vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-10 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: MI

Complaint narrative:
Experian refuse to conduct a proper investigation from my dispute, and delete account reporting by email XXXX/XXXX. 

The following are the reason ( s ) why XXXX/XXXX  should be deleted from reporting with Experian : This account is too old to collect and/or report an open and closed debt in the state of Michigan. Therefore, should be deleted.

Michigan Limitation of Actions For most collection actions, there is a specific period of time during which a creditor may pursue the collection of a debt. In Michigan, the filing of a breach of contract and/or open account action, for default of a credit card agreement, for example, must be done within the 6-year Statute of Limitations. MCL 600.5807 ( 8 ). The relevant date for determining when the six-year Statute of Limitations begins to run is the date of the last activity on the account, whether it be a purchase or a payment made. For a debt arising out of the sale of goods which is governed by the Uniform Commercial Code ( UCC ), a collection action must be commenced within 4 years after the cause of action has accrued. MCL 440.2725 ( 1 ). In the sales scenario, a cause of action occurs when the breach occurs, regardless of the aggrieved partys lack of knowledge of the breach. MCL440.2725 ( 2 ). Civil judgments in Michigan expire 10 years after the date of entry, but may be renewed for another 10-year term if a motion to renew judgment is filed and an order entered prior to its expiration date. MCL 600.5809 ( 3 ). In order to collect upon a judgment entered in another state, where the judgment-debtor is now living in Michigan, it is necessary to first domesticate the judgment in the appropriate Michigan court . A foreign judgment domesticated in Michigan is subject to the same 10-year date of expiration from the date of domestication, unless renewed by motion prior to its expiration date. MCL 691.1173.

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 2021-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX I came to find out that this company had breached my checking account & removed over {$2.00} in two separate transactions, all on XX/XX/XXXX. I immediately called the fraud department & reported this as a fraudulent charge. The report was taken & I was told to expect a follow up from my banking institution. I never received a follow up so I went back to my local branch so a representative could help me further. It was days later after my initial first call to report this illegal transaction, when my local branch representative was on the phone with a fraud specialist - thats when, & only then is when I was made aware that this same company had already breached my account in XXXX of this year .it was at this time that my representative from my branch asked the fraud department agent what was the necessary steps we needed to take. We where instructed to start a claim for the fraud charges that I discovered on XX/XX/XXXX & the fraud department agent said that she would fill out the case for the fraud charges that happened in XXXX, which she apparently did .The problem I have is that my banking institution has credited me for the fraud charges made on my account in XXXX, but is refusing to credit me for the fraud charges that happened on XXXX- all because of a technicality of the dates of when this fraudulent charges happened & when they where reported, never mind the FACT that my banking institution never once called or notified me of the fraudulent charges that happened in XXXX nor did they catch or report the fraud charges that happened in XX/XX/XXXX. I have been to my local branch on 3 separate times, totaling over 6 hours of wasted time & numerous hours on the phone trying to plead my case that this is FRAUD,- PLEASE HELP ME- this total disregard on my financial institutions part.

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 2021-11-10 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: V and H Portfolio
State: GA

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Back on XX/XX/XXXX, I had an overdraft fee charge of {$36.00} to my checking account. My understanding of the overdraft agreement with Suntrust bank was that if funds were insufficient Suntrust would simply decline payment, that I would only receive an overdraft charge to my account if I opted in to accept all charges to my account even if I was overdrawn. 

Truist bank purchased Suntrust bank and apparently their overdraft parameters are different from what I agreed to with Suntrust bank. Since XX/XX/XXXX, I have been charged with an abusive amount of overdraft fees ; 11 overdraft fees of {$36.00} totaling {$390.00} in less than 3 weeks ( attachment ) I called the customer service department at Truist explaining that I am unfamiliar with the overdraft policy of Truist, that I was still under the arrangement that I had agreed to with Suntrust. I asked for a courtesy refund of the fees that were triggered by the first overdraft on XX/XX/XXXX. The Truist representative declined.

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 2021-11-10 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: GA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means XXXX has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX  XXXX PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX PORTFOLIO RC ( Original Creditor : XXXX XXXX  XXXX  ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: FL

Complaint narrative:
Sometime is XX/XX/XXXX I was contacted by a representative who immediately asked me for my last 4 of my social, and told me they could not tell me what company they worked for and why they were calling unless I gave the last 4 of my social. I reluctantly gave my last 4 and then was told the representative worked for Enhanced Recovery Company, and were seeking to collect a debt of {$400.00} from a random address I had never lived in or been to. I stated that to the representative 3 separate times when she asked about the address and I had proof that I was residing in a completely different part of the county at the time. I told the representative that the account was fraudulent and needed to be removed from my credit report. Representative agreed that the account was fraudulent and that they would look into it and have it removed. Not a single call since then, but the company is reporting every month or other month to my credit report and it is effecting my score TREMENDOUSLY. This company did not have any of my information correct, had no social security number until I provided the last 4 digits, and told me it was going to be removed for being fraudulent. I want Enhanced Recovery Company removed from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
I had a loan with XXXX XXXX the last four digits of the loan account were XXXX. 

In review of my Experian Credit report I am seeing that XXXX has only made minimal entries that the Credit Bureau sees. 

1. - Only three entries for the Balance of the loan 2. Only two entries showing the scheduled payment amount 3. Only one entry showing an actual payment of {$520.00}. 

I would like these entries to be corrected and complete for the time I had the loan with XXXX until I paid it off.

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 2021-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
i have had several issues with coinbase, they don't have ANY customer support and make it impossible to resolve issues and problems. i made a 4 figure transaction on coinbase this morning that never arrived, and i have NO WAY of getting support from them. How is this MAJOR financial institution allowed to operate without ANY customer support?????

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
I have requested and extension for my Foreberance plan because I have been impacted under the Covid 19 and SPS continues to harass me sending me threaten letters call me all times of the night and refused to acknowledge my right to request and extenson under President Biden Cares Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: NH

Complaint narrative:
Reporting a collection agency that has been calling me repeatedly this week. I was called twice today ( XX/XX/XXXX ), twice XX/XX/XXXX, twice XX/XX/XXXX, and twice XX/XX/XXXX. I used to work for a collection agency so I know that goes against a few regulations. They have called from multiple numbers with the XXXX code, says it's coming from XXXX. The name of the agency is CBE Group.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: DE

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/21 I started receiving notices from other merchants that my card was declining prescheduled monthly charges. Upon inquiry with XXXX Bank on XX/XX/21 I was told that the card was frozen because of non-payment on the balance. The next due payment date was XX/XX/21. I have an excellent credit rating, have had typical balances of {$3200.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-10 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: SC

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I had written in previously and failed to complete the entire picture of what occurred therefore I am resending this. My account was set on autopay and when the lease expired on XX/XX/2021 I reached out to Honda for a payoff letter since I wanted to purchase the vehicle. The representative informed me that I should not worry about making any payments since I will be purchasing the car. It took them very long to produce the document as soon as I got the payoff statement I made the payment. I also reached out several times to check on the payoff status. I was informed that due to covid things are taking longer but should not worry. 

I would also like to point out inaccurate data which you are reporting to the credit bureaus. 
1. Balance Owed is reporting 2. A past due amount is reporting 3. Payment status is not accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
Hello I have spoken with SPS and informed them I am selling the property and I am impacted under the Covid 19 and requested and extension on my Forberance and I have been making my Forberance payments every month. 

Instead SPS sends me threatening lets and have not ignored my request and communication and continued to harrassed me when I am trying to get support and SPS sends me threatning correspondences. Calls me all times of the night and day and I am already sick.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 
SANTANDER XXXX Date opened XX/XX/2015 Balance {$0.00} XXXX  ( XXXX ) SANTANDER XXXX XXXX XXXX Date opened XX/XX/2015 Balance {$0.00} XXXX ( XXXX ) SANTANDER CONSUMER USA XXXX XXXX opened XX/XX/2015 Balance {$0.00} XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I purchased round trip tickets from XXXX XXXX via my Capital One credit card in the amount of {$170.00}. However, I had a dispute with this transaction after several incidents. Capital One took my dispute and adjusted the billing initially. When the merchant XXXX XXXX responded to the claim, Capital One adjusted the billing back to my account. I responded to the merchant 's response with my attorney 's letter and several documents. Capital One then closed my dispute and stated " can not assist '' for the reason that I didn't submit any response or required documentation on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
I went to emergency room out of town in XXXX XXXX XXXX XX/XX/2021 to XXXXXXXX XXXX my insurance XXXX XXXX XXXX XXXX will pay the claim and have blue cross contacted them re this. But they turned my account over for collections to Wakefield and associates of tn and they are reporting on my credit report that I owe XXXX dollars so Wakefield and associates don't care I don't owe XXXX when they file the claim it may be like XXXX please have this removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I tried to use my Venmo account and found out it was frozen. I contacted Venmo customer support and they said my account was frozen so they could verify my identity. 

They then stated that I would need to send a photo of my government ID with no information redacted and a selfie of me holding my ID. They said to make sure it wasn't a photo copy but an actual photo. 
When I told them that I was worried about identity theft and didn't want to share my government ID that stated that was the only way to unfreeze my account. 

I asked them why they couldn't use my phone number, address or email ( or a combination } to verify my identity. Instead of answering they just stated that without I photo ID my account would stay frozen. 

I then asked about the funds I had in my account and they said they were frozen also until I produced a photo ID. 

The bottom line is that without risking ID theft my account is frozen and I can't get my funds back. The amount of funds is about {$69.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation