vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2020-11-13 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: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX  equifax and XXXX  has not currently updated my credit report I have documents proving yeah continental reflex and XXXX on the website stating dirty accounts are XXXX balance I notice accounts are closed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: MA

Complaint narrative:
I see multiple 90-120 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 response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
LOWES CREDIT CARD/SYNCHRONY BANK HAD REQUESTED AND CONVINCED ME INTO AUTOPAY METHOD OF PAYMENT, SINCE I DO TRAVELLING KIND OF JOB AND, SOMETIMES OCCURS THAT I DO NOT RECIEVE MY STATEMENTS. 
I NOTED AN UNENDING/UNRESOLVED CONTINUED PAYMENTS FROM THE COMPANY, EVEN THOUGH AUTO PAYMENTS WERE MADE DIRECTLY FROM MY BANK ACCOUNT - XXXX  XXXX XXXX. I CALLED THE COMPANY, AS I WAS VERY MUCH CONCERNED AND TROUBLED THAT A SMALL AMOUNT REMAINING OR OWED COULD LAST FOREVER. 
I DISCUSSED WITH A FEMALE CUSTOMER SEEVICES, RELAYED MY CONCERN/PROBLEM. SHE TOLD ME THAT, BACK IN 2008, AN INTREST FEE WAS APPLIED TO MY ACCOUNT, AND THAT WAS WHY MY PAYMENT GOT EXTENDED. I INFORMED THE COMPANIES REPRENTATIVE THAT I HAVE AN AUTO PAYMENTS ARRANGEMENTS, AND I DID NEVER GOT REMINDER LETTER OR AN ALERT TO NOTIFY ME OF THE PROGRAM ENDING SOON. I WAS NOT MADE AWARE OF THE ABOVE PROBLEM, AND WAS CHARGED INCREASED RATE, ON A SMALL AMOUNT THAT I COULD HAVE PAID OFF.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
I see multiple 30 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 response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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 non-monetary relief
Consumer complaint received 2020-11-13 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: STERLING JEWELERS, INC.
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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Google Compare Credit Cards Inc.

Complaint narrative:
I have a problem with Google and a lot of people have the same problem with the company. Google has a monopoly in many fields and because there is no competitor to it, it subjects us to two unfair laws and takes away legitimate rights. 
My problem with Google Ads, I have a lot of problems with them and because Google is the only dominant company in this field At first, I had a Google ads account and it was working fine and everything was fine I spent approximately XXXX USD, and on the XX/XX/XXXX, I checked my account and checked a message that appears in the account. The message content is ( Your account has been suspended. Your account violated the " Unacceptable assets in commercial activity '' policy. ) Knowing that I did not reside for violating the policy, however, I wrote to Google on XX/XX/XXXX in order to try to solve the problem. 
Knowing that I did not reside for violating the policy, however, I wrote to Google on XX/XX/XXXX to try to solve the problem, and the company responded to me on the next day and this was the content of the response ( your account was suspended on " Google Ads '' due to its non-compliance with the " misleading content and information '' policy " Missing '' that we put about the unacceptable assets used in the business. ) The company imposed a penalty on me and banned me from creating any other ads computer for life I did not break the law and the company punished me If you broke the law Why didn't the company send me a notice and give me a call in order to fix the mistake? 
Why did the company close my account when it contained money and did not return my money? 
Why was I permanently banned when they didn't send me any prior notice? 
Why did the company stop responding to any message from me? 
I have another problem. I have a lot of invalid clicks, and with this you did not return me the money for these clicks. The rate of invalid clicks is 53 %, but with this you take your right to the fullest and do not return anything to me I hate contempt, all my work has stopped, I have lost a lot of money and have had problems with clients

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Credit Services Inc.
State: NC

Complaint narrative:
First Credit Service is attempting to collect on a bad debt in the amount of {$84.00} the original creditor is : XXXX XXXX XXXX / XXXX, MA Dated : XX/XX/2016. I have never had a gym membership with this gym. 

In addition to that, I NEVER RECIEVED A RIGHT TO DISPUTE NOTICE, pursuant to the FCRA and the FDCPA..which as a consumer, I have the legal right to dispute and or request validation of any alleged debt that a collection agency is attempting to collect on. In this case, my rights have been clearly violated and this agency is in violation of the federal law. 

I have no knowledge of this account I haven't lived in MA in over 10 years and if the account were mine and it is NOT ... would it have reached the statute of limitation for reporting? This company has no proof that this account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I keep receiving letters from Chase Card Services for an alleged credit card debt of {$7100.00}. I have enough letters to wallpaper my house with from Chase. 

I called the number listed in their letter, XXXX and asked how do I get these constant letters to stop? I was told I was on the with a debt collector and that letters would not stop until I paid the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: CT

Complaint narrative:
I have an existing mortgage being administered by Loan Depot that closed earlier this year ( XXXX XXXX ) and recently one of their reps called me to ask if I wanted to refinance due to rates having gone down. I replied that the rate and any fees would have to be low enough to justify it. The rep said he has all my info due to the current account and could do 2.5 % with only {$1200.00} in total out of pocket costs/fees because my current loan had closed only a few months earlier. I called him back to accept the offer and he then proceeded to do a new credit check ( which is only better since earlier this year due to revolving credit bal reductions ) and initiate processing. Subsequently, Loan Depot sent me documentation asking for many thousands of dollars in closing costs. I escalated the issue there and was bounced back to the first line lending officer I was dealing with, XXXX XXXX. He claimed that the processing is when they determine what they could do from a loan-terms standpoint. This is blatant dishonestly and fraudulent bait and switch marketing tactics, which also degraded my credit report with an unnecessary credit check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Failing to address an issue of threatening behavior from one of their associates and the police report I had to file in XXXX, FL bank was a failing of the first closed investigation by cfpb.

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 2020-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
My account was supposed to be closed several months ago my account has been blocked and I have been unable to obtain any information and I have been lied to numerous times. CitiBank financial group is one of the most unscrupulous banks I have ever dealt with in my life they have caused me such a financial hardship that I have lost my home I have been unable to eat unable to have a place to stay and Ive even had the belongings that I had put in storage because I lost my home repossessed and sold because I couldnt afford to pay my storage bill CitiBank hes promising they are going to send my money in a check and they have refused to do so they will not release my funds they have had my money since XXXX it is now XXXX this is completely illegal and a violation of the Department of banking and insurance guidelines and statutes nobody will do anything to help nothing has been done to fix this CitiBank always Replies with some ridiculous bogus response that looks like theyre doing the right thing when they are not doing anything at all the reason why I am making a complaint is another written formal Paper trail to prove what they are doing to 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 2020-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: OH

Complaint narrative:
I have a complete appraisal for my home and I requested to cancel the PMI insurance on the loan. First National Bank of PA has declined my request because they want their own appraiser to do the paperwork and they want {$480.00} to cancel the policy. I've called earlier in the year, they only correspond via mail and after several attempts to email them, they finally called me back and said they have a rule to only have their own appraiser do an appraisal, even though my home is clearly above the threshold for cancellation and it has been proved. I've provided the documentation to them and they will not accept it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: FL

Complaint narrative:
There are currently numerous accounts listed on my report that I have no knowledge of. This is an error or a result of malpractice. I am submitting this complaint on behalf of myself.

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 2020-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 2020-11-13 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: NC

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 2020-11-13 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: NJ

Complaint narrative:
My credit limit was decreased on my Chase United card from about {$13000.00} to {$7000.00} because of ( according to them ) negative remarks on my credit report within the last 4 years. They gave me the XXXX dollar balance when my credit scores were WORSE and reduced it now when my score is much better, AFTER I reduced the bill to XXXX balance and after I removed three late payments that were posted on my report. Payments that were reported from XX/XX/2020, XX/XX/2020 and XX/XX/2020 due to Covid. The last one was reported in XX/XX/2020, supposedly it was recently reviewed but it wasnt reviewed when I was spending and paying all the interest. This is FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: NC

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 2020-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
A payment of XXXX was deposited into PayPal account and they have denied service to me and are holding my money for 180 days. They gave no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-11-13 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2019 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP
State: CO

Complaint narrative:
I received an unsolicited debit card from USBank. I did not apply for this card and am concerned that by them sending this card in the mail is potentially causing me a risk of identity theft. I tried on several occasions to talk to them and was passed to three different departments to a point that the automatic phone tree options would not let me even talk to a representative.

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 2020-11-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I've been a personal capital one cardholder for many years. Never missed a payment, credit score around 800 or above.

I applied for a business card 7 months ago in XXXX. I received a credit limit too low for my business activities of {$10000.00}. 

I've requested an increase every month for the last 6 months : around XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I asked for it to be increased from $ XXXX {$50000.00}. 

Each time I received an immediate automated rejection letter without a specific reason or anything to do with my financials or a clear waiting period. The reason stated says they are still evaluating ... 

It does not give me my credit score or credit bureau where they derived information as I read on the CFPB website. 

I finally called in again today XX/XX/2020. The agents couldn't give me a reason and just said wait longer. I escalated this to a manager and he said there was no one I could speak to. I tried to file a complaint and he said he could note my feedback, but there is no way to escalate or file a complaint. He said he couldn't even read the 6 rejection letters in my account. 

What should I do? Am I being discriminated against? Help!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent dispute letters to XXXX, XXXX, and Transunion on XX/XX/2020. It has been 30 days and I have not received the results of my investigation.

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