vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Viking Client Services
State: RI

Complaint narrative:
Got in a multi-car accidence on a rental ; the other party is at fault. My insurance company issued all required payments to the car rental company to settle any claim against me, and informed the car rental 's representative agency and subsequently the debt collector, Viking Client Services, in written response that they should stop contacting me on this matter. Received a letter from the collection agency dated XX/XX/2020 offers to settle a {$1300.00} debt that they knew I do not own. I truly believe the debt collector is acting in bad faith to scare me to pay them on something that they are well aware that I do not own or entitle to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Re : American Express Bluebird prepaid debit cards Beginning around XX/XX/2020 people started finding themselves locked out of their accounts online and via the Bluebird app. Calling the one customer service number ( XXXX ) only gets you a recording and hours on hold with no one picking up. Ever. There is no email address. American Express will only refer you to this number or Serve at XXXX, another number which no one answers. 

JUST TO EMPHASIZE HERE, CONSUMERS HAVE BEEN UNABLE TO ACCESS THEIR OWN MONEY FOR 3 WEEKS WITH NO EXPLANATION WHATSOEVER FROM AMEX, XXXX, SERVE, OR ANYONE ELSE. THIS IS AMERICA. THIS IS UNACCEPTABLE AND CRIMINAL. 

These are prepaid debit cards onto which consumers can have funds directly deposited. For example, I had my employer deposit a small portion of each paycheck to my card, which I used for gas. But some people may have their whole paycheck deposited to it, or their unemployment, stimulus money, or tax refund. NONE of which is now accessible. American Express claims they have nothing to do with the debit cards that are emblazoned with THEIR name and logo. XXXX is the company Amex sold this division to : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-05-05 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: NC

Complaint narrative:
I disputed a public reporting with Experian which was 2 bankruptcy filings that shows dismissed. I was told that the information reporting came from XXXX XXXX. I contacted XXXX XXXX and initiated a dispute in which they came back and deleted the reporting from my files. I received an updated report from XXXX XXXX along with information about why they deleted. I then forwarded this information to Experian for them to review and update my file and delete their public reporting to match XXXX XXXX. Experian refuses to update my file and claims that XXXX XXXX validated the reporting which is not true, because I spoken with XXXX XXXX and received a new file from them showing NO BANKRUPTCY reportings. 
XXXX XXXX update reporting came to me on XX/XX/2020 Experian finalized their " investigation '' for my dispute and updated me with NO changes on XX/XX/2020.

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 2020-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
There is damaging and inaccurate information about me posted on the credit reporting agencies XXXX  as well as XXXX, from a company called Transworld Sys Inc. I repeatedly disputed the information, this company insists its accurate, yet has not provided me with any evidence that I owe this bill. I've never received any Bills from anyone that I'm aware of. They have not provided a shred of validated or verified evidence that I owe this bill, but yet continue to illegally report it. I just received an email from XXXX  saying that the company ( Transworld Sys Inc ) has certified to XXXX   that the information is accurate, and that the damaging item will remain on my report. I want proof!! No one has provided proof. This is a sham!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: NY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2020-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: KEYCORP
State: NY

Complaint narrative:
I am trying to obtain relief due to the pandemic. We are one month behind and my husband is now out of work. I am very concerned as we are nearing the end of the loan term and can not make a payment this month. 

I tried to request an extension but the hold times are unbearable as I am working from home with XXXX small kids. Please help us obtain an extension and the available protections due to COVID. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I had a payment taken out of my checking account on XX/XX/XXXX in the amount of {$340.00} by Wells Fargo for my student with loan with them. I never authorized this payment, nor was it needed. My account was current, and the next payment due date wasn't for another month. When I contacted Wells Fargo, they denied that a payment was being processed. They still have responded to my requests the payment be canceled or returned, as again, I did not authorize it and it was not needed. I do find the most troubling part, that Wells Fargo has denied this payment was happening. It clearly shows the payment posted on XX/XX/XXXX, on both my WellsFargo.com account, and with the bank that my checking account is with.

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 monetary relief
Consumer complaint received 2020-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I paid off the balance owed and my credit card has a {$500.00} credit limit rather it going back to the credit card limit its showing the balance of {$490.00} I been paid off the balance i sent capitol one {$150.00} and then {$170.00} someone is not calculating the balance correctly because one minute its showing the balance is {$170.00} I paid the {$170.00} then the next minute its showing a balance of {$150.00} I paid the {$150.00} and then it was showing a balance of {$120.00} I paid the balance now its saying I owe {$7.00} needs to be paid some reason this balance is not being calculated correctly whatsoever I tried calling them and they're saying its too many callers I need for you all to look into this account because they are not doing right by me in regards to this credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I have been unable to check my balance, pay for anything at stores, login to my account online or through the mobile app, go to an atm and pull money out all since XX/XX/01 for my american express serve card. When i try to login it says my password is wrong so i try to reset my password and it tells me that there was an error due to 10 mins of inactivity and can't log me in. Then when i try to call the card to get information it says my social can not be recognized so it has me enter my card number then says it can't locate and its transferring me to a customer service agent and i am only for hours upon hours just to be hung up on and not able to speak to anyone. I have a lot of money saved into this account. I chose this card as an option when doing my taxes because i was able to get my funds faster. I can not check my balance to know if my money has even been stolen or not or to see if transactions have been made and there has been no mention of it from american express no emails nothing on there website that is it. I am so afraid that my money got stolen and now i wont get it back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-05 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:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 
The tradeline listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 
In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me.

STUDENT LOAN CREDITORS : XXXX XXXX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
yesterday, XX/XX/20, I spoke with an agent that advised me that " written notice/Verification notice '' was mailed to an address that i have not lived at for 2 years. I advised wrong address and requested validation of two debts. I found out about these accounts because i got an alert on my credit score app. After reviewing my disputes again, I noticed the Agent only  Disputed/requested Validation for 1 out of 2 accounts. When i try to call back i am sent to voicemail. On my credit report it shows two different collection companies " Debt recovery solutions , llc '' and " XXXX XXXX XXXX '' but when i spoke to Debt recovery solutions, they advised they had both accounts. XXXX XXXX XXXX is collecting {$120.00} and Debt recovery solutions is collecting {$1600.00} but i have never been contacted ( no called or mail ) in regards to this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: Massachusetts Educational Financing Authority
State: MA

Complaint narrative:
Hi, please help me with my concern. I saw XXXX/MEFA on my credit report and I have late payments in my payment history, but they did not send any proof to me ... I repeatedly asked for it because I don't remember being late on this. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NJ

Complaint narrative:
MyFedLoan was my loan servicer up until recently. I have refinanced. 

In XX/XX/XXXX, the interest on my loans capitalized because ( the company claims ) that I did not submit timely income verification documents. The total loan balance increased from about XXXX ( and change ) to about XXXX ( and change ). After months of fighting, MyFedLoan admitted that the capitalization was in error. According to the company, the capitalization was " reversed '' in XXXX of XXXX, and ( allegedly ) backdated to the date of capitalization. 

For the last few months, I have been trying to verify how that capitalization was applied to my account. I have spoken with representatives as recently as XX/XX/XXXX and XX/XX/XXXX. This has been going on for months, and no one has been able to show me HOW the capitalization reversal was applied despite numerous requests. I am only told that the capitalization was reversed and applied. However, the balance of my loan was NEVER decreased to reflect that capitalization ( except to reflect payments I made myself ). Nonetheless, I continued to make on-time payments. I have never missed a payment while a MyFedLoan customer. 

In addition to the capitalization problem, I recently discovered that the interest on every single one of my loans ( subsidized and unsubsidized ) increased from XX/XX/XXXX to XX/XX/XXXX. Ironically, this is the same time period that the company claims that the interest capitalization was reversed. For example, two of the loans ' interest increased from {$65.00} to {$450.00}, and from {$76.00} to {$520.00}, respectively. Something is clearly wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-05 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: GA

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 
The tradeline listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 
In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : XXXX XXXX ACCOUNT 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