vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-14 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
State: FL

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up. I have not been able to get help from them for months. they locked my money in my account for months that i bet they are colecting intrest from! My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: Nelnet, Inc.
State: IL

Complaint narrative:
On XXXX I signed up for Auto Debit of my payments and received email confirmation. 
On XXXX I signed up for Auto Debit of my payments and received email confirmation. 
On XXXX I have AGAIN signed up for Auto Debit of my payments and have received email confirmation. 

Their failure to keep an Auto Debit ON has harmed my credit score and is a system failure at the MOST BASIC level of financial services - automatic payments. 

As frequently as this has occurred I would be surprised if others are not impacted as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: TX

Complaint narrative:
FICO-8 Experian score has been XXXX for over two years. 
XXXX, XXXX improperly and illegally reported my account with them as closed with a balance ( after contacting them, they admit several accounts were " accidentally closed '' due to a computer error XXXX XXXX, XXXX. 
The action from XXXX immediately dropped my FICO-8 score with Experian 11 points ( obviously due to what they perceived as suddenly more debt to credit available ). 
XXXX, XXXX XXXX used this incorrect fact as an action point to their advantage in late XX/XX/XXXX to notify me of an INCREASE in APR on account balance with them in excess of 5 percent ( this annual APR was a variable prime plus rate which equals 15.24 percent currently ). XXXX increased credit rate to annual APR of a variable prime plus rate of 20.24 percent effective XX/XX/XXXX. 
I had not been monitoring my credit profiles save for my free annual reports ( last was summer XXXX before the above happened ). After XXXX notified me of their pending increase, I research the cause. Contacted XXXX to fix my account status - file dispute with them and Experian. Experian and XXXX say " the problem was fixed '' within a couple days of their reporting " computer glitch '', but did not go further in fixing my Experian credit profile. 
Now I'm to the point of disputing their results of my original dispute. XXXX says it isn't their problem and glitch was fixed on their end. XXXX doesn't care because they say they formulate credit decisions based on current information in Experian credit file, whether accurate or inaccurate. 
This brings me to the final cog in the wheel, Experian. Even if my dispute was valid, they won't go back and restore the FICO-8 score that was reported to XXXX in the intervening time AFTER XXXX caused the problem and I discovered it after XXXX  XXXX has already taken punitive action against me.

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 2021-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
My previous complaint ID is XXXX I previously filed a complaint about National Credit Systems in XX/XX/XXXX. I was never sent any kind of communication about the debt they claim I owed until I filed a complaint with you guys. This company took from XX/XX/XXXX of XXXX to validate a debt. They stated the debt I owed was for {$120.00}, but they have the debt listed on my credit for more than {$3000.00}. After my complaint was closed out they sent a letter ( this is the first correspondence I've ever received from them ) stating that I owed {$3400.00}. That letter is attached below. I already mailed the money order for {$120.00} to Attorney XXXX XXXX. As I mentioned in my previous claim Attorney XXXX XXXX was the name and contact information I was given when I first called them in XXXX of XXXX. I'm not sure how one company can be listed on your credit but the payments go to a totally different company. 

After receiving the letter and realizing that I wasn't going to get help from the CFPB or the FTC ( their website sends me back to the CFPB ) I decided to try to call them and settle the debt and have it removed. I was told by the CFPB when I called yesterday that the company can not misrepresent the debt. I'm not sure whats going on with this company. The lady I spoke to with National Credit Systems advised me to call XXXX XXXX, when I told her that it was violation of my rights to misrepresent this debt she transferred me to a manager 's voicemail. I am not sure what needs to be done to get this corrected. I do not want to be scammed. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: FL

Complaint narrative:
I'm listing agent on a property and the Buyers contacting me directly stating that they don't a REALTOR. I showed them the house and i wrote a Offer on it, the buyer were revising the Contract when the Mortgage Broker Offer them a KICKBACK OF {$2000.00} in orderto use their preferredRealtorand this is illegal lender information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
I received a letter from Colorado State Unemployment office the week of. XX/XX/XXXX, that I had filled for unemployment, which I HAD NOT. Then I received a pre-paid card from USBank asking to activate it. The name on the card isn't even right as there is a middle initial on it and I DON'T have a middle name. 

This have been issued as a complaint with the CO Unemployment office, my company, my bank and my credit agency.

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 2021-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have tried to dispute this account over and over again with Experian. The collection agency has provided me with proof that the account first became delinquent in XXXX and it should come off because it is past the XXXX  year limit for collections. Please find the attached proof. I submitted a complaint on XX/XX/XXXX complaint # XXXX. The complaint was incorrectly closed because Experian states that I am not authorized to submit changes or corrections to my credit report. This is not true. I am the authorized person because it is my credit report. I have tried to contact Experian and they refuse to take my call to correct this matter. Please look into this issue and have it corrected. Thank you.

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 2021-04-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I'm currently being garnished for a credit card that I have no idea ever existed. The attorney XXXX, XXXX and XXXX was sent a letter asking for information about the credit card and they never supplied that information to me. I ask for a copy of the signed contract and a complete forensic accounting they used to calculate the debt. To this day I have not received any information regarding the account. They have not provided me any proof of any account existing in my name. Court documents show an account number that was whited out with a completely new account number written over it. No Contract included or any validation of any debt amount or when the contract was signed. This is fraud on behalf of LVNV funding and it's collecting arm Resurgent Capital Services attorney XXXX, XXXX XXXX XXXX 

What I've requested from Resurgent on XX/XX/21 was : -signed application -the entity suing me purchased the right to collect on the debt -the balance claimed as being due is calculated properly -the loan has not been rendered unenforceable due to the expiration of the statute of limitations

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Arco Collection Services LLC
State: TN

Complaint narrative:
I have tried to work out a payment arrangement with this company and the collection manager, refused to accept my payment arrangement. 

She has threatened to sue me on numerous occasions. She refuses to work out an arrangement with me because I can not pay what she has demanded from me. 

She have caused me XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/2020, I received an invitation from Citi to open a money market account. It stated that if I was to open this account, and deposit {$50000.00}, I would be eligible for a {$700.00} bonus offer. After receiving this offer, I applied and opened the account. I never received any sort of confirmation that this account was opened successfully. 

I then called and spoke with various customer service representatives who all confirmed my eligibility for this promotion. To make a long story short, after I made my deposit, I received a notice stating that I wasn't eligible since I had an account with them in the past. 

I have tried multiple times to resolve this issue with Citi, even escalating it to their " executive division ''. Their last correspondence to me states that they " reviewed my telephone interaction with the agents and confirm that they confirmed eligibility '', however, they are still standing with their decision not to honor the bonus. I believe this to be a complete bait and switch. 

I have attached my last letter to them ( dated XX/XX/XXXX ) and their response to me XXXX dated XX/XX/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 2021-04-14 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: FL

Complaint narrative:
TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXXXXXX. XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : 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 XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 



XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL 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 2021-04-14 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: FL

Complaint narrative:
TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX  Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : 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 MACYSDSNB XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 



XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Hello I had 5 accounts with Synchrony Bank and not once was I late and my balances are very low and one i didn't even use and for no reason they closed all my accounts and the sent me letters saying that they think that there might be a high risk of failure to pay which is not true because I either pay off my balance or make three times the minumum payment if not more. So they destroyed my credit score on baseless claim that they think I might fail to pay not that I failed to pay. Now my credit score has gone down by almost 75 points.

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 2021-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mid-Atlantic Consumer Services
State: CT

Complaint narrative:
Im shocked at the proof that you sent me based on my validation request. The law allows me to request validation for above account. I dont know your company, as you may be a scam artist trying to get money from people. I sent a letter to you 30 days ago asking for the following items. 

( 1 ). Contract with my name on it.

( 2 ) .Fullaccounting of this account.

( 3 ). Proof that you have the right to collect money from me.

( 4 ). Proof that you have the right to collect in my state.

And more.

Where is this proof? How does what you sentmeprove that this account belongs to me? It does not. Your company has failed on multiple levels. Let me tell you how.

( 1 ). You reported a debt to the credit bureaus causing my score to go down without validating.

Violation ( 2 ). You failed to provide sufficient proof, yet still continue collection activity by validating the debt above. 

Violation Would you like me to continue? DELETE THIS ACCOUNT ASAP or face complaints to the FTC, XXXX Consumer Financial Protection Bureau, and the Attorney Generals Office. I will also be reviewing my state law to see if a bond is required and if your company is registered to collect in my state. Dont escalate this matter further over this little debt. Delete it at once.

Company response to consumer: Untimely response
Consumer complaint received 2021-04-14 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: GA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: RUOFF MORTGAGE
State: KY

Complaint narrative:
A detailed description is attached but basically Ruoff Mortgage sent me a pre-approval letter for a product they didnt have, but didnt tell me until after I accepted a counter-offer on a house. This physicians loan is advertised extensively on their website but they later told me they dont have that product but only after I was under contract to close in 35 days. Thats fraud and predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I purchase my vehicle in XXXX. In XXXX, XXXX and XXXX they didn't report anything to the credit bureaus until I filed a dispute. Each time they only reported some of the information to some of the credit bureaus and that was only after I filed the disputes. I spoke with the company and asked them to please provide information because it showed I had outstanding debt over XXXX XXXX Multiple people yelled at me. They said I was lying because they report to the credit bureau every month. After filing disputes the information was finally gathered and since the last dispute they change the information from the past from being negative to positive back to negative. Because of them doing this I am unable to refinance with another company because it has damaged my score so bad. I have bank statements showing every transaction and screenshots showing them going back-and-forth on my credit report changing months from current to delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
I am having problems trying to prove my father in law 's death. XXXX XXXX XXXX XXXX died last year in XXXX due to XXXX. I have presented all financial documents for a loss mitigation review. However, to this date, proving my father in law 's death is holding up the review. I want to go forward with this loss mitigation review. I want the XXXX of the XXXX, or whatever higher office Mr. Cooper has to help me achieving my desire. I have extended my forbearance plan for three months.

Company response to consumer: Closed with explanation