vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I contacted Experian over 60 days ago regarding some information on wanted on my credit report removed. They never replied. Then I sent a letter more than 30 days ago and still no reply. I have attached my Florida State ID as proof of my Identifcation.

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 2020-10-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
PayPal informed me via email that my account has been permanently closed despite the fact that I have done nothing wrong. They will not let me access the funds in my account. I do not see how it is legal for an online banking institution to steal my money and not return it for 180 days!?!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-30 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: CA

Complaint narrative:
I file disputes with Experian and their response was that it wasn't made by me. SERIOULLY!!!!! ... I fill this is a stall tactic on their part and I should not have to go thru all this just to get my results. This is taking time away from my job to have to keep filing complaints. Please help me with this 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 2020-10-30 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN

Complaint narrative:
Back in XXXX, I had a secured credit card with USAA Federal Savings Bank. There was fraud on the account, which resulted in a new card issuance. USAA charged back too many accounts, which resulted in a disagreement as to debts owed. My secured limit was {$1400.00}, I closed the account and was told I owed {$850.00} dollars. I disputed it several times to no avail. 

In XXXX, I received a XXXX ( Cancellation of Debt ) from USAA for this {$850.00} dollars. USAA reported to the credit bureaus that the {$850.00} was a charge off- in XXXX. 

On my XXXX tax return, I added the XXXX to it, and of course it acted as income, for which I had to pay taxes on. 

In XXXX, XXXX, I disputed this transaction with all XXXX Credit Bureaus, I also submitted a copy of the XXXX, as proof to show that this was no-longer a Charge Off, and that in fact this is basically a Charge Back. USAA credit card department is upholding this as a current debt. 

I tried calling and speaking with USAA, but none of the associates, even their supervisors understand how a XXXX works and believe that the debt is still owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
I am a private XXXX XXXX. American Express is denying me banking access due to not having a social security number and reporting to the credit bureaus. I have given them Notice from the secretary of state showing i am a secured party. I have also given proof that I have no MLA obligations or affiliations. They told me i would have to get foreign credentials to get access to credit and banking. They securitizing my credit. They are restraining my trade. They are violating the Equal Credit Opportunity Act. I am a beneficiary of a trust and a federal consumer with guaranteed rights that are being illegally violated and causing me harm. Application refrence # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: TX

Complaint narrative:
To whom it XXXX concern : My name is XXXX XXXX XXXX and the reason I am writing is to inform you that I have been trying to get with Equifax, but am very upset for their lack of response and reporting. I have done every step they recommend on removing false accounts that are reporting and yet I'm still waiting waiting for a response. It has past 30 days multiple times and at this point, and still the issue has not been resolved. I still see that they are reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2020, I initially ordered XXXX online and paid with my CapitalOne credit card. Originally the price was around {$25.00} when you buy 3, with 2 free bottles included so I entered my order. After I researched the product and found out more about it, I saw it was not the best way to lose weight as it will affect my health severely. I immediately called the company where I made the purchase and explained I wanted to cancel the order, where I received a cancellation order number as well as an email with the same cancellation number. The company stated my card would be refunded, but then I received the same charge for the amount of the purchase by my credit card company on the following bill statement. I called CapitalOne on XX/XX/XXXX to dispute the charge, and received a letter confirmation dated XX/XX/2020 that the dispute would be investigated. On the same day, the product arrived to my house, even after I canceled the product. I called the company to ask how to go about the return ; they directed verbally and via email exactly how to return the product via XXXX with a tracking number, ensuring it was received. On XX/XX/XXXX, CapitalOne sent me a letter stating the company shows a no-return per policy was received from the company to them. This made no sense to me as I spoke to XXXX people from XXXX about returning my product, receiving a cancellation email and direct steps on returning the product. CapitalOne reapplied the charge and said I still needed to pay the charges. On XX/XX/XXXX, I sent in a letter to CapitalOne because I wanted to continue the dispute as I have everything in place that I sent things back in. Since then, I started receiving more charges on my account from companies I've never heard of and don't know how to use. This should have launched an investigation regarding the charges, as they are not remotely close to anything I have been involved with. I explained I no longer wanted to have a credit card with them, cancelled my account, but I can not pay a balance for purchases I did not make.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
On Friday, XX/XX/XXXX, I received notification from Experian of an email address change for my account with them. I did not initiate this change. My account was taken over. In an attempt to reset my credentials online, I discovered all the hacker needed was access to my email address, DOB and SSN. These XXXX pieces of confidential information have obviously been compromised. There is no obvious evidence of anyone unauthorized accessing my email ( although I acknowledge they are very capable of covering their tracks XXXX. On the Experian site, I also observed a partially masked email address of XXXX ( not my email address ) confirming their assertion changes had been made to my profile. Although I replied to the message I received from Experian, and sent an additional notification to the email address provided in their automated message, Experian does not have a phone number to speak to a human about this matter. Instead, I am left to contact each creditor and find apply all protections available to me with no assistance from Experian. They made this problem possible. I'm left to clean it up.

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 2020-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have a serious problem with Bank of America. 
The issue involved is trying to update my current information for Bank of America. 
Bank of America on my on-line checking account has an error on the verification on the form sent on-line to verify my information for their records. 
The Bank Of America verification form freezes for the verification box. The last information reflected on the form is just to verify my social security information is correct on my file. The page should drop down to allow me to confirm their information is current. I am unable to do this since this page has the error for myself the box which I could use to verify their information This should be a simple process but after XXXX hours of speaking to Bank of America XXXX XXXX they absolutely will not help me. I spoke to several Bank of America representative 's for nearly XXXX hours! 

The support team to change the form for verification put me on hold over XXXX minutes and never responded back and was rude when I first spoke to the support team that handle 's technical issues. 

I have been a Bank of America customer for over XXXX years and their service was great!. I have a dispute on file for an E-bay purchase which the seller is trying to cheat me and refuses to refund me even though I notified E-bay for the cancellation. 

Bank of America claims that the dispute was opened. With the service I have experienced today who knows what will happen next? 

The bottom line is Bank of America is unwillingly me to verify my account for Bank of America since the form on my on XXXX Bank of America has this error of not letting complete the verification form complete since Bank of America XXXX has an error to verify the account by the form having the error of being incomplete since the verification box will not reflect on the form. 

As a result of this I am unable to access activity in my account or use any on-line service provided under the term XXXX or any on- category. I could have opened my dispute myself but can not since Bank of America refuses to correct the form or send another form to verify my information. 
I do not understand why a Bank of America refuses to confirm their updated confirmation via phone or E-mail. 

Bank of America is terrible with awful customer service. 
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 2020-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I filed chapter XXXX bankruptcy on XXXX XXXX An account listed on my credit report is being reported as a charge-off on my Equifax report XXXX The account in question was included in the bankruptcy. Ive disputed the account a total of 4 times, each time getting the same result that information is being reported accurately. I have even contacted the creditor and provided a copy of my chapter XXXX petition that lists this particular account with no satisfaction.. The other XXXX credit bureaus are reporting this information correctly. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
All Im asking is to provide true and accurate information on MY credit report. This account was closed in XX/XX/XXXX and out of spite and revenge since I have disputed many times due to incorrect information, you update it to closed on XX/XX/XXXX since you know this will harm my score and it did tremendously! The balance owed is {$0.00}! Why should I have to dispute it a 4th time?! Why cant this company just do right the 1st time!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY

Complaint narrative:
My mortgage company XXXX XXXX XXXX XXXX. has not paid my county taxes. I have placed 7 phone calls to them to address the issue. 
I have placed 7 phone calls to Community loan servicing to address the issue on non payment on my county taxes. They at first argued with me by not acknowledging that it was county taxes and they kept referring to town taxes. I explained I have school taxes and city taxes that have been paid but not the county tax. I have faxed the tax lien to them at their request on XX/XX/XXXX. They promised to expedite the payment and that they would call to confirm. No payment and no call. On XXXX I again called and again explained the problem and was told they would send it to the tax department to " look into '' and that it would take about 2 weeks to address. I again called on XXXX and spoke to XXXX XXXX XXXX who asked me to email him the tax bill. He replied in writing that he had received it and that he would expedite it .He also stated that he would call or email me that confirmation it would be paid by XXXX. By XX/XX/XXXX I had still not heard back so I called again and spoke to " XXXX '' who stated that she would make it a priority to get this paid and that she would confirm by then end of the day. No payment made and no call made to explain the situation. My mortgage is paid on time every month and i have never missed a payment. there is no reason for them to not make this tax payment as there is enough in escrow to cover it. My taxes are being threatened to be sent to a tax lien at this point and I am just getting the same structured general response every time I call where they promise to take care of this within 2 weeks. Its now been 3 months and no action and each time I call I have to have the same conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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:
I have submitted several disputes with Experian and XXXX XXXX over the course of the past 60 days. Both agencies said that they were re-investigating the account in question ( XXXX XXXX XXXX XXXX ). XXXX investigated and removed the account, the other two said that it was accurate and verified which is a gross misrepresentation of the rules and regulations because they did not. I have highlighted and attached a copy of the inaccurate reporting. Experian deleted the account and as recently re-inserted account with no investigation. Please review and investigate their claim. 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 explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PlusFour, Inc
State: NV

Complaint narrative:
Plus Four Inc, is a collection agency that was hired by XXXX XXXX XXXX in XXXX XXXX, NV This company tends to manipulate the amount by increasing the amount of their claims every month for the purpose of negatively affecting the customers credit profile by lowering the scores. The claimed that I owed a {$100.00} and not it is {$120.00}, which was increased intentionally to affect my credit report Same company went ahead a posted an amount of {$770.00} on my, also posted a {$340.00} amount to show that I had paid down the amount and only owed the {$340.00} as of date. They refused to show proof of validation of the amounts of {$120.00} and {$770.00} and I request that they remove the entire accounts from my credit under the FCRA regulation of false statement to collect. This is an illegal tactic to collect, and should be deleted from all credit bureaus.

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 2020-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I went online last night to try and get assistance with our mortgage due to our hardship caused by covid saw they still showed me in bankruptcy so i uploaded my discharge. Called today XX/XX/2020 at approx XXXX XXXX spoke with XXXX he saw my discharge papers then call disconnected then called back at XXXX XXXX spoke with another gentleman transferred me to BK dept spoke with XXXX she said she saw discharge and i was in CH XXXX and i corrected her said, " never in a XXXX it was ALWAYS a CH XXXX '', she said they need to correct that but she said '', you have exhausted all your options anyways and we need to correct the issue which can take 30-60 days '', I told her I was never given options and she said I had a modifcation and I said yes it was years ago and now with covid we are having issues. She said there is nothing, I asked her about a forebearance and she declined said there is nothing to offer me. I told her I would not be paying my mortgage this month due to our hardship and she can get her stuff together and do what she needs to and i will too and hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: Conn's, Inc.
State: TX

Complaint narrative:
To whom it may concern : My name is XXXX XXXX XXXX and the reason I am writing is to inform you that I have been trying to get with XXXX, but am very upset for their lack of response and reporting. I have done every step they recommend on removing false accounts that are reporting and yet I'm still waiting waiting for a response. It has past 30 days multiple times and at this point, and still the issue has not been resolved. I still see that they are reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
To whom it may concern : My name is XXXX XXXX XXXX and the reason I am writing is to inform you that I have been trying to get with XX/XX/XXXX, but am very upset for their lack of response and reporting. I have done every step they recommend on removing false accounts that are reporting and yet I'm still waiting waiting for a response. It has past 30 days multiple times and at this point, and still the issue has not been resolved. I still see that they are reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Hillcrest Davidson & Associates
State: GA

Complaint narrative:
Hello, and I hope all is well. While reviewing the credit profile to XXXX/XXXX/XXXX, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. XXXX XXXX hired a third-party collection Hillcrest Davidson Agency to report an item on the credit profile. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.

Company response to consumer: Closed with explanation