this company is abusing collection practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CURO Intermediate Holdings
State: VA

Complaint narrative:
I have used both Avio Credit and XXXX XXXX in XXXX. I was paying on time for almost a year until XX/XX/XXXX, my work hours was cut due to Covid-19. I can not afford to pay both online payday loans at the time. How did I go from owing {$700.00} to {$1900.00} just like that? 
It's already bad they charged very high interest rates. 
Now a collection company named Ad Astra Recovery Services are reporting on my credit report for both companies. Im a Virginia resident. Online payday loans are not legal especially due to the high rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My complaint is to get the rewards dollars of {$830.00} back. 

I am an active Amazon XXXX member using Amazon XXXX XXXX XXXX issued by Synchrony Bank to shop at amazon.com. On XXXX/XXXX/2020, Synchrony Bank closed my Amazon XXXX XXXX XXXX account without noticing me first and the reward balance of {$830.00} was forfeit. The reason was " high risk of failure to pay ''. As a matter of fact, I held this account for more than 1 year, and I paid every single bill in full on time without any default. At the time when my account was closed by Synchrony Bank, there was even not a debit balance. 

I called the Synchrony Bank customer service twice. I got the same answer from them. They claimed that once my account is closed, the rewards are forfeit and can not get them back. All the {$830.00} rewards were earned when my account was active, and I already paid the bill before my account was closed. Especially, earlier in XXXX, many items were advertised to have 10 % ~25 % cash back to Amazon XXXX XXXX XXXX XXXX I shopped and paid the bill, but the rewards were forfeit. This is not acceptable!

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 2020-11-03 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2020 I paid the account in full with understanding that the unverified account will be deleted. Also, I never received the undeliverable mail that was returned from the post office due to an invalid address. Section 623 ( a ) ( 1 ) ( A ) prohibits furnishing information to any CRA if the furnisher " know or has reasonable cause to believe that the information is inaccurate, '' Given that the furnisher has provided false information to you about me, and provided you with false address. I demand that the item are reporting be removed immediately. 

XXXX XXXX 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 2020-11-04 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2020-11-04 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Today, XX/XX/2020 at XXXX PST I purchased one item at Target. 
When I got to the register, the cashier asked me if I had a rewards card with them and I said I think so, but I didn't find it in my purse. She asked if I wanted a new one and if so I can get a 5 % discount on my purchase today so I said ok. She took me over to the customer service and asked for my Driver 's license so I gave it to her. I asked would she have to run my credit for any reason and she said no, absolutely not! After the " application was complete she told me that I have a {$40.00} gift card I can use right now or later. I don't shop there much so I said I'll use it now! 
Then she handed me the receipt and told me to use this when I shop until my card comes in the mail! The receipt says I had a line of credit for {$500.00}! I was livid! 
I reminded her that she said she did not run my credit! She apologized and said she didn't know my credit would be ran! I explained that I did not want any credit at this time! 
I went home and called their customer service number immediately, in fact it was literally 49minutes after the purchase occurred! I spoke to XXXX in credit services and he said he can clos the credit account since it was done in error, but to reverse the hard inquiry could take up to 60 days! I asked to speak to his supervisor. Ms. XXXX said she can't do anything about that. I explained that I used to be in mortgage lending and we did " rapid rescores '' with credit bureaus all the time! I pleaded with her to call XXXX, with whom they ran my credit, especially since this a same day transaction that occurred literally an hour ago! 
She also said she could only give me corporate 's address, no means to contact them by phone our email! I am in the process of selling my home and i need to use financing to make large purchases right now! I can not wait 60 days for my FICO to return to it's glory!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: ME

Complaint narrative:
My husband and I started the loan application in mid XXXX, and after several various request from Quicken Loans, and 3 1/2- 4 months later, were told that they had everything they need and that it was now in underwriting hands. Then after receiving that call, I received and email on XX/XX/XXXX, from XXXX XXXX stating On XXXX XXXX, 2020, at XXXX XXXX XXXX, XXXX XXXX wrote XXXX Hey XXXX, Hope all is well! 

Our underwriters are requesting one final document from you and XXXX. Could you please provide your XXXX bank statement for XXXX business once you receive it? 

Thank you so much! 

XXXX XXXX XXXX XXXX  Consultant The bank statement would not be available until XX/XX/XXXX, which I went to upload to the account they had assigned us, on XX/XX/XXXX on to find out they had automatically closed our account due to loan application duration. 
We were supposed to be awaiting a closing date. Not a closing of our application that was in the final stage of closing. 

This company has requested numerous time for the same things, which we gave to them over and over. 
The delay of this loan process was due to their ability to complete their process in a timely manner, not ours.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
On XX/XX/2020 I submitted a complaint to Chase bank because it showed as a Flexible Spending Account on my credit report. It is NOT a flexible spending account ; it is a revolving credit card. I didn't know why it showed negative on my report. When I spoke with Chase bank, they said that they only report to credit agencies when there are two consecutive late payments. Chase bank indicated that they did NOT report anything to any credit agencies. Further, I pay more than the minimum payment every month. When I pay early, they view it as a LATE payment because a statement hasn't generated. Chase sent me a letter of confirming they did not send or report anything negative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
Citi Bank refused to accept payments made to them, stating that the funding bank was holding the funds. After several calls to both the bank and Citi found that they ( Citi ) had lied about the hold and would not credit the payment to the account. Furthermore they did not report the payment/balance decrease to the credit bureau thus lowering my credit score. They further reduced the available credit by over {$22000.00} despite being paid in full and on-time though out the credit history. They would not offer a reason as to why nor did they notify me of the decrease, when i called to talk to them I was hung up on twice for pressing the matter. Later when attempting to make an online complaint about through their website my account access was removed and I was not longer able to login to access any transaction details including this months statement.

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