vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
I have received repeated phone calls and messages from Comenity Capital Bank ; sometimes identifying themselves as being from this vendor, sometimes not. They are contacting me regarding my sister-in-law 's ( my husband 's sister ) account and I am unaware of how they got my information considering I have very limited contact with her already and am not connected to any of her finances. They threaten action and timeliness and have contacted me using different numbers despite me blocking their calls. 

They have called me from XXXX on XX/XX/XXXX at XXXX and at XXXX in addition to other numbers and times. 

I am verified on the do not call registry since XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
A few years ago i submitted my information to affirm. On XX/XX/XXXX i tried to open an account snd their system says i already have an account. When i contacted support they said they were unable to update any of my information if i dont remember or have access to my old cell phone number. 

At this point i just want my information deleted from their database. 
I never received a loan and since i cant access the account someone else may have access.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX is reporting late payments to credit bureaus for my social security number. my account ( XXXX ) is set as auto pay, but payment did not process on time for unknown reason. at last with the help of XXXX XXXX XXXX, same information was re entered. and payment was made. 
Wait is extremely long for calls and messaging. I am not even able to submit complaint to XXXX XXXX ( copy attached ) I did try to call prior to XX/XX/2021 to resolve the issue, but could not hold phone line for hours. my late fee was removed. and I was assured by XXXX XXXX XXXX that account will show timely payments. but today I received a notice from credit monitoring service that late payments are reported by XXXX XXXX. I think its very unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: Oklahoma Student Loan Authority
State: TN

Complaint narrative:
I have four accounts with Oklahoma Student Loan Authority. All four of my accounts were in partial family hardship/ income based with a payment of {$0.00} each month which was set to renew or expire XX/XX/2021. I submited my student loan discharge paperwork to Oklahoma Student Loan Authority ( OSLA ) on approximately XXXX XX/XX/2021. Since then, OSLA has continued to report my 4 accounts with them as past due. The accounts also went to collections all during the time the accounts were in partial hardship with an income based repayment of {$0.00}. The accounts were falsely reported as 120 days past due to all three credit bureaus. I have made numerous calls and sent an email for an attempt to bring a fair remedy. On the phone I spoke with several different OSLA representatives ; all of which told me a different story and blamed each of the credit reporting bureaus for the false information report to all four of my OSLA accounts. 

As of today XX/XX/2021 My student loans have all been rightfully discharged with OSLA except {$.00}. My last call to OSLA was on XX/XX/2021 at XXXX where I was assured the false credit reporting was corrected. To this day of XX/XX/2021 the false reporting of my account being 120 days past due payment information is still on my credit reports and have caused my credit score to drop 160 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Vehicle loan or lease — Lease
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: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
gm financial is reporting late payments on my account XXXX my account is set as auto pay. copy of confirmation of auto pay was provided to gm financial advisor. in early XXXX XXXX with the help of gm financial advisor same information was re entered and payments were made. late payments fee were removed and i was assured that account will reflect timely payments. now today ( XX/XX/2021 ) i am informed by XXXX  that late payment is reported. 
i think it is very unfair. I take my financial obligations very seriously. I am currently leasing two XXXX XXXX. i love driving gm products. gm financial please remove negative information reported incorrectly. Many Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of Identity Theft, I have submitted a dispute to block the fraudulent accounts and inquiries, yet despite sending my supporting information directly to Experian according to FCRA, sec605b I have not been able to resolve the issue of the reported items that are fraudulent. I would like an immediate block on all specified items, in my law enforcement statement according to the aforementioned congressional act.

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 2021-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I sent many letters of debt validation stating to validate the debt pursuant to 15 USC 1692g. However I received no response but more statements with incorrect amounts which are violations of consumer protection under 15 USC 1692c ( A ) when this account should be an open-end credit plan pursuant to 15 USC 1602j. With Wells Fargo not validating the debt, they now are sending me false figures and representations pursuant to 15 USC 1692f ( 1 ), 15 USC 1692e ( 2 ) A as well as violating other numerous federal laws. I have provided the erroneous billing statement along with the billing errors and false misrepresentation of this alleged debt.

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 2021-08-23 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: CCS Financial Services, Inc.
State: NY

Complaint narrative:
Credit Collection/XXXX  XXXX is reporting a fraud account on my credit I dont know what this account is and I dont recognize the doctor affiiliated with this company. Please remove this account from my credit XXXX is a fraud account. I never opened this account nor did I use this account. 
Please see the attached FTC report and my driver license and remove this account from my credit

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX reported to the consumers reporting agencies for an unpaid account three years ago and that account is now paid in the full amount. 
XXXX XXXX credit company, XXXX, and Transunion credit reporting agencies are refused to remove/delete the fully paid & closed account from my credit report history. 
Paid Date : XX/XX/2021 Amount Paid : {$69.00} Payment Confirmation Number : XXXX Paid Date : XX/XX/2021 Amount Paid : {$99.00} Payment Confirmation Number : 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 2021-08-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX  reported to the consumers reporting agencies for an unpaid account three years ago and that account is now paid in the full amount. 
XXXX XXXX credit company, Experian, and XXXX  credit reporting agencies are refused to remove/delete the fully paid & closed account from my credit report history. 
Paid Date : XX/XX/2021 Amount Paid : {$69.00} Payment Confirmation Number : XXXX Paid Date : XX/XX/2021 Amount Paid : {$99.00} Payment Confirmation Number : 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 2021-08-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
Hi, I had a 3-month lease through XXXX XXXX, starting in XXXX of XXXX and ending in XXXX of XXXX. I was over the allowed mileage limit by the end of the lease and started to look around for my options. 

I was referred to a leasing company ( broker ) to see if they can help me end the lease without paying too much for the over mileage. They said they can help me as long as I lease a new XXXX automobile through them. I leased a new car through them, took delivery of it on XXXX XXXX XXXX, and turned in my old car to them. 

Turned out, the leasing broker wasn't on the up and up, and instead of returning my car right away, he held onto it for some reason. XXXX kept on calling me and saying I was past due on my payments, and I assumed they were talking about the car not being returned. I told them what happened and XXXX XXXX and I kept on chasing this broker to get the car returned, so I could make my final payments and be done with it all. 

This went on for a few months, of XXXX XXXX and I chasing the broker. 
He actually blocked my phone number so I couldn't get through to him. I went down to his house and office to find the car, but it wasn't there. I tried to go to his office to speak to him and was refused entry. I finally went around to XXXX dealerships near me, checked their parking lots, and found it hidden in the back. I had the manager of the dealership get through to the broker to have him return the keys. ( this still took the broker a few days of the manager calling, for him to return the keys ) Unbeknownst to me the entire time, XXXX XXXX wasn't calling about the car being returned. They actually went ahead and extended my lease without me signing any documents, and were calling about my monthly payments. They never, never mentioned that. Every single time they called me, they said I was late on my payments, I would tell them I was still trying to get the broker to return the car, and that was it. They never said anything about extending the lease, and the monthly payments. 

So they just went ahead and reported my account late to the credit bureaus. This has hurt my credit and my fathers ' credit since he co-signed for me on the lease. My brother wanted to buy a house and needed my father to co-sign, but he couldn't because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: IL

Complaint narrative:
Dont understand how this Account XXXX XXXX appeared on my credit report as a charge off when the account isnt mine. No proof according the FCRA was sent to me for verification. 
I disputed and they took no action

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 2021-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: BAM Management US Holdings Inc.
State: KS

Complaint narrative:
I sent XXXX  from XXXX XXXX to Binance US on XXXX at XXXXXXXX XXXX The transfer successfully left XXXX XXXX but has yet to show in the Binance US account that I have. I have sent an email and received a support ticket and have yet to hear from Binance US. I have confirmed with XXXX XXXX that the funds left my account with them and confirmed that I used the correct address with Binance US. 

In reading through forums of complaints on similar issues it seems that Binance US is predatory in not assisting with issues of this matter, locking up customers funds indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2021 my husband XXXX XXXX - who is also on my credit card account ending in XXXX - submitted a complaint to the CFPB because Chase Bank was harrassing us with phone calls trying to collect a debt which they believe is owed to them. 

The company, Chase Bank, responded to the complaint on XX/XX/2021 and their response closed the complaint. However, they lied twice in their response to the complaint. The first lie they made was when they stated they did not receive the letter sent certified mail to XXXX XXXX even though I have proof that the letter was received. The second lie they made was when they stated they sent a letter dated XX/XX/2021 advising me of a settlement offer. I never received this letter and when I sent a second certified letter to Chase Bank on XX/XX/2021, I received a reply from them re-stating the lie they made in my husband 's complaint - that they mailed a settlement offer to me on XX/XX/2021. I never received their letter. They also refused to mail me an updated settlement offer so they are continuing to refuse my offers to settle to debt and instead are choosing to hold my credit rating XXXX while they lie to me repeatedly by stating that I did not respond to their settlement offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Charge was made on my credit card for {$620.00} by XXXX on XXXX, I noticed the charge immediately called on XX/XX/21 my credit card company, they removed the charge and issued me a new card. 53 days later on XX/XX/21 I get a notice dated XX/XX/21 that an investigation was done by my credit card company ( Barclays ) and the charge was deemed to be legit. I immediately called them and they stated the vendor was able to verify my email address. I was like are you kidding, that was enough for you to agree I made a purchase from these people? No proof of purchase, download or receipt, nothing. So I reached out to the vendor, who uses a third party to process orders, I asked them to reach out to their third party to confirm I never downloaded or received any goods from them. So far no response from the vendor, whom doesn't answer any complaints by phone, so all communication has been through email. Barclays wants to hold me accountable which is crazy and this vendor isn't going to admit fraud, so I'm at a total loss. Please help.

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 2021-08-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
XX/XX/2021 age of account a year and four months from speedy cash can debt collectors have been contacting me they woke me up while I was sleeping they call me at night time when I was trying to put my little girl to bed and they keep harassing me about money from four years ago or more Also the time that they said I had the loan I was incarcerated And theyre saying that it was a year and four months ago which is IncorrectAnd they put the account with the negative pay status and its messing with my credit that Im working so hard trying to build up so I can be able to afford a better place for My little girl and I to move to

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: PRESTIGE FINANCIAL SERVICES INC
State: MI

Complaint narrative:
Account is with Prestige Financial. Account was charged off and closed on XX/XX/2019 per XXXX  with balance of {$17000.00}. I have made no payments to this creditor since. Again, charged off and CLOSED. Recently. Prestige ( only with XXXX ) re-opened this account and is reporting missed payments monthly and my balance has gone up to {$25000.00}. This month this balance showed up in my open accounts and dropped my score by 67 points. Am I wrong that reopening an account by the original creditor that has been charged off is FRAUD?? How can the balance keep going up when they charged the debt off?? Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have called so many times, I faxed and mailed equifax and I mailed Experian and neither company updates my account with my correct address that I have had since forever. I dont even know how my address got taken off my report or how an incorrect address was put on it. Im so tired of not being able to get my credit reports bc of these two companies. This has been ongoing since the beginning of last year and it shouldnt take this XXXX long for them to update my report.

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 2021-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diaz & Associates, Inc.
State: NJ

Complaint narrative:
Ok so back in XXXX my identity was stolen when I lived in va. I made a police report. Let credit bureaus know what happened. I thought that fixed anything that would arise. I kept getting bills from XXXX saying I owed money. I called them and explained what happened. They wanted me to send them a copy of the police report and I did. So I was told it would be taken care of. XX/XX/XXXX I get a letter in the mail from diaz and associates  saying I owe XXXX  money! So I called them. They claimed they couldn't locate my file. So they dismissed it. Never got another letter til today. XX/XX/XXXX. This debt has never once been on my credit report. I've talked to XXXX  and they say I owe them nothing. But these debt collection companies say I owe money. I know that I don't. Someone used my social security number to order stuff from XXXX and it wasn't me. I shouldn't have to pay a debt that isn't mine. My credit is excellent. I have no missed payments on my credit cards. Why would I mess that up?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: DISCOVER BANK
State: NY

Complaint narrative:
I have these accounts that are not mine and i want them to be removed from my credit report. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation