vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-16 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: Affirm Holdings, Inc
State: VA

Complaint narrative:
I got a computer through affirm. However they reported the computer loan through XXXX  XXXX XXXX  and it was deferred. It has been reported late for months when it isnt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 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: OR

Complaint narrative:
Information on Experian belongs to another person with similar name who lives in another state. 
Can not access Experian account to place credit freeze due to not knowing other person 's information and customer service not available on the weekend. 
Already placed credit freeze with XXXX and 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 non-monetary relief
Consumer complaint received 2021-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: MO

Complaint narrative:
I received a Brinks prepaid card with my full name on it sent to my house. This is very alarming because when I went to call them you cant get a live representative to ask how this happened when I NEVER applied for this, it makes you activate this card and provide your social, so of course I hung up and the messed up part, is that there is FULL account information on the paper as well. Account and routing number with my name and address. This is ridiculous how this happened!

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 2021-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX I reached out to someone selling a XXXX XXXX XXXX on XXXX for a decent deal ( {$180.00} ). After talking to him shortly, I was comfortable enough and seemed trustworthy enough to purchase it. He sent me an invoice, I sent him the {$180.00} and he said he would get me the shipping information when he shipped it, he claimed 3 hours. 

3 hours went by, I checked in with him and realized that he blocked me on XXXX. Realizing what happened, I immediately contacted XXXX support, to find out that they could not help me due to them " not being responsible '', said that they could not do anything once the money has been sent, etc. - despite claiming that their transactions are all protected. This whole conversation is over text and can share if need be. 

After talking to XXXX and realizing that they would not help me, I contacted Bank of America by phone ( since it was still pending in my transaction logs ), they informed me that I need to wait until it processes and then open a case on the web. This was XXXX XXXX, I forget exact the date. 

As soon as it shows up as processed in the BoA transaction log, I opened a case sent the information to BoA and explained what happened. They refunded the money initially and I stayed in contact with them, then just Thursday, XX/XX/2021 they took the money back out of my account and closed the case telling me that they sided with XXXX XXXX. 

I used my BoA VISA card for these transactions and was under the impression that this type of scamming was protected by XXXX, or at the very least VISABank of America ( my bank ). 

Bank of America , VISA & XXXX XXXX are seemingly all platforms that support scammers and do not support the " purchase protection '' that they all claim. This should be, at the very least, known to the public.

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 2021-10-18 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: MD

Complaint narrative:
XXXX  XXXX XXXX is reporting to Experian an late payment in XX/XX/2021. This mortgage was paid off in full on XX/XX/2021 so the payment could not have been late. I sent verification of payoff to Experian, yet they reported that XXXX declared the info correct. I just need to know how to fix this black mark on my record. Both of the other credit reporting bureaus report no late payments.

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 2021-10-16 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: Kelsting Group, Inc.
State: CA

Complaint narrative:
I defaulted on an auto loan with XXXX XXXX and its been sitting on my credit report for the last 4yrs. Its been charged off. However, another agency, Pacific Credit has been reporting this default as their own. So I have XXXX reporting XXXX and PC reporting XXXX plus accruals. This makes it seems as though I am in more debt than I am and that I have defaulted on two loans instead of the one. Unaware of its origin I disputed the account and as a result PC has now placed their account in active collection reflecting that I am currently XXXX days late when I have had no contact or made no arrangements with them!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 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: NJ

Complaint narrative:
Dear Sir/Madam I live in XXXX NJ . Some fraudster in Michigan ordered a shoe from XXXX through paypal just using my email address and shipping the shoe to some abandoned home in Michigan. The order emptied my paypal balance of {$230.00} and further took {$180.00} from my XXXX checking account. I immediately disconnected my bank account from my paypal account. 

I filed a dispute to both Paypal and XXXX. XXXX refunded {$180.00} and closed the case. 

All paypal needs to do is pay back {$230.00}. When I login to my paypal account it shows that I owe {$410.00} to paypal. They placed it in collections and threatened to report it to the credit bureau unless I pay it back. I have a perfect credit score and don't want that to be affected. 

I spoke to four agents at Paypal, they are asking me to pay back {$410.00} to them first. Anyway, after escalation, we found that Paypal refunded {$410.00} to my bank account ( even though I delinked the bank account due to the fraud incident. ) and says that I owe them {$410.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Hello On XX/XX/2021 I payed off the statement of my PayPal Mastercard Cash back ( Syncrhonic Bank ) They took the money from my account on XX/XX/XXXX. 
On XX/XX/XXXX I tried to do a purchase and the credit card didn't work. 
This happened several time before and now I'm really tired this bank took my money and they don't allow me to use it because they said that I can't make payments in the same payment cycle. I'm attaching some pictures.

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 2021-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
On XX/XX/XXXX, I received a notification that my credit score has changed due to a collection. I logged into my XXXX XXXX account and saw a collection from Spring Oaks Captial LLC for {$570.00} dollars. I contacted the company and informed them that I have no knowledge of this account. The representative claims that she will not only mail me a letter explaining the charge but also email it to me. As of today, XX/XX/XXXX, I haven't received anything from this agency explaining this debt on my account. I want this removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: AL

Complaint narrative:
Convergent outsourcing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX has been sending me collection notices of XXXX the collection is being reported as past due. I do not know this company. I have never done business with this company. This company does not have a contract with my signature on it.

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 2021-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: DC

Complaint narrative:
On XX/XX/2021, Southwest Credit System Inc., placed a collection under my name and social security # in all 3 Credit Bureaus in the amount of {$610.00}. The information that was submitted by this company reduce my Credit Score in all 3 Bureaus by nearly 100pts. As a result, this matter has caused me a great deal of XXXX XXXX to the point that I am finding it hard to concentrate, i am having on & off XXXX XXXX, XXXX and XXXX XXXX. Please note that I have received an official letter of notice of my right to dispute this amount prior to this company placing this information in my Credit Report. 


Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: NC

Complaint narrative:
MY PURPOSE OF THIS COMPLAINT IS NOT TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DON'T TRY TO SAY THE ( FCRA ) DOES NOT APPLY TO YOU BECAUSE YOU ARE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MALES IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOT WITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16G2F ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO YOU! CREDIT ACCEPTANCE CORPORATION VIOLATED 15 USE 1681A ( 2 ) ( B ), 15 U.S. CODE 1681B ( A ) ( 2 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692J ( A ), AND 15 USC 1681E ( B ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-16 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: OR

Complaint narrative:
So for some reason Equifax won't remove this old account where I signed my rights as a parent away long time ago before the dates they even have I provided all of what I need to to show and the other her reports didn't move them so I'm just having a problem with Equifax in there not removing it and I would like it removed ASAP please and it's for child support that I'm not the parent of

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am troubled and upset by recent actions taken by Bank of America 's subsidiary Merrill Lynch. The first was a XX/XX/2021 email notice from Merrill Lynch under the subject, Action Needed : Please call us as soon as possible to confirm or update your Merrill Lynch Account Information. Warry that the telephone number could lead to risk of fraud, I logged in to my Merrill Lynch account. 

I was astounded an upset that I was forced to update my account before actually being able to enter the account. Proceeding through the long laundry list of information that I was forced to supply in order to get past the update roadblock I grew more and more upset by the information being asked for. None of the information required was essential or beneficial to my interaction with Merrill Lynch. All of the information required is beneficial only to Merrill Lynch employees who might choose to use it to attempt to do more business with me or make more profit off of my account. 

Ive now wasted an hour of my time providing information that is in no way beneficial to me and can be used by Merrill Lynch and Bank of America in a way that is detrimental to me. This forced action by Merrill Lynch and Bank of America reminds me of the actions taken by XXXX XXXX XXXX  over a period of years that were not in their customers best interest. 

I no longer trust Merrill Lynch or Bank of America as I have in the past. This forced siphoning of information from me seems unethical and perhaps even illegal. 

I believe the Consumer Financial Protection Bureau should investigate this inappropriate and forced fishing expedition for information.

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 2021-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
From XX/XX/2021 thru to XX/XX/2021 Transunion has manipulated my credit report. Now, it appears that Transunion have inserted an unknown erroneous COLLECTION account by XXXX XXXX XXXX XXXX with an original creditor as " XXXX XXXX '' to my credit profile and refuses to remove this damaging information. As previously stated this account is not mine and does not belong to me. It seems as XXXX XXXX XXXX XXXX  have not reported on this account since XX/XX/2021, more than five ( 5 ) months ago XXXX XXXX third party credit report included. Transunion hurts and damage consumers daily. These treacherous, malicious acts must stop.

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 2021-10-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian continues to report Scan, and it is old ( XX/XX/XXXX ) they remove it and put it back again. When I try to dispute it, it says the will not do a duplicate dispute. They also have loans that have closed on my account and will not remove them. It just won't stop and when you try to call its an automated machine and you never talk to anyone.

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 2021-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia
State: MD

Complaint narrative:
After seeing a reported collections amount on my credit report in the amount of {$1000.00}. I contacted Credit Control Corporation to understand further. They sent me a bill of {$1300.00} on XX/XX/XXXX to which I sent a validation later via US mail on XX/XX/XXXX to their po box . It was not returned and thus assumed delivered as addressed. CCC has still not sent me a validation package validating this debt of {$1300.00} they say I owe. It's been over a month now, the collections item hasn't been investigated at all, nor have I recieved validation that I owe this debt. This reported collections bill has taken a toll on my everyday life as I am trying to find a home and I would like to get the issue resolved as quickly as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I've recently over come Identity Theft after having filed a complaint with the cfpb, the ftc, the lapd, etc. I finally had negative marks removed after numerous months of turmoil. It states on Experian that because I am a victim of Identity Theft that in the State of California I have the right to resend my application to creditors who requested access within the past year due to the negative marks caused by identity theft which most likely was causing my denial. I was told they can not and will not do it. Seems a little unfair I'm still being punished for something that I didn't do. The only reason I didn't get approval with the SBA for my business was because of this fraudulent collection that I had removed. I would get approved if they could see my new profile. I shouldnt have to take another hit on my credit to run it again due to being an identity theft victim. My life has been turned upside down by my identity being stolen and Experian has kept me on the back burner also allowing inquiries in my name when I have a fraud alert don't know how that works or why I've only authorized my credit to be ran 6 times only that doesn't match my inquiry amount. Thank you for your time and 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 2021-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC.
State: MD

Complaint narrative:
My name is XXXX XXXX and I received an adverse action letter from Exeter Financial. The letter states that Exeter is unable to approve financing for me, using information from a credit application that was done through XXXX. According to 15 USC 1691 ( a ) ( 3 ), it is unlawful to discriminate against an applicant with respect to ANY aspect of a credit transaction and because the applicant has in good faith exercised ANY right under the ECOA. This is even stated on the letter at the very bottom. I also noticed the part where it mentions a credit application. Credit and loan are not the same nor do they have the same definitions. A loan application is applying for a loan ; financing. A credit application is applying for credit. Pursuant to 15 USC 1602 ( f ), credit is defined as the right granted by a creditor. So if I filled out a credit application, why is there a mention of financing approval? Included in that application was my social security number. Obviously thats how my consumer report was pulled. Pursuant to 15 USC 1602 ( l ), a credit card is defined as ANY card, plate, coupon book, or other credit device used for obtaining money, property, or services ON CREDIT. If I am not mistaken, my social security card is indeed a credit card. So in order for Exeter to EXTEND credit, there needs to be a source of credit. That source is my social security card. In turn, making me the creditor. So theyre falsely claiming that they extend credit when thats not the case whatsoever. They are taking my credit source and denying me of my own credit based on information that is not verified. Finally, in the letter Exeter states that if they obtained information from a consumer reporting agency as part of their consideration, they will list the agencys information, which they did. Now the proceeding sentence states that the reporting agency played no part in Exeters decision and is unable to provide specific reasons for the denial of credit. According to 15 USC 1681m ( a ) ( 3 ) ( B ), the latter of that statement is correct but to say that the consumer reporting agency played no part is completely false and contradicting of the previous sentence. It also clearly states that Exeter obtained my credit score from this consumer reporting agency and used it in making our credit decision. So it seems as though the consumer reporting agency did in fact play a part in Exeters decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I faxed over documents that included my ID as well as my FTC report showing that I had unauthorized inquiries on my consumer report. Equifax was sent two fax as well as a certified letter that they signed for but they are saying they never received the letter and I have proof that the documents were signed for. They are telling me that there wasnt anything that they can do but submit it again. That doesnt make sense because whos to say they arent going to lose my information again.

Company response to consumer: Closed with explanation