vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I had dispute over an amount on a purchase I made online using PayPal Credit, which is different from Regular PayPal. The correct amount was credited back to my running balance. However for some reason which no person has answered yet my transaction was with PayPal Credit ( handled by the Synchrony Bank ) however Regular PayPal became involved for some reason unknown to me. They sent me a notice that since I had contacted the financial institution for PayPal Credit that they ( Reg. PayPal ) could not resolve the issue, that I should contact Synchrony Bank ( PayPal Credit ) to handle the matter I do not, have not, nor will I purchase using Regular PayPal because you have to put up a cash amount to spend with. I have had PayPal Credit from the start. So I can not understand how Regular PayPal took it upon themselves to resolve a matter that the Synchrony Bank financed for me in XX/XX/2020. 
However I recently was notified by Regular PayPal that they had credited my account twice so now I was informed they were collecting, the undocumented error that their book keeping had made, from my money sent to me to pay a phone bill. Theres no body available to talk to that will tell me the transaction data for each credit they gave me because I dont purchase through them. 
They have not given me any money and the Synchrony Bank said ONLY ONE CREDIT for that transaction shows. I have no other account for them to credit, but they have taken my bill money unfairly. Over a week ago when I realized that there was a problem I made numerous calls and requested copies of all my statements since the original purchase date so I could see what day they credited my account that I dont have. I have made in excess of 10 - 15 calls and spent at least 8 solid hours with PayPal and PayPal Credit an and Synchrony bank trying to find out where the credit went, if they actually credited something after telling me they could not investigate the matter

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 2021-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Some hackers had my information and got a credit card in my name and now I cant get a capital one credit card. I didnt know that I was a authorized user on the account and I checked my credit score and it said that I had a capital one card in my name. I need some help so I can get my credit score back in order.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
By submitting this complaint we are asking CFPBs assistance in removing unfair ( and possibly illegal ) late reportings from our credit history by Select Portfolio Services. 
Back in XX/XX/2020 our family was in a financial crisis due to COVID pandemic just like many other American families. We heard about the pandemic assistance banks provide by allowing to pause mortgage payments without getting foreclosed or being reported as late. Our mortgage is with Select Portfolio Servicing , inc. ( SPS ) and they provide the option to apply for assistance online. We submitted the request thinking that it will be such a relief, but instead our financial situation got even worse. They responded to our request asking for our financial documentation to be provided before they can make a decision. We uploaded the documents, but every time we send them requested documents, they would come up with additional requests after reviewing them for few weeks. It took the whole 3 months to finally get approved for the program that would only reduce our payments for 6 months, but the whole amount would come due at the end of the term. This is NOT a good plan to help people struggling in such a great financial need due to global pandemic. In XXXX, we got our tax return and were able to pay all the past due amounts. We were lucky that we had these money coming in. After rejecting their offer, we were shocked to find that SPS reported us late in XXXX, XXXX and XXXX which obviously ruined our credit history. According to the CARES Act the pause of payment is immediate, but for SPS it took 3 months to make a decision. We dont understand why SPS decided to take so long and after all report us late, and therefore we ask for your assistance since they refused to correct our credit history. To be more clear and specific, we ask for your assistance so SPS would remove late payments from our credit history. When we started the whole process, we were not aware of the timeframe it would take them to approve and that they are going to be reporting us late during the entire time we were in communication. They also reported us wrong because we were late in XXXX and XXXX, but we all caught up on XX/XX/XXXX, but we were still reported late in XXXX. They also refused to acknowledge that when we called them. I hope you will be able to restore justice. 
We are attaching our letters from SPS so you can see the process. 
Thank you 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 2021-03-25 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am in distress because of the inaccurate information on my credit report. I have yet receive a response from you I want all this problem get fixed right away and I will not wait another months to receive your response. Failure to investigate these issues within 30 days provides a reason to delete those items from my credit report immediately, according to Section 611 ( a ). They should be removed as soon as possible because it has been 60 days passed and I never heard from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
As noted the CFPB is aware of the Capital One issue, and how I did not consent to the opening of the card and in essence was hoodwinked by the salesperson which is a violation of the UDAP, under both Federal and kansas state law, therefore none of the three credit reporting issues should be reporting the XXXX/XXXX XXXX XXXX account as its not accurate, its unfair and deceptive and illegal. THis and the inquiry on XXXX need to be removed. The tradeline must be removed from XXXX, Experian and 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 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Georgia Student Finance Authority
State: GA

Complaint narrative:
I filed Chapter XXXX bankruptcy in XX/XX/XXXX. Georgia Student Finance Commission was listed as a creditor on the bankruptcy. However, GSFC continue to report negatively during the bankruptcy proceedings. On XX/XX/XXXX, the Chapter XXXX bankruptcy was discharged without contest from creditors. I have consistently contacted XXXX, XXXX, and XXXX, plus GSFC, disputing the the discharged debt. XXXX dispute came back as the debt will remain, Transunion continues report the debt, GSFC continues to report the debt negatively on my report knowing the debt has been discharged. I have reached out to the Vice President, XXXX XXXX, of GSFC to inform her of the bankruptcy discharged and presented all court documents. Her response was that GSFC lawyers informed her that the debt was not discharged which the evidenced shows the creditor is listed and the debt is discharged on page 3 of 5 of creditor report listing GSFC discharged on XX/XX/XXXX. I feel that I have exhausted all efforts with the creditor. As I read the reviews of other patrons of this finance company, they have shared the same experiences with this company. I have attached copies of the bankruptcy discharge report, trustee notes, creditor report.

Company response to consumer: Untimely response
Consumer complaint received 2021-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
As noted the CFPB is aware of the XXXX XXXX issue, and how I did not consent to the opening of the card and in essence was hoodwinked by the salesperson which is a violation of the UDAP, under both Federal and kansas state law, therefore none of the three credit reporting issues should be reporting the XXXX/XXXX XXXX XXXX account as its not accurate, its unfair and deceptive and illegal. THis and the inquiry on XXXX need to be removed. The tradeline must be removed from TransUnion, XXXX and 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 2021-03-25 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: KS

Complaint narrative:
As noted the CFPB is aware of the XXXX XXXX issue, and how I did not consent to the opening of the card and in essence was hoodwinked by the salesperson which is a violation of the UDAP, under both Federal and kansas state law, therefore none of the three credit reporting issues should be reporting the XXXX/XXXX XXXX XXXX account as its not accurate, its unfair and deceptive and illegal. THis and the inquiry on Equifax need to be removed. The tradeline must be removed from XXXX, XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: NJ

Complaint narrative:
I have sent multiple letters to XXXX XXXX, Equifax and XXXX, dated back to XX/XX/2020, expressing my concern regarding the inaccurate information being reported on my credit report. they insist that the information has been verified as accurate I XXXX XXXX never gave consent to report such things on my report. Under the 15usc-1681a this is illegal! 
XXXX XXXX : XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX, XXXX , XXXX XXXX XXXX Equifax : XXXX , XXXX XXXX XXXX  , XXXX , XXXX, XXXX XXXX  XXXX, XXXX  XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  , XXXX XXXX XXXX : XXXX, XXXX , XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX/XXXX  XXXX, XXXX/XXXX  XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Again XXXX XXXX removed the bankruptcy dismissed from my public record. The company where XXXX, XXXX, and Transunion picks up matter like this to report resolved this matter in XXXX. So if XXXX XXXX rep realized it and removed it from my public records. What is the actual problem? XXXX  removed it yet and still I have showed proof to XXXX  and Transunion and still going through this after getting a letter from Transunion that it was deleted.

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 2021-03-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2021, I received an alert from my credit monitoring regarding a hard inquiry from XXXX. I called XXXX immediately to report the fraud. They confirmed that someone used my social security number to open a credit card. As a result, they declined the credit card application. After the call, I filed a report on identitytheft.org and placed a fraud alert on all 3 credit bureau. 

On XX/XX/2021, I received another alert stating neiman marcus made a hard inquiry through XXXX  and someone attempted to open a credit card with my social security number. Neiman Marcus stated that the credit card application was declined as there is an active fraud alert. I requested for a letter stating the fraudulent incident, but they refused to provide as the application was declined. They also stated that the hard inquiry will be dropped from my credit report after 30 days. 

Since then, I've been monitoring XXXX  on the hard inquiry but it was never removed. I attempted to dispute with XXXX  and they stated that neiman marcus is the only source that can request removal of the alert. 

On XX/XX/2021, I contacted neiman marcus and requested to speak with the fraud department. They told my phone number but never got back to me. I called capital one, the bank that host neiman marcus credit card. Since I'm a capital one customer also, we had a conference call together with XXXX from neiman marcus. XXXX stated she will contact equifax to get the inquiry removed. When I requested for a letter stating which information is fraudulent, she stated that is not something they provide and told me to wait 90 days. 

I am skeptical of neiman marcus ' willingness to resolve the fraudulent activity. 
-They never called me to understand the fraudulent activity. 
-They never provide a letter stating which information is fraudulent. 
-XXXX was not able to help in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25 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: Credit Plus Inc
State: UT

Complaint narrative:
Was cold called from a companyUnknown XXXX, asking if I was looking to refinance. I advised that there was a specific circumstance that I needed to raise my FICO before I proceeded. Was transferred to a lenderwhere they asked me for my information so they could see if I could be possibly pre-approved, I advised I did not want any activity on my credit report because I am working on raising my FICO before I can do anything. The gentleman at the company asked me to verify my DOB and SSN and told me I was not pre approved approved and hung up. That same day I was hit with a hard Inquiry from CReDIT Plus and I havent heard from them since. Deceptive, sounds like they were fishing for an account and when they saw they couldnt help they just hung up. No follow through no anything. I dont even remember the gentlemans name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Again XXXX XXXX removed the bankruptcy dismissed from my public record. The company where XXXX, Experian, and XXXX  picks up matter like this to report resolved this matter in XXXX. So if XXXX XXXX rep realized it and removed it from my public records. What is the actual problem? XXXX  removed it yet and still I have showed proof to Experian and XXXX  and still going through this after getting a letter from XXXX  that it was deleted.

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 2021-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been a Capital One card holder for 20 years. I decided to add authorized users to my account for business purposes and was flagged as fraud. My authorized users are all XXXX Americans including my husband. 

I have been subjected to daily harassment from Capital One requesting the documents of all users. This has become a huge inconvenience and frustrating situation as I have submitted these documents 5+ times to their link provided by the Management department. 

Again, I received another call about my account requesting further documents of users that were removed from my account also XXXX American. 

I am a XXXX female and have never been through such harassment until my husband and authorized users were added to my account. This clearly has become a race issue and there is no fraud being committed!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
I do not recognize any of these companies they are reported as inquiries on my credit report ..XXXX/XXXX  XX/XX/XXXX ... XXXX XXXX XX/XX/XXXX ... XXXX  auto XX/XX/XXXX ... XXXX  XX/XX/XXXX ... XXXX XXXX XXXX ... XXXX credit/XXXX XXXX XXXX XXXX XXXX ... .. Toyota motor credit auto finance XXXX XX/XX/XXXX ... ..Us Sm Bus Admin XX/XX/XXXX 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
TO THE FACT I AM FEMA AND NEW MOTHER XXXX THEY OVER COST ME XXXX FOR EXTRA FEES FOR NOT ADHEREING TO THE SCEDULED PAYMENT DATED ; AND THEREFORE IN XXXX XXXX XXXX XXXX THEY OVER COST ME AS MUCH AS XXXX XXXX AND I NETWORK AND I SWEAR ILL NEVER SUPPORT THIS XXXX  AGAIN IN XXXX AND IT WAS UP XXXX AFTER ALL ADDITOINAL THIS YEARS FEES OKAY THEY SAID MAYBE YOUR ID IS THEFTED AND WE DON'T APPROVE YOU THEN IN XXXX FOR DISPUTES TO DISPUTALS FOR NOT EVERY ANYTHING EVER AGAIN, RUINED*

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 2021-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Collection Agency, Ltd.
State: CO

Complaint narrative:
In XX/XX/2021 I received a letter from Continental Collection Agency for a {$5500.00} debt for a former apartment I had stayed at. I contacted the agency and was trying to explain to one of the collectors that I was not responsible for this debt and I no longer lived in the apartment when this debt had been sent to them. The man became irate with me and yell at me that I was responsible and they had proof. I asked for proof and it was a piece of paper with my name and my ex with a break down of what was owed and the dates it was accumulated. Once again I repeated I did not live there during this time, I have proof and they still have kept it on my record. I even asked for the signed documents they had and the did not send it. To add my ex was evicted from this apartment before the dates the landlord had stated. I have pulled my mail, witnesses, court documents, and my former lease that proved I did not live there and he was evicted.

For documents I have attached the letter they sent us stating the dates that the debt was accumulated. I have added documents with dates that prove I no longer lived at this address. I can also add court papers about this situation but my name is not on these forms.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: PA

Complaint narrative:
My card was stolen and over XXXX dollars was taken from my account. I filed a fraud claim. EPPICARD denied my claim without giving me a specific reason as to why it was denied.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Advanced Collection Bureau, Inc.
State: PA

Complaint narrative:
When calling the agency reporting on my credit I spoke to a rude man. He would yell over me and would not give me direct answers. He kept using tactics as go to a hospital and dont pay thats great. I advised him of a XXXX and XXXX I had but the debt has been paid. I wanted to verify what this was from. Instead of giving me the information he insisted they already gave me a discount and pay my bills. He was rude and threatening. I ask to speak to his manager and he stated there was no manager and would not allow me to speak with someone else. I later called and spoke to his manager. I gave my complaint about the employee but he insisted with the same behavior and tone. I felt as they were harassing me over the phone. They used terms like we gave you XXXX of dollars off I had the treatment done and pay the bill. Why do they have any right to make any statements regarding my personal medial Information or even form an opinion. They tried to scare me and make me think I better pay without questions. 

XXXX XXXX was said employee and XXXX XXXX was said manager. Phone number XXXX I called on XX/XX/21 and XX/XX/21 I am going on circles getting no where but harassed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation