vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-11 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: CA

Complaint narrative:
I have a car loan from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XX/XX/XXXX and XX/XX/XXXX. There was an error on their part. I was never 30 days late twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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:
I have a car loan from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XX/XX/XXXX and XX/XX/XXXX. There was an error on their part. I was never 30 days late twice.

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 2020-05-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: CA

Complaint narrative:
I am not able to pay the monthly payment because of Covid-19.  Sallie Mae is refuting to process my deferment request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: Integrity Asset Partners, Ltd.
State: WI

Complaint narrative:
The debt was taken care of with the property management Integrity Asset XXXX of XXXX XXXX Texas in XX/XX/2018 and a legal contract was signed stating no debt is owed. Well the property managers never updated the information and my account was picked up by XXXX collection agency. I called XXXX and told that debt was paid and they contacted the company it took XXXX 2 months to update to my information to state I do not owe any money to either Integrity Asset XXXX or XXXX. But Credit bureaus wont update my status to reflect that no balance is due and it still remains as a valid debt status. Please assist in removing.

Company response to consumer: Untimely response
Consumer complaint received 2020-05-11 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: WI

Complaint narrative:
The debt was taken care of with the property management XXXX XXXX XXXX of XXXX XXXX Texas in XX/XX/XXXX and a legal contract was signed stating no debt is owed. Well the property managers never updated the information and my account was picked up by XXXX collection agency. I called XXXX and told that debt was paid and they contacted the company it took XXXX 2 months to update to my information to state I do not owe any money to either XXXX XXXX XXXX or XXXX. But Credit bureaus wont update my status to reflect that no balance is due and it still remains as a valid debt status. Please assist in removing.

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 2020-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I had the Citi American Airlines AAdvantage Executive Mastercard. The charge for the annual fee, in the amount of  {$450.00}, posted to my account on XX/XX/XXXX. On XX/XX/XXXX, I paid the balance of the statement, which was the charge for the annual fee. On XX/XX/XXXX, American Airlines closed all XXXX XXXX locations. This is the distinguishing benefit of this credit card. On XX/XX/XXXX, I contacted Citi to inquire about a credit to my account due to the XXXX XXXX closures. At that time, I was told by the representative that no credit was being offered. I was enticed to keep my card open, as there would be positive changes to be announced in the near future. 

On XX/XX/XXXX, I read online that Citi would be offering a {$220.00} credit to card holders. However, there were two stipulations : 1. This applies to those who had an open account as of XX/XX/XXXX. 
2. The one-time {$220.00} credit will be issued when the account was renewed. 
This information was released on approximately XX/XX/XXXX. However, I did not receive an email from Citi, nor was there any form of communication by Citi to me. 

On XX/XX/XXXX, I contacted Citi to ask for the {$220.00} credit to be applied, as my annual fee was applied in XXXX, two months prior. However, I was told this could not be done and that the credit would be applied in XX/XX/XXXX! There was nothing that they could do until next year. I feel that this is unacceptable. I had paid the annual fee in XXXX, and one of the primary benefits of the card is not accessible. And they would not be able to issue a credit to my account for 10 months!? I then told the Citi representative that I wished to cancel my credit card. However, no portion of my annual fee would be returned. There would not be a pro-rated refund. I am incredulous at this. Canceling my account on XX/XX/XXXX, means that for 9+ months, I will not be using this card. For Citi to keep the entirety of my annual fee is not just.

Please look into this issue and help me to resolve 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 2020-05-11 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: MN

Complaint narrative:
Im receiving letters and phone calls of harassment, profane and abusive language, death threats and threats of being sent to jail and prison from XXXX XXXX Representatives in regards to a debt for {$84.00} from XXXX. The debt and account is not my debt or account. The account and debt is due to identity theft. XXXX XXXX  is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ).

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 2020-05-11 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: MN

Complaint narrative:
Im receiving letters and phone calls of harassment, profane and abusive language, death threats and threats of being sent to jail and prison from XXXX XXXX Representatives in regards to a debt for {$84.00} from XXXX. The debt and account is not my debt or account. The account and debt is due to identity theft. XXXX XXXX  is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Midwest Recovery Systems
State: LA

Complaint narrative:
I checked my credit report and noticed that Midwest Recovery is on my credit report. I obtained their number from conducting research. I also obtained their address from the XXXX XXXX XXXX as it is as follows : XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX. I have disputed this debt in the past. It appears that this company has modified the date to XX/XX/2020 as if I opened a Payday Loan on this day. I have no reason to get a Payday Loan. I have no financial need for a Payday loan. 

If you go to XXXX  website or to XXXX period, you will see that this company has some illegal business practices going on and appear to be conducting business in a " sketchy manner '' to say the least. This is not my debt. I did not get a Payday loan on XX/XX/2020. 

Also, for future references, how long can a debt stay on your credit profile? Can a company purchase debt that is over 7 years old?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: FC HoldCo LLC
State: AZ

Complaint narrative:
The company calls at least 5 times a day and now is calling my daughter daily. They tell her in the phone that they know she is my daughter. They also have started calling my son in laws phone daily and he wasnt even a reference. We are unsure how they got his number. 
We block the number and they call from another number. 
I have a lawyer and bankruptcy paperwork is in the final stages. I am on the back half of my loan so all interest has been paid. 

Company is Flagship Financing..

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 2020-05-11 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: WA

Complaint narrative:
I submitted a complaint about my forever decreasing credit score.. and the investigation is now well over 30 days and still no response from Equifax. Thanks kindly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I took out A car loan for American Credit Acceptance and made my payments to the best of my ability. Shortly after the vehicle begin to fail and give me continuous problems which caused me finacial hardship. I contacted the company several times advising them I didnt have the vehicle due to the motor going out after only having the vehicle two years. An agent advised me I could settle the account for A reduced amount and they would give me 60 days. I agreed & have since paid the settlement in full as they requested XXXX & the l ok an is still showing open and active. I was advised it can take 3p days to update with the credit B. However on the report it reflects 90 days past due as of today. Meaning when I agreed to the settlement in XXXX they where still falsely reporting the account delinquent. They informed me I had 60 days to pay settlement but during those days still reported me late. I have reached out and nobody has been able to assist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
I have reached out to this company many times to get this credit reporting corrected. I have noticed their is A company by the name of waypoint resource group reporting that I owe them A balance of XXXX on behalf of XXXX. I have never had XXXX service & I have never done any sort of business with way point resource group. I reached out to the company requested A copy of original contracts showing I entered an agreement with my signature. I have yet to recieve proof of owning this debt. Instead they have been reporting this misinformation for some time of my report. I've also tried reaching out to XXXX who information me because they sold the debt to this company they could not do anything about my concerns. I explained to them this was A fraud account and again I have never had XXXX nor have I entered a legal binding agreement with them nor way point resource group. Still they report this fraudulent account knowing it is misinformation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have auto pay though my bank for my Capital One credit card payment to pay on the first of the month. The credit card company posts it every month after the due date almost two weeks after they received the payment and then charges me a late fee.my payment is due in the seventh today is the eleventh and still not posted. I will now get collection calls but they have the payment. I have tried to resolve either them they say its my bank, my bank says its them and I am the one stuck in the middle. 
Please advise Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-11 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: NC

Complaint narrative:
I disputed a public reporting with Transunion and XXXX  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 Transunion and XXXX  for them to review and update my file and delete their public reporting to match XXXX XXXX. Transunion and XXXX  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 Transunion responded to my dispute with no investigation XX/XX/2020 and XXXX  response is dated 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 2020-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
On XX/XX/XXXX I purchased a bike online using Paypal as my payment processor. The company I ordered from has been using Paypal for fraudulent transactions. They promise merchandise which they don't have or can't fulfill at the prices offered. Paypal sends them the payments and allows them to continue to do business even though there are numerous complaints. When you question the status of your order the company sends you a fraudulent tracking number for a different person at a different address. Upon reporting this to Paypal they deny your claim stating that they have received the delivery tracking information from the company. I have filed a complaint with the Alabama attorney general for the company which posted the bike. On researching the company I have found hundreds of complaints with the same scenario all processed through Paypal. Some have been successful in having their money returned, but many of us have not. I have opened an appeal of my denial with them but am still waiting to hear from them. Their business model is to protect people from this type of fraudulent transaction but they apparently are not following through. Please investigate as to why they are allowing a company to continue to process orders and payments when they are aware of the numerous fraudulent transactions. Thank you. 
Companies involved : Paypal XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX AL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I mailed a formal dispute letter to Experian on XX/XX/2020. I have gotten NO response back from Experian regarding these disputes, NONE.

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 2020-05-11 00:00:00
Product: Credit card or prepaid card — Store credit 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: STERLING JEWELERS, INC.
State: MD

Complaint narrative:
I opened an with Kay Jewelers on XX/XX/XXXX with a limit of {$750.00}. The account was paid off and closed at my request in XXXX of XXXX. On XX/XX/XXXX at approximately XXXX @ XXXX  XXXX XXXX  in XXXX XXXX South Carolina I went in and opened another account. The manager of that store also told me that I no longer had an account and I would have to re-apply. I reapplied and received a limit this time of {$1000.00}. I spent {$560.00}. XXXX of the {$1000.00}. The first mistake is XXXX never sent me a bill to make my first payment. The second mistake is that I went into the XXXX @ XXXX XXXX in XXXX XXXX Maryland on XX/XX/XXXX and bought {$200.00} dollars worth of jewelry and then got a bill from two different credit card company saying that they were kay jewelers which was XXXX XXXX, and XXXX XXXX XXXX. When calling both companies, I was told that I had to pay them both, but it was impossible because I used the XXXX account # that XXXX XXXX   gave. So I disputed, there was no previous XXXX account on my credit report and according to XXXX XXXX, all in store cards were sold, and didn't report and mine was a in store card and a account that had been paid off and closed out before. As soon as I made noise and disputed with both companies, no one knew what I was speaking account so I reported both accounts as fraud. I have no problem paying what I owe but will only pay what I owe. A supervisor from kay jewelers called and let me know that they would start and investigation in to the account andn let me know the account but in the mean time, halt everything, so I haled payments. The other company told me the same thing. XXXX swears this account was opened i XXXX of XXXX, when it was opened in XXXX of XXXX, they are reporting 10 missed payments, and XXXX  is reporting 5 missed payments, I never missed anything becuase no one could figure out what was going on, it was XXXX XXXX issue putting me on 2 different accounts, not mine, This issue went on for months, and we finallly resolved it with XXXX XXXX and paid what was past due. But instead of taking the lates off because of the fraud issue as they prmised, they put more on there and decreased my limit to XXXX. My credit is important to me, and these lates are bring my score down drastically because they had 2 finance companies and though no one would figure it out. I need the late pays for both companies taken off of my report please.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I disputed a public reporting with XXXX  and Equifax 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 XXXX  and Equifax for them to review and update my file and delete their public reporting to match XXXX XXXX. XXXX  and Equifax 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 XXXX   responded to my dispute with no investigation XX/XX/2020 and Equifax response is dated XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
An account was fraudulently opened with XXXX  by an identity thief and the debt was turned over to Ad Astra debt collection services and the collection agency will not remove the account from my credit report despite me filing a police report, providing the name of the assailant and signing an affidavit that the debt is not mine.

Company response to consumer: Closed with explanation