vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-22 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: IL

Complaint narrative:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. That is a huge difference. XXXX paints me as a XXXX. XXXX XXXX say I have good credit. What the heck is going on here. I have almost no debt and my identity was stolen causing my score to drop n I made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify and remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned inthey are causi ng me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2021 Bank of America XXXX XXXX XXXX XXXX XXXX, Texas XXXX Last 4 digits of ssn : XXXX To whom it may concern, Im writing this letter to dispute the following account : Account number ending in XXXX Balance : {$2400.00} I, XXXX XXXX has received proof from Bank of America that they have certified to XXXX that the following account ending XXXX is accurate and factual. According to 15 USC 1681a ( e ) investigation, it is clearly stated that such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Also pursuant to 15 USC 1681a ( 2 ) ( B ), any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a " credit card '' or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which states The term " CREDIT CARD '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. '' Notice, Congress said " ANY '' card. The credit card is my social security card. This is the credit card is used to originate every consumer credit transaction below. This should be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I feel like my Im being taken advantage of and being ignored of my disputes. I am demanding that you remove this transaction from my credit report immediately as this is a violation of my rights as a federally protected consumer under title 15 chapter 41 or I will file for litigation due to the stress you have 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 2021-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TOTAL MORTGAGE SERVICES LLC
State: IL

Complaint narrative:
I started a mortgage refinance application on XX/XX/2021. For the most part, everything was going fine until the processor ( XXXX ) asked for my son 's birth certificate. My son is XXXX, and I include him on my income since he gets SSDI. Total Mortgage Services stated they need to confirm our relationship. I told them that this makes no sense why they are requiring excessive documentation to see the relationship. Do other people have to confirm relationships? A birth certificate is extremely sensitive paperwork that should not be floating around in a loan package. I can see a federal or state agency asking for documentation but not for loan. Furthermore, they already had his social security verification letter for income and our bank statement which has both our names listed as owners. XXXX XXXX said he could add my son to the loan which we did not want to do nor is it acceptable to try changing what I already had applied for and my locked rate. The point is I am a senior citizen and my son is XXXX and I feel the excessive asking for his birth certificate is unacceptable and reckless -- this is not normal paperwork for a mortgage. So since I replied to him we are still not providing a birth certificate nor changing the loan application he decided to cancel my mortage application today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: STERLING JEWELERS, INC.
State: NY

Complaint narrative:
I am a victim of identity theft due to the XXXX data breach KAY JEWELERS - {$1000.00} - XX/XX/XXXX XXXX XXXX XXXX XXXX - {$830.00} - XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: CA

Complaint narrative:
Hi, The dispute I have with Experian is pertaining to unfair credit reporting and credit scoring. I been going back and forth with Experian for over 3 months for the following : 1. Not removing Inquiries from my credit on the date of removal stated on my credit report.

2. I paid off all of my credit cards and a vehicle. Experian took 60-90 days to update my report. Before Experian updated my report. I verified with all of my creditors that a XXXX balances was reported to Experian and the other credit reporting agencies. Once Experian updated my credit report my score only moved by 2 points. I called Experian and spoke with a representative about the situation. The Rep from Experian told me that my score only moved up by 2 points because I paid off my debt.

According to Experians website they calculate score based on the following criteria : 1. Payment History - I paid all of my bills on time before paying them off.

2. Length of credit history - All of my accounts are over 2 years old. 

XXXX. Amount Owed - Once my debts were paid off my credit utilization percentage dropped ... Meaning, according to Experian my score should have improved. This is where I believe their is a double standard ... According to Experian a negative Payment history and high utilization percentage lowers a credit score. The Experian rep told me that my score didn't improve because I paid my debts off. By paying my debts off that lowered my utilization percentage which was suppose to improve my credit score according to Experian. In addition, I paid off a vehicle and I have a very good credit history of paying my debts on time. According to Experian, the three above categories ( Amount owed, Length of credit history, and Payment history ) makes up of 80 % of their credit scoring calculation. I performed very well in all three areas and Experian in now saying that hurt my credit more than helping my credit. Their behavior is a clear case of misrepresenting the facts which is a violation of the Fair Credit Reporting Act FCRA. I need your assistance with getting this matter resolved. If you have any questions please contact me at the information below. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Arcadia Holdings, LLC
State: NY

Complaint narrative:
This is a scam call. I do not have any debt that has gone to collection or is otherwise outstanding

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NM

Complaint narrative:
I would like to file a complaint against the main entity of PayPal : PayPal Holdings , Inc. 
XXXX XXXX, California, USA In fact I used Paypal as a seller in E-commerce, my account was suspended for 180 days on XX/XX/XXXX, XX/XX/XXXX Paypal is transferred my entire remaining balance with the memo " damages caused by Acceptable Use Policy violation '' of an amount of XXXX. 51 USD I would like to specify that Paypal has allowed to refund some of my disputes instatanement with an additional fee of 14 USD per dispute while all my orders were shipped, and delivered within the delivery time indicated on my website, also that I did not sell or offer any item / content prohibited or/ and under copyright / trademark. 


I have all the purchase of goods as well as the can of delivery of the completeness of the orders to the customer, I tried to contact Paypal US to have information and after several exchange by mails with them by asking them the reason of the withdrawal of my balance would be that I violated their policy ( AUP ). 


I am a small business that is just starting out and for me the amount " stolen '' by Paypal represents the entirety of my business and without it, I would be in personal and professional bankruptcy. 


I would like to file a complaint against the main entity of PayPal : PayPal Holdings , Inc. 
XXXX XXXX, California, USA I enclose screenshots of my paypal account and the exchange with them, my company documents and I leave you my email and my phone number to be contacted if any additional information or document is needed, I await your return. 


I wish you an excellent day, and thank you for taking the time to read me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Student Loan Direct
State: KS

Complaint narrative:
I enrolled in the student loan income driven program with student loan direct 1. I have been paying them since 2018 - present. I just found out that the company is fake and ALL my monthly payments, monthly processing fees, and yearly recertification fees have been going to this fake company, and not my actual student loan. This fake company has had access to all my personal information, such as : bank information, social security number, address, phone number, date of birth, passwords, tax information, employment information and paystubs, etc. I have been scammed for thousands of dollars. I'm not even sure what other damage has happened since they have had all my information and taking my money. the webiste for the fake company is : https : //www.studentloandirect1.com/

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-22 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: LEXISNEXIS
State: AR

Complaint narrative:
I have submitted a complaint previuosly on LexisNexis and they responded to CFPB that they would remove an Death Declaration on my file and that they would issue a letter to me stating that they had removed the mark on my file? They said vaguely in the, enclosed letter, that they would remove the negative mark in my file and that I could request my file along with the reporting parties that filed a death notice on me.. 
This was 2 weeks ago and no response from LexisNexis!! 
I want my file and the parties responsible for reporting me as deceased immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I opened an American Express XXXX Card in XX/XX/2021. At the time, the promotional offer under which I applied was for 100,000 bonus points after {$6000.00} in spending. 

Approximately one week after receiving my card in the mail, I received a promotional flyer for the exact same card from American Express. The card was sent to my permanent address and mailed in my name. However, this promotional offered 150,000 bonus points. Feeling a bit bothered by the second offers terms being so much more lucrative in light of the recency with which I had applied, I called American Express to see if anything could be done. 

During one such call, I was informed by an authorized agent of American Express that if I received this conflicting offer in the mail to my address and in my name within a certain period of days of opening my card ( I think it was 60 days ). In any event, we were agreed that I had meet the terms of the offer. The authorized agent then directed me to a location on American Express ' website where I could upload a document substantiating my claim within a category coded " Better Offer. '' He then advised me that, if all was as I had said, I would in fact be eligible for the better offer terms. He made it clear that he was making this assertion after reading from an internal form providing him with guidance ; he informed me that his form made it clear that he could advise me that I should be eligible of all of my claims could be substantiated. Finally, I was informed that if I did not hear back I should simply call to follow up. 

After having thrice followed up since, each time I have been told that his assertions were incorrect and that I am therefore ineligible. However, I find this resolution to be entirely unacceptable and incompatible with CFPB protections, as well as a litany of Michigan consumer financial protections. In reliance upon American Express ' authorized agent 's assertions, I went on using my new American Express card in order to satisfying the required spending threshold of {$6000.00}. 

Had he made a different representation, I could have at that time attempted to convert my card type and make purchases toward a different card 's bonus offer requirement spending threshold. By now, several months later, I have nearly met that threshold.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
End of XX/XX/XXXX, I spoke with a gentleman representative at Credit Collection Service ( XXXX ) regarding a collection with XXXX in the amount of {$220.00} to work out a settlement to get this collection paid and removed from my credit report. I believe the date we had set up that payment for was XX/XX/XXXX. I specifically asked the gentleman if he would send me a letter stating the settlement amount that we agreed upon and stating that is would be removed from my credit report. He stated he would have this letter sent out to me. I asked again to confirm this collection would be removed from my credit report once paid, and he responded with yes and it would have in the remarks as paid in full. With this information I was provided, I ended up having the money sooner than expected and mad a call back around XX/XX/XXXX to make the payment for {$170.00}. I was told that it can take up to 8 days to reflect that it was paid in full. I have filed 3 disputes with XXXX to have this removed from my report as it now shows closed with a {$0.00} balance. XXXX has responded each time that the information is accurate. I have since then, called Credit Collection Service regarding this matter. I was told by the 3rd representative that the they do not request that the information be removed once paid. I explained the situation to her and she said that she would send it to her supervisor to review the calls and to call back the following day. I wait 2 days before I call back, and was told that she would send it to her supervisor for review as the first time and to call back after XXXX that day. I waited until the next day to give them time to review, and I was told basically there was nothing they could do. I was then transferred to a supervisor who said that I ( me ) misunderstood the information I was provided on the first call. She said this after I explained that I specifically asked the representative if this would be removed from my credit report once I paid it, and he responded with yes, and it will be remarked as paid in full. Clearly confirming my question. She said that I misunderstood what he said. she then proceeded to tell me that she was not going to argue this with me. I am finding it hard to believe that I misunderstood any of the information I specifically asked for clarity prior to taking care of my debt. The information provided by the representative was misleading and deceptive as the only reason I agreed to a settlement was that it would be removed from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: Risecredit, LLC
State: TN

Complaint narrative:
Account was charged off. Retained a debt management company to negotiate a settlement. Company signed agreement to report account a certain way after settlement paid. Charge off date is given XX/XX/2020 however this is date settlement was paid in full.Still includes on report a charge off of $ XXXXhowever reports {$1900.00} to IRS. As I was making payments monthly no payments are reflected on credit report. The company was named rise credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-22 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: Aargon Agency, Inc.
State: PA

Complaint narrative:
It was taken of my credit report 2 different times and it shows up with different companies now

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 2021-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: KY

Complaint narrative:
This complaint is in regards to chime bank. In XXXX on 2020 I received my eidl business loan to my chime checking account. 2 weeks later they closed/suspended my account I have since provided all documentation theyve requested, called, emailed, and done everything possible to get my funds disbursed to me or sent back to depositer. Its now a year and 4 months later and they still have the funds and arent trying to resolve the issue. This cant be normal banking process and it it has now put a strain on my XXXX livelihood. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I called Equifax on XX/XX/2021 and cancelled the service. But, a {$16.00} charge continues to be put on my credit card on the XXXX of each month ( XXXX, XXXX, XXXX, XXXX, XXXX ). I've made numerous phone calls where they offer apologies and maintain that the account is now officially closed and that I will see email confirmation thereof and past charges refunded, but all I see is another charge on my bill on the XXXX of each month. 

My case number as of today is XXXX I was told today that the cancellation ( that is, the fourth and most recent request for cancellation that I made on XX/XX/2021 ) is still " in progress ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In the process of refinancing my home, my mortgage loan officer discovered a credit inquiry registered by Equifax XXXX on XX/XX/2021. I have a " member no. '' that was referenced in the inquiry but, besides the date and the credit reporting company, that was all the information my bank produced. However, after contacting Equifax in the US, the representative researched the inquiry and determined the company placing the credit check is XXXX XXXX. I have no knowledge whatsoever of this company and have not sought credit from any XXXX company. Therefore, my concern is that my credit report is being fraudulently accessed. I want a fraud alert placed to monitor any subsequent inquiry from this company and to make access of my credit information less readily accessible without my approval.

Company response to consumer: Closed with explanation