vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
The auto loan account with Santander is current while the company continues to report it as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
Payments were being made to ALLY financial for a 2015 XXXX XXXX. We had XXXX for two weeks which we didnt get paid for but we were still making payments to ally financial. Yet they saying we were behind & put delinquent on my credit report!!! THAT IS TOTALLY WRONG OF THEM & UNCALLED FOR!!! 
They were getting more than half of the amount needed of ONE payment. Called & harassed us for more money when we were making on time payments just not the full amount. Barely short. & this one only for ONE MONTH!!!!!!! This is ridiculous!!!

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 2022-09-02 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: LEXISNEXIS
State: GA

Complaint narrative:
There are soft and hard inquires pull from accounts I never open. The only account that was open in my name was XXXX XXXX which was XXXX XXXX. The dates of the the open accounts that not me was XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The people who is performing fraud on my account has made my credit score low and I want to take action now. I want to report all these companies as fraud because it is not me. Below I attach the names of the company with dates and descriptions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX I logged in to AMEXs website to check the status of my XX/XX/XXXX XXXX XXXX complaint which I hadn't heard about in months. AMEX claims they notified me, but they sure did make it hard or impossible to find any information they claimed to have sent me. I saw that they had closed the case in XXXX XXXX 's favor, but I couldn't see any documentation that shows what evidence they provided. So I chatted in to find out what evidence was provided. The rep said they couldnt see any evidence. So this looks like AMEX is purposefully protecting XXXX XXXX. I asked to reopen the case and the rep did. I also told the rep I have image evidence of my claim. I uploaded those images. The rep said he reopened the case and that AMEX would review the images and case within 48 hours. On XX/XX/XXXX when I logged in to AMEX, I saw that the case had been closed again and that the reason was that I couldnt open a new case for the same transaction if it had been closed past 30 days. I only found out that the case was closed 1 day ago because of their poor or nonexistent notification. On XX/XX/XXXX I spoke with a series of reps who admitted the XX/XX/XXXX rep lied, but they couldnt do anything about it. They offered a measly {$10.00} credit after I asked for a full reimbursement of the original {$140.00} charge. Im now stuck with a defective pair of shoes that gives me blisters and Im still out of pocket {$130.00}. 

The original claim was for defective shoes. I can provide CFPB the images if needed. XXXX XXXX has been no help in this process, hence why I reached out to AMEX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-02 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: FL

Complaint narrative:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. As this account they failure to positively verify these accounts has hurt my ability to obtain credit. 
Under the FCRA, accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2022-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding is attempting to collect three credit card debts that have been negotiated and settled with the credit card companies DIRECTLY. LVNV Funding is FRAUDULENTLY reporting accounts that it has no legal right to report nor attempt to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
Greetings, I have been struggling for months with an identity theft in which I have made thousands of steps and I still have not found someone to help me properly. I notified all the relevant agencies including the FBI, I keep trying to get SYNCRONIX bank to delete an account that I have not authorized to open and they want to charge me and they even sent me the card with the information they asked me for when I called to report That account did not belong to me. My credit score is still affected by this whole situation. I have my own business and it has affected me greatly since my accounts are all up to date and because of this situation I have my credit for the flat. I hope you can help me. I don't know English, but if you write to me I can translate on a page. This is a nightmare and everything is in English.

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 2022-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause 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 non-monetary relief
Consumer complaint received 2022-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding is fraudulently reporting a collection account for a credit card that has been negotiated and settled with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: NC

Complaint narrative:
In reference to CFPB Complaint XXXX - Equifax is still reporting the accounts however in the ( complaint XXXX ) response they claimed where not reporting this inaccurate reporting. SEE ATTACHED STATEMENT CFPB - EQUIFAX LETTER XX/XX/2022 ; SEE ATTACHED EQUIFAX CREDIT REPORT AS PROOF OF THE FACTS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
The credit card company calls me repeatedly. Back to back sometimes 7 times a day. They call before XXXX and after XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: Chime Financial Inc
State: TX

Complaint narrative:
I made a online purchase on XX/XX/XXXX. After 3 months of not receiving my product I requested a refund which they agreed to. I filed a dispute with Chime bank on XX/XX/XXXX. It was quickly denied. I have opened multiple rebuttals since then. On XX/XX/XXXX I talked to a supervisor of the dispute department. He informed me that it probably got denied because it was filed under failure to receive goods or services, but since the company said they would give me a refund they denied it. They said they were going to file it as a failure to credit since I didnt get my refund. It was denied shortly after that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. As this account they failure to positively verify these accounts has hurt my ability to obtain credit. 
Under the FCRA, accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma, LLC
State: NY

Complaint narrative:
Pre-approved for cards not pre-approved for. Had me signing up for cards just to be declined and hits and points lost on my credit report based on information from Credit Karma they provided which was false just to get me to sign up very misleading and cost me in the credit world.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
Company claims to be named XXXX XXXX XXXX and also says that they are direct validation services. Their phone number is XXXX. 

Company called and said that I had documentation and documents that were unable to be delivered to me and were requesting information from me to deliver said documents. Then they told me that this is from a debt that is over 6 years old and it's from 2016 for a credit card, XXXX XXXX or something to that effect. They told me that they had advised their client to shoot me is there client to shoe me for the amount of {$2600.00}. The debt is way beyond the statute of limitations of 5 years in Florida. I advise them of such and they told me that they would contact me via the court system and that I would have to pay over {$2800.00} in legal fees, {$2600.00} in a judgment, and other fees if I wanted to clear this from my name. They also advised me that I could be arrested at any time for this debt. They Gave me a file number of 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 2022-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I need to dispute XXXX charges made with my debit card, because the shop never sent the items to my address and never provided any tracking number ior information of the shipment. 
1 : XX/XX/XXXX, XXXX : It was a XXXX XXXX phone, must be delivered on XX/XX/XXXX 2. XX/XX/XXXX, XXXX : It was a XXXX XXXX phone, must be delivered on XX/XX/XXXX 3. XX/XX/XXXX, XXXX : it was an XXXX XXXX XXXX, must be delivered on XX/XX/XXXX XXXX. XX/XX/XXXX, XXXX : it was an XXXX XXXX XXXX must be delivered on XX/XX/XXXX I called many times to the merchant but they never answer the calls, and also never answered the emails. 

Also I tried to dispute this charge directly with the bank but they waiting time trought the callcenter was very long and they dont provide any other option to dispute charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause 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 2022-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
COPY OF EMAIL RECEIVED : XXXX XXXX AM ( XXXX minutes ago ) to me Hello, XXXX XXXX XXXX XXXX Here 's your invoice Bitcoin Exchange sent you an invoice for {$490.00} USD Due on receipt View and Pay Invoice Seller note to customer You have successfully made a transaction for your Bitcoin ( XXXX ) Using Paypal, you Charged the amount mentioned in the INVOICE. This transaction may take 12 hours to appear in your Bank Statement. Do give us a Call for any dispute regarding the Payment and issue a Refund at XXXX ( XXXX ) XXXX PayPal Help & Contact | Security | XXXX XXXX XXXX XXXX XXXX PayPal is committed to preventing fraudulent emails. Emails from PayPal will always contain your full name. Learn to identify phishing Please don't reply to this email. To get in touch with us, click Help & Contact. 
Not sure why you received this email? Learn more Copyright XXXX PayPal, Inc. All rights reserved. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
PayPal XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Recently, I did an investigation on my consumer report which has caused severe XXXX and XXXX  upon me. In accordance with the Fair Credit Reporting Act EXPERIAN, XXXX  and XXXX  has violated my rights : -15 USC 1681 ( a ) ( 4 ) : states that I have the right to privacy as a federally protected consumer.

-15 USC 1681b ( 2 ) : states a consumer reporting agency can not furnish an account without my written instruction or oral instruction -15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy.

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 2022-09-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Possible Financial Inc
State: FL

Complaint narrative:
I took out a payday loan with Possible Finance in XXXX XXXX. Shortly after opening the account, I switched bank accounts. 

We experienced a loss in the family and I had forgotten to update all of my accounts with the new bank information. I had attempted at several different times to get the payment method updated on the app and it would not allow me to. There is no way to contact Possible without submitting a ticket online. 

Again, not thinking this was a big deal, I did not submit a ticket and figured I would try again in the future. 

Today, XX/XX/2022, I noticed my credit report stating I was 30 days past due on the account and it has negatively affected my credit. Immediately, I logged into the app again and tried to change the bank account information. This time it allowed me to change the bank but would not allow me to change the payment method. 

With there being no way to directly speak with someone and escalate concerns, I am not sure how Possible is compliant with Fair Debt Reporting.

They want their money so badly, but force customers to jump through hoops to make the payment and punish them when they switch bank accounts and forget to update the information. 

The money is and has been sitting in my account with XXXX XXXX ready to pay Possible and now I am negatively impacted by Possibles subpar user interface!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: GA

Complaint narrative:
The mortgage company has the incorrect amounts for our taxes for our escrow reconciliation causing our monthly payment to be higher than it should be. They show our county taxes as {$2800.00} when they are actually {$2500.00}. They show our city taxes as {$9200.00} when they are actually {$7900.00}. They show our solid waste as {$2300.00} when it is actually {$560.00}. We have provided all of the documentation showing the correct amounts due in the form of the actual tax assessments and they refuse to update the escrow calculation with the correct amounts until they actually pay the taxes months from now. Part of the incorrect calculation is for a supposed escrow shortage however the statement doesn't actually show where the shortage occurs because that month is missing completely. Our escrow reconciliation statement is missing the month of XX/XX/2022 completely as well as the tax payments for the current year causing the numbers on the statement not to balance. The statement they provided shows an actual escrow balance of {$7900.00} in XX/XX/2022 and skips XXXX completely and picks up with an estimated escrow balance of {$3700.00} in XX/XX/2022 without explaining how you get from one amount to the other. We have requested a full statement with all months and tax payments and they have refused to provide.

Company response to consumer: Closed with explanation