vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
Caller contacted me around XXXX CST on Friday XX/XX/XXXX. Said he was from a collection agency. Had my name and location of clinic I went to in XX/XX/XXXX. I went there for an ER visit and filed with both the Department of Labor and Department of Veterans Affairs to cover the costs. But caller said I owe around {$2000.00} in medical bills. He said he would help me by reducing it to about {$1700.00} if I paid during the call. I told him I should not owe anything since I filed the ER visit as work-related, which covers me as a federal employee. And should also be covered by the VA since I am also a military veteran. The caller said I can call him back after verifying with the DOL/VA. He gave me the phone number XXXX to call back. The phone number is associated with United Collection Bureau, but also with numerous complaints of harassment and scams after searching on the Internet. And even if this was legitimate, why am I being contacted over 4 months after my ER visit?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have an open account in collections with LVNV funding ( original creditor is XXXX XXXX XXXX ) I have not opened an account with them and do not know where this has came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/2020 my bill did not go through account with missed payment. I am kindly requesting COMENITY BANK/VCTRSSEC to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Within in the past 5 months I have done everything in my power to get the inaccuracies on my credit report removed. Luckily I was able to get this account removed completely from one credit Bureau ( XXXX ) but have had no response for the other 2 Bureaus or Creditor. Can you please help me get this inaccurate information removed from my Credit 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 explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I was a victim of fraud. A person posted an ad on XXXX XXXX and stated that he can not show the rental property listed due to social distancing and COVID restrictions. He asked for first month rent and one month deposit to be transferred to a XXXX XXXX account ... I followed his directions but when the day to receive the key came he disappeared. Afterwards I googled his name and found others who fell for this scam. The issue is that when I called BOA and asked to retrieve the wire transfer they did not act quickly and only on the 45th Buisness day after my call which is the upper limit allowed did they issue a letter stating that the account it was forwarded to is closed. BANK OF America did not act quickly and more then that they should have alerted the XXXX XXXX that the holder of the account to which I transferred money is a scammer who keeps scamming others on a regular basis advertising apartments for rent throughout the US. Instead of being ProActive and working on flagging the account and warning others Bank Of America was placid and responded only on the last day they are officially obligated to respond this despite me calling them 5 different times and being promised that someone will respond today. Its as if BOA combined and joined the scammers to propagate fraud

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 2021-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are two late payments listed on a XXXX XX/XX/XXXX account for XX/XX/XXXX and XX/XX/XXXX, but there were never any late payments made to the account. There is no information listed from XX/XX/XXXX, when the account was opened, through XX/XX/XXXX aside form those two " late '' payments. I've submitted these to have the negative information removed, but have not had any success even though it's obvious it's incorrect with all the missing information and dates which do not line 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 2021-03-05 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: TX

Complaint narrative:
There are two late payments listed on a XXXXXX/XX/XXXX account for XX/XX/XXXX and XX/XX/XXXX, but there were never any late payments made to the account. There is no information listed from XX/XX/XXXX, when the account was opened, through XX/XX/XXXX aside form those two " late '' payments. I've submitted these to have the negative information removed, but have not had any success even though it's obvious it's incorrect with all the missing information and dates which do not line 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 2021-03-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
In XX/XX/XXXX I noticed a larger monthly payment for Home Depot. I called Home Depot customer service and Spoke with a representative who informed me that there were two accounts in my name. The account was opened when home Depot had a breach in XXXX, all transactions default to my bill. I requested information on the other account along with transactions, statements all receipts for both accounts. I still have not received any response. I sent a follow-up certified letter and still have not had any response pertaining to my request for documents. I have filed a police 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 explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Upon reviewing my credit report in XX/XX/XXXX I noticed Bank of America had to account numbers listed. One account appeared " closed by consumer '' which I did not close and a new account was opened. 
I then went on Bank Of Americas website that verified the last four digits of the account that was closed. I requested all applications, statements to rectify this situation. Bank of America could not produce in a letter I received on XX/XX/XXXX the letter stated the information my have been lost due to a conversion. I then called customer service XX/XX/XXXX and spoke with XXXX who informed me that this may have occurred to a data breach Bank of America experienced. I was never informed of a data breach nor did I close an account and request a new account to be opened which was done.

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 2021-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I have finished paying my car loan with Gateway One Lending and Finance ( a XXXXXX/XX/XXXXcompany ) back in 2017. 

Gateway One Lending and Finance went out of business, and Santandar Bank bought them. Santander claims they do not have the lien of my car. 

I spoke to DMV - they state that they never received a notification from neither bank confirming my car loan was paid - DMV needs a lien release from Santander. This is done electronically. 

I am attaching two documents to prove I paid my car off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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:
I XXXX XXXX, sent a letter regarding inaccurate and unknown Items on my credit report on XX/XX/2020. It is 60 days later and I have not received a response yet. I feel like my disputes are being neglected and taken advantage of. Failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days and I am demanding these accounts be deleted immediately or I will file for litigation due to the stress you caused me.

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 2021-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
Transworld Systems is reporting and trying to collect the incorrect amount of a debt. The debt is closed and has been since 2017, however Transworld is adding over {$46.00} a month to the debt and putting that information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I have been Speaking To Citizens Bank about a Fraudulent on my Card about 170 Time information and the person that Answer the phone She Just hanged up on me five times and Nobody Care of taking actions and they just. Ended up moving on and I have. Toldeed them the Fraudulent and I will like to be Filed claim and they have hanged up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX has put on and removed this account from my credit report on multiple occasions after being confronted with evidence the original creditor continued to bill after policy was canceled because car was transferred to another owner that got another policy of her own with another insurance agency. In fact I was owed a prepaid balance! I will provide this again and would like information on how I can seek damages for years of aggravation and adverse affects of inaccurate information on 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 2021-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
There was a fraudulent activity made on XX/XX/2021 with my PayPal Key. However, PayPal keep declining my claims about the fraud charge. 

Firstly, When I first found the fraud activities, I immediately deleted the compromised PayPal Key. However, the transaction still went through. Then for some reason, the transaction got split into 2 charges. So I filed 2 claims against those 2 fraud charges. The first one got approved, but the second one got denied. Since those two charges were coming from the same transaction, there should be no reason for PayPal to deny the second claim. I appealed the decision of the second case but my appeal was denied again. 

Secondly, the default payment card in my PayPal Key was linked to one of my credit card. However PayPal charged my checking account which I never authorize them to do so!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: TX

Complaint narrative:
An account for XXXX XXXX with a balance of {XXXX} is listed on my credit report as a charge off, but as you can see from the attached documents I was never late, and paid and closed it on XX/XX/2019. I've submitted proof of this to both XXXX XXXX and the three bureaus, but it has not been updated on my credit reports.

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 2021-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MD

Complaint narrative:
This debt occurred when I moved out of the home I lived in with my husband. Apparently he rented the home for two years and the renter used my information to set up a XXXX XXXX Account using my personal information obtained by mail from the mailbox. I filed a fraud complaint with XXXX XXXX and submit a notarized affidavit however XXXX XXXX replied stating they were not going to remove my responsibility from the debt. I was in the process of filing a civil lawsuit when the added the collection to my credit file and causing my credit rating to drop by 34 points. I was in the process of purchasing a home which has now bern put on hold,

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 2021-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JP Morgan Chase reduced my credit card maximum amounts across all my lines of credit on XX/XX/2021. 

Each account was reduced to only {$300.00} above my balance due. My credit report has now been impacted, with my score dropping 10 points. I now have a 70 % utilization rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: Self Financial Inc.
State: SC

Complaint narrative:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks dated on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
In XX/XX/2021 I spoke with a loan officer with AmeriSave in regards to refinancing my three properties. We agreed on rates and associated costs. When the original documents arrived I noticed the box marked float rate was prechecked. I call the agent and told him I do not want floating I wanted it fixed and to change it. He said it was prechecked to floating to protect the consumer from missing out when rates drop but it also guarantees our original rates even if rates go up. I questioned this the last few months everything they sent me updated disclosures with higher rates. He assured me that it was just the current market but would not be my rate. My rate would be the original rate. Yesterday they sent me notice of final rates and fees of one of the properties. It was higher. They then informed me the others had already closed. When I asked what they closed at the rates were also higher. He now after lying for 2 months that AmeriSave only does floating rates and did not expect rates to go up. He purposely lied and misled me even when I demanded fixed rates and questioned it over and over.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I have been Speaking To Citizens Bank about a Fraudulent on my Card about XXXX Time information and the person that Answer the phone She Just hanged up on me five times and Nobody Care of taking actions and they just. Ended up moving on and I have. Toldeed them the Fraudulent and I will like to be Filed claim and they have hanged up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service
State: GA

Complaint narrative:
XXXX XXXX is reporting and trying to collect the incorrect amount of a debt. The debt is closed and has been since 2017, however XXXX is adding over {$46.00} a month to the debt and putting that information on my credit 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 explanation
Consumer complaint received 2021-03-05 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CT

Complaint narrative:
Fair Collections & Outsourcing This company blatantly disregarded valid disputes that I submitted to their company. They only care about getting paid and not researching the inaccuracies I pointed out. I was treated rudely and this company does not care about the victims they collect upon in any capacity. 

This company is collecting on a Apartment Lease that I have pointed out several flaws in the original contract and sent them a letter requesting that they investigate on XX/XX/2021, till this date I have yet to see any response and I even called them and they confirmed that they received the letter. Yet I still can not get approved for my mortgage without their company falsely pursuiting a debt that should not have been owed in the first place. They took my Security Deposit away from me under false pretense that I broke the lease. I followed the contract requirements for the complex to its entirety and then they default my security deposit and charge me additionally? If this collection company did any research they would see I am a victim here.

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