vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Lending Club Corp
State: NY

Complaint narrative:
I filed a complaint with the CFPB on XX/XX/XXXX alleging that my loan was mistakenly charged off for failing to make a hardship payment. This was the Complaint of XXXX XXXX, CFPB Complaint No. : XXXX. 
Lending Club responded to me on XX/XX/XXXX stating that they they had mistakenly charged off the loan, but stated that they would change how they reported it to the credit bureaus. However, now that the loan was charged off, I could no longer make automatic payments, I had to call to arrange payments. Thereafter, I called repeatedly to try to make payments and those payments often were not credited properly and promptly as they should have been. For my XX/XX/XXXX I received a notice that my one time electronic payment of {$150.00} " will be applied '' to my account on XX/XX/XXXX according to the arrangements I made on the phone, but then no payment was taken out of my Bank Account. In XXXX they demanded that I pay two months because I hadn't paid XXXX, and took out {$300.00} on XX/XX/XXXX without my authorization or permission. In XXXX, the same thing happened. I called and made a payment for XXXX with a Lending Club customer service person and then I got an email from Lending Club falsely stating that I had authorized a payment for {$200.00} twhen I never authorized that amount. Lending Club told me that someone would get back to me because they had gotten the amount incorrect. My bill said I owed {$200.00} for XX/XX/XXXX when I only am supposed to pay $ XXXX/month. No one has gotten back to me after three times I called and spent an hour on the phone. I can not make payments because they keep XXXX up after they charged my account off. They need to fix this problem once and for all. I want my account not to be charged off, but current, and I want to be able to process my payments on line just like any other account that is current and I want to have my bill paid when I make a payment. I do not want them each month saying I didn't make a payment when i did. Lending Club has the worst customer service. This has been going on now for months. It must stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Linebarger Goggan Blair & Sampson LLP
State: CA

Complaint narrative:
XXXX XXXX, Attorney at Law has claimed I owe the City of XXXX Ohio, over {$500.00} in back taxes. I worked in XXXX in the years XXXX and XXXX at a XXXX XXXX and have never been asked to pay city taxes for the work done as a teenager. They should cease and desist. The statue of limitations is over. To request back taxes from 20 years ago, during a pandemic is in bad taste and is threatening. Why would they try to ruin people 's credit scores during a pandemic? The statue of limitations has expired. I don't recommend buying anything from the City of XXXX, especially debt collection that is past the statue of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 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: NY

Complaint narrative:
My XXXX lease is reporting inaccurate late payments for XXXX and XX/XX/2019 to all the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My XXXX lease is reporting inaccurate late payments for XXXX and XX/XX/2019 to all the 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 2020-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experian XXXX. XXXX XXXX and XXXX XXXX. I nead experian to fix this discrepancy. They give no explanation as to the 40 points im being denied by them alone. They want to sell credit cards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 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: NV

Complaint narrative:
I contacted Experian over the phone to request a dispute for unauthorized or incomplete or unverified information reported to the consumer credit report. 
I disputed some accounts and a bankruptcy that been reported to my credit report. I asked Experian supervisor that if they are getting this information from XXXX ( the US court ) that information is incomplete since they dont provide the social security number complete. 
This company ( Experian ) has agents in XXXX they are no able to understand and I am not even sure if they are handling my information such as social security in the right way. 
They refused to delete some account that they are no able to verify since I asked for proof including sent letter to the creditors and they didnt respond to me. Account that need to be removed from my credit report XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And the Bankruptcy that they are reporting under my name with an incomplete or incorrect social security number. I disputed that Bankruptcy and they failed to investigate or remove it or send a letter explaining the reason why they didnt remove the information disputed or provide proof of were they got that information with a complete social security number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 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: NY

Complaint narrative:
Ive been a victim of identity theft, This account does not belong to me see attachment ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Ive been a victim of identity theft, This account does not belong to me see attachment ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: MO

Complaint narrative:
I received a first communication dated XX/XX/XXXX with a settlement offer for an alleged debt. Hidden on the back was the required right to dispute within 30 days. I did sent a letter to dispute and request full validation on XX/XX/XXXX. It has been over 30 days and I have not received anything from this unknown company. However, since that letter was sent this company has reported it to the credit bureaus which they should not have done until the validation was received. They reported it approximately XX/XX/XXXX as disputed so they obviously received the request for validation and dispute. Copies of their notice and my reply are included.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
I have a PayPal account and a PayPal Cash plus debit card my economic impact payment was supposed to be deposited into my account on the XXXX it's been almost a month now they can not seem to tell me anything I keep getting the same answers over and over and over again to keep running a deposit Trace nothing and I'm not the only person experiencing this problem I am fed up frustrated tired of not getting straight answers I want my money but can't seem to get anywhere

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
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 explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: AL

Complaint narrative:
I was trying to connect my PNC account with my XXXX and it is not allowing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: FL

Complaint narrative:
Dear CFPB Staff, My name is XXXX XXXX. I am the victim of Identity Theft. My situation has been filed with the FTC and I have been fighting the results of this identity theft for decades and have had this sitation made worse by the actions of companies such as XXXX XXXX and XXXX XXXX XXXX, XXXX. I am writing you for assisting having XXXX XXXX 's anti-consumer behavior and with XXXX XXXX XXXX, XXXX XXXX actions in Florida. Last you I was told by an XXXX Supervisor that the fraudulent account they have on me would finally be removed and that I would receive a call back from their fraud department. This was a blatant lie XXXX XXXX trains their phone representatives to say. Instead of receiving said phone call I instead immediately received more aggressive behavior from their collection company. They are knowingly lying to consumers to throw them off guard before launching a brand new wave of collection attempts to people who have already provided them the documentation they demanded from us to prove we are the victims of identity theft. We provided what they demanded of us and they stated they would be removing the fraudulent account from my name. As for XXXX XXXX XXXX, XXXX, their behavior is not only atrocious but illegal by Florida Law. I had written XXXX XXXX XXXX, XXXX back with copies of the documentation showing the account they were instructed to collect was fraudulent within the 30 Days period they demanded. Later over the phone they would lie about us having provided the response and documentation violating the The Consumer Financial Protection Act. When I proceed to demand their staff provide the contact information XXXX XXXX XXXX, XXXX Registered Agent in Florida to have them served their staff repeatedly refused to provide said information and instead lied to me saying they were informing XXXX XXXX that this account was fraudulent and that we would here back. This did not turn out to be the case. Instead XXXX XXXX XXXX, XXXX violated Florida statute 812.019 ( 1 ) committing a crime by knowingly selling this illegal account containing stolen identity to another unknowing company named TrueAccord. I have attached XXXX XXXX XXXX  ', XXXX, TrueAccord 's, and XXXX XXXX 's contact information with this letter. I ask for your help addressing this matter with XXXX XXXX, XXXX XXXX XXXX, XXXX, and TrueAccord, and with forwarding this information to the government entities relating to reviewing and approving companies like XXXX XXXX XXXX, XXXX 's business license to have it and their actions reviewed to see if they should continue to be allowed doing business in Florida and the legal entity that would be responsible in enforcing Florida statute 812.019 ( 1 ) against XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Dear CFPB Staff, My name is XXXX XXXX. I am the victim of Identity Theft. My situation has been filed with the FTC and I have been fighting the results of this identity theft for decades and have had this sitation made worse by the actions of companies such as American Express and XXXX XXXX XXXX, XXXX. I am writing you for assisting having American Express 's anti-consumer behavior and with XXXX XXXX XXXX, XXXX XXXX actions in Florida. Last you I was told by an American Supervisor that the fraudulent account they have on me would finally be removed and that I would receive a call back from their fraud department. This was a blatant lie American Express trains their phone representatives to say. Instead of receiving said phone call I instead immediately received more aggressive behavior from their collection company. They are knowingly lying to consumers to throw them off guard before launching a brand new wave of collection attempts to people who have already provided them the documentation they demanded from us to prove we are the victims of identity theft. We provided what they demanded of us and they stated they would be removing the fraudulent account from my name. As for XXXX XXXX XXXX, XXXX, their behavior is not only atrocious but illegal by Florida Law. I had written XXXX XXXX XXXX, XXXX back with copies of the documentation showing the account they were instructed to collect was fraudulent within the 30 Days period they demanded. Later over the phone they would lie about us having provided the response and documentation violating the The Consumer Financial Protection Act. When I proceed to demand their staff provide the contact information XXXX XXXX XXXX, XXXX Registered Agent in Florida to have them served their staff repeatedly refused to provide said information and instead lied to me saying they were informing American Express that this account was fraudulent and that we would here back. This did not turn out to be the case. Instead XXXX XXXX XXXX, XXXX violated Florida statute 812.019 ( 1 ) committing a crime by knowingly selling this illegal account containing stolen identity to another unknowing company named XXXX. I have attached XXXX XXXX XXXX ', XXXX, XXXX 's, and American Express 's contact information with this letter. I ask for your help addressing this matter with American Express, XXXX XXXX XXXX, XXXX, and XXXX, and with forwarding this information to the government entities relating to reviewing and approving companies like XXXX XXXX XXXX, XXXX 's business license to have it and their actions reviewed to see if they should continue to be allowed doing business in Florida and the legal entity that would be responsible in enforcing Florida statute 812.019 ( 1 ) against XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc
State: NC

Complaint narrative:
The consumer reporting agency flagged me and the background report states that my drivers license is inactive-which is incorrect. My drivers license is active and now I will not be able to get this job because a valid drivers license is a requirement of employment. This reporting agency reported false information which cost me a job. They should be shut down and their licenses for reporting taken away!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: LA

Complaint narrative:
During the COVID 19 I was unable to work then when work started back hours was cut I informed Westlake Financial services to see if they can push two months of my payments to the end of my loan they said no they couldnt do it because they did one month already I cant help it if the COVID 19 pandemic hardship last more than one month I am behind on XXXX XXXX two months of car payments my car was purchase in XXXX it was bought new but now its XXXX and this crisis pandemic made it so hard for me to pay my bills Im working now but hours got cut I barely make 40 hours a week Westlake Financial services auto loan is out of XXXX XXXX they call me everyday even on the weekend real early in the morning late at night I am XXXX XXXX I was waiting on my second stimulus check so I can pay them get caught up Now XXXX almost here then that will put me three months behind XXXX XXXX them they will repossess my car and I want be able to work because I want have no way to go to work this pandemic COVID 19 has made me XXXX  XXXX  I cant pay my car note and I need my vehicle transportation to get to and from work if i lose my car I will lose my job the lil job I have if I can get caught up I will be able to make it but they want work with me said they couldnt do it I just need my XXXX and XXXX payments push to the end of my loan and I can save up for XXXX payment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have purchased an airline ticket from XXXX XXXX in XX/XX/2020 and charged it to my credit card issued by Capital One Bank. 
The charge is from XXXX in the amount XXXX charged to my account on XX/XX/2020. 

XXXX cancelled my flight, but refuses to refund my money. 

I have contacted XXXX several times, but they have refused to refund my money, I then contacted my credit card issuer, Capital One Bank several times by mail and phone, but the bank have refused to accept my dispute. 
The bank has treated me in an arrogant and demeaning manner and with XXXX prejudice towards me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 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: TX

Complaint narrative:
Here are three entries on my credit report that I received a notification they were being deleted. The first date is the date I received the removal notification. All three of these accounts have magically appeared back on my credit report. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX and the date on this account is XX/XX/XXXX - isn't that too old to be on a report?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
This is my fourth complaint regarding a fraudulent practice of Citi Bank. The Company has yet to provide a satisfactory response and has refused to compensate for the financial loss that they caused. Please refer to my previous complaints for more details : XXXX XXXX XXXX Long story short, the bank froze my family savings account for undetermined period under pretense of my account being reviewed by the " back office '' of Fraud department. They provided no means whatsoever for me to resolve the issue and unfreeze the money. After submitting multiple complaints to XXXX  and CFPB, they then decided to close my account for unknown reason. 

After 63 days, they finally closed the account and returned my money. But no explanation was given even after multiple request to provide an explanation. 

Anyway during those 63 days, I lost hundreds of dollars because I needed to take a loan ( because my money was being used by Citi ). I lost another hundreds of dollars of not putting it in my other account that earnings MUCH higher interests. 

From my perspective, Citi stole my money for 63 days because they STILL failed to provide me an explanation of : ( 1 ) why the account was frozen, and ( 2 ) why my account was closed. 

Those 63 days may mean nothing for the company, but it meant lost of hundreds of dollars for my family and the Company is not owning responsibility for it. 

I made a conclusion that I might have been a victim of fraud and discrimination by Citi.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX I went to check the results of a dispute investigation and when I downloaded the report, it was someone else 's. Their SSN, DOB, and address were all included in it. I called Experian to alert them that I had seen this info and all they told me was to disregard it and did not collect the consumer 's info to inform them that their info had been shared.

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