vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-23 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: NJ

Complaint narrative:
Sometime on XXXX, XXXX, after I went to a mortgage company, trying to buy a house, I found out that multiple collection accounts were on my credit report that I had not idea of. On XX/XX/2020, I started my first dispute with the credit bureaus to remove the accounts that were not mine. After a few disputes I got some letters from the credit bureaus requesting a Police Report, so, on XX/XX/2020, I went to file a Police Report. With the police report in my hands, after a few times of mailing to the Credit Bureaus, XXXX  and XXXX  finally removed the unknown accounts on my report. 
Unfortunately, EQUIFAX has been refuse to remove an account and that is allegedly because XXXX XXXX XXXX, is verifying the alleged debt, by the way, most of the accounts were with the above mentioned collection, so I am now contacting the CFPB because I need this last collection account out of my credit report, it is affecting me a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: DE

Complaint narrative:
on XX/XX/21 I was scammed into using my American Express card to purchase a XXXX  Gift card for {$500.00} at a XXXX drug store. I already spoke to American Express and they suggested I contact you to report fraud. the drug store already put through the transaction and my card was charged for the {$500.00} charge. I wish to have this charge removed as it was fraud. a man named XXXX, said he was from American Express fraud section said that the XXXX put in a preauthorized request for {$2000.00} at XXXX XXXX  on the XXXX and that I confirmed the request via my cell phone. I never got any request. 

He told me the card was for security reasons to negate the {$2000.00} request. 
The original fraudulent activity was from XXXX. I spoke to a XXXX at ext XXXX phone number XXXX ID number XXXX case number XXXX. XXXX XXXX me to the American Express number and it turns out to be fraud. just in the past 2 minutes I got a call from the XXXX XXXX person suppose to be from XXXX XXXX. I told him I was reporting this to the government right now

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: PA

Complaint narrative:
On XXXX XXXX I applied at a XXXX XXXX store to open a new credit card account. 
I keep being told that I already have a account which I did but that account was closed and discharged by chapter 7 on XXXX XXXX. 
I got a letter from XXXX  that I had a credit freeze on my sagesteram credit bureau ( which I never heard of until today ) I called sagestream to correct this and was not able to resolve this issue ( kept getting referred to internet ) I was not able to resovle this issue there. I never to my knowledge placed a credit freeze with sagesteam. 
I spoke to a accounts person ( jenniefer ) at XXXX about this issue and they keep telling me they can not do anything about it. 
XXXX  was extremly rude to me on the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
During Covid-19, I set up payment arrangements with Santander at the end of my loan for the fees at the end of my account. I was told that when I would pay a certain amount my account would be brought current. However this was not reflected on my credit reporting. My credit reporting showed a 30,60, 90 day lates for XXXX, XXXX, and XXXX Santander reviewed calls and agreed that the information would be corrected due to the payment arrangements set up as part of the Cares act! Santander fixed inaccurate reporting for two bureaus but failed to complete it at XXXX! Ive called for months and havw been told it would update at the end of the credit cycle every month! This has not Happened and ive call Santander every day since and there has been nothing done! This impacts my ability to secure funding and has negative repercussions for me despite Santanders promise it would be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CNG HOLDINGS INC
State: MD

Complaint narrative:
Why Not Lease It XX/XX/21 call XXXX XX/XX/21 call XXXX XXXX  XX/XX/21 call XXXX XX/XX/21 Payment made of {$53.00} XX/XX/21 call XXXX XXXX  XX/XX/21 XXXX call XX/XX/21 call XXXX informed rep of payment XX/XX/21 call XXXX am XX/XX/21 call XXXX XXXX  XX/XX/21 call ( requested Supervisor was hold for almost 30-35 mins, silence and call hung up I was informed by an agent that my number is on an automatic dialer and would continue until a payment was made. Above you will see date where a payment was made and the calls continued. 

There repeated calls even after speaking to me is blatant harassment. If it is because of their automated calling system, then it needs a code added that indicates to them that repeated calls in one day every hour - two hours is in violation to federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: CREDIT ACCEPTANCE CORPORATION
State: DC

Complaint narrative:
My vehicle loan with Credit Acceptance Corporation became delinquent in XXXX. They charged off the account in XX/XX/XXXX and continued to report charge off account for XXXX, XXXX, and XXXX of XXXX. They changed the account from charge off status to delinquent in XX/XX/XXXX. The vehicle is inoperable however to work on improving my credit I began making payments on the account after the charge off. The account is reporting past due over {$8500.00} with a balance due of {$9000.00}. CAC reporting strategy is causing me to show as if I have an account that is open and seriously past due. Lenders are more likely to work with you if there is a charge off account that you are paying down verse an account reporting as open and over 150 days past due. The account had been charged off and should remain in that status. I am curious to know if CAC took advantage of tax benefits from charging off the account. I believe this is a deliberate act to further damage their customer 's credit when they default on a loan. I am also not in agreement with the way that they allow you to make a payment arrangement but will not update the credit reporting to reflect the payment arrangement. When you call to speak with their customer service representatives they do not seem to be able to help you beyond making a payment.

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 2021-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: IL

Complaint narrative:
I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian should be investigated for fraud. On their system, our credit score is significantly lower than XXXX  and XXXX  ( the score is similar on those two ). The exact same information is reported to and on all three systems. Experian however, offers to boost our scores if we pay them {$50.00}. So, my score is intentionally posted significantly lower on their system with promise that it will be increased if I pay their bribe? 

If you look at the other reporting agencies through Experian, the scores are close. If you look at all three independently, our scores are significantly higher on the XXXX  and XXXX  sites.

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 2021-06-23 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On XX/XX/2021 I pulled my report and saw collections 8 or 9 of them. PORTFOLIO RECOVERY ASSOCIATES had reported me for 4 of the 9 collections. XXXX XXXX sold two accounts to them I know this because XXXX  XXXX wrote me two letters I have included. PORTFOLIO reported to the bureaus in a way that on paper it seems like 4 collections. I disputed thinking it was an accident but in return, PORTFOLIO sends me a letter that says verified and ignores the issue. This is how they did it. XXXX XXXX sold Acct # XXXX and Acct # XXXX PORTFOLIO reported it to XXXX  that way XXXX  as well but then reports to XXXX  like this Acct # XXXX which is the same as XXXX and Acct # XXXX which is the same as XXXX. The result is that it would impact my credit score tremendously as it has.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Purchased a new manufactured home in 2016 from XXXX XXXX XXXX XXXX NC. 
Wells Fargo in XXXX NC financed the loan and another company called XXXX XXXX XXXX XXXX  took over the mortgage. My concern is this : I found out that the home has defects from the roof to the interior of the home to windows. these are known as latent defects by law. although there is a one year warranty, i found most of the defects after the warranty was up and by law the statute of limitations applies to this. i feel like i was conned into purchasing the home. I am a XXXX veteran

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 2021-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
My vehicle loan with XXXX XXXX XXXX became delinquent in XXXX. They charged off the account in XX/XX/XXXX and continued to report charge off account for XXXX, XXXX, and XXXX of XXXX. They changed the account from charge off status to delinquent in XX/XX/XXXX. The vehicle is inoperable however to work on improving my credit I began making payments on the account after the charge off. The account is reporting past due over {$8500.00} with a balance due of {$9000.00}. XXXX  reporting strategy is causing me to show as if I have an account that is open and seriously past due. Lenders are more likely to work with you if there is a charge off account that you are paying down verse an account reporting as open and over 150 days past due. The account had been charged off and should remain in that status. I am curious to know if XXXX took advantage of tax benefits from charging off the account. I believe this is a deliberate act to further damage their customer 's credit when they default on a loan. I am also not in agreement with the way that they allow you to make a payment arrangement but will not update the credit reporting to reflect the payment arrangement. When you call to speak with their customer service representatives they do not seem to be able to help you beyond making a payment.

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 2021-06-23 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: AES/PHEAA
State: TX

Complaint narrative:
XX/XX/XXXX, I was undergoing a student loan consolidation ( with Fed Loan ) and entered the income based repayment program. As the paperwork was being processed during XX/XX/XXXX through XX/XX/XXXX, AES reported my student loans were delinquent. However, the process was taking longer than expected. I called AES to dispute before it was reported and I was told there was nothing they could do to quicken the process. I also contacted FED Loan who currently manages my student loan debt now and they could not do anything to quicken the process. So AES reported, delinquent payment for XX/XX/XXXX-XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: U.S. BANCORP
State: OR

Complaint narrative:
This Bank illegally froze my account that pulled my credit report approved me for an XXXX CC I have no fraud alert spent three times on phone validing into to activate my card .. Now asking for Documents ( Copy of ID Etc ) that's fully illegal in it self as banks by federal law are not entitled with individuals documents with along all these data breaches etc.. 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 2021-06-23 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: CITIBANK, N.A.
State: PA

Complaint narrative:
We purchased a XXXX XXXX XXXX XXXX ( hair dryer ) from a company named XXXX on XX/XX/21 for {$410.00}. The product was paid for via XXXX using our Citi XXXX ( MasterCard ) credit card. After not receiving the product for a few weeks, we tried contacting XXXX to cancel the order. While still unable to contact them, we opened a dispute with Citi on XX/XX/21. Citi issued a temporary credit for the full amount while investigating the issue. While the dispute was still open, we were able to get in contact with XXXX ( via XXXX ) on XX/XX/21 who informed us that the product had been returned to them, at which point they subsequently shipped it back out to us. At that point, they told us to wait for the product to be delivered, return it ( at their expense ) and they would offer a full refund. At the same time, Citi was also able to contact XXXX and offered the same information / guidance. I had been given a ( new ) tracking number via XXXX XXXX and could see that the item was in transit so I was satisfied with the resolution and Citi reversed the temporary credit. Unfortunately, the product never arrived with only a few tracking updates via XXXX and has been held up in customs ( XXXX XXXX ). It also appears that XXXX has gone out of business as I have had no success contacting them. Upon contacting Citi, they have told me that the dispute is closed and there is nothing further they can do other than offer a complementary credit for a lesser amount, which I have not taken. Upon asking to speak with a Citi supervisor, they informed me that that their dispute department should NOT have had the original dispute closed until the issue was fully resolved, but that since it was, he reiterated that there is simply nothing they can do.

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 2021-06-23 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent letters about some items on my report. I have not recieved any response back. I feel like my letters are being ignored. This is very frustrating and this is causing me unecessary stress. I have done my part and followed the law but I have not been awarded the same courtesy from the credit bureaus. I request a response and demand for these items to be immeadiately removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was fully approved for an SBA loan with XXXX for XXXX XXXX XXXX ( XXXX XXXX ) which went into a financial crisis during the pandemic. In the process of trying to recover XXXX XXXX and purchase another vehicle to get back to work with the funds provided the bank ( Capital One ) interfered by freezing my account for CPR investigation.When all documents requested were sent followed by an email from the lender ( XXXX  ) confirming approval my funds plus my refund deposit were still withheld. Due to this issue, my company is unable to prosper.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: MS

Complaint narrative:
On XX/XX/XXXX I opened an online checking account at Sun Trust 's online banking website for their XXXX Debit card. I transferred {$5000.00} into this account from my XXXX XXXX account. Then went back online to get a direct deposit form for my employer and was unable to login. My Debit card arrived in the mail that day so I called to activate the card I was told that my account was frozen and that I would need to call the next day to speak to someone. I did call. I ended up speaking to someone who was not in the lower 48. Could not understand anything they were saying and was transferred to someone in the US. I was told that my account was me being investigated by your fraud department and that SunTrust was still currently looking into my account and that I would receive a letter in the mail stating the outcome of your fraud departments investigation. I then demanded to speak to someone that could help answer my questions. That person had no answers for me either. I then had to ask to speak to someone else. That person was unable to give any answers as to when my funds would be released to me. XXXX XXXX at their Tennessee office who is a supervisor of another supervisor could not provide me with answer as to why SunTrust is holding my {$5000.00}. No one at SunTrust can answer why or when? I was given another number for their Account Security and Claims team at XXXX. This is an off Shore customer service call center. No one there could tell me what was going on or when my money would be received,

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 2021-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc.
State: NJ

Complaint narrative:
I check my credit reports regularly almost everyday through my XXXX  & XXXX XXXX Apps to make sure all is well. On the morning of XX/XX/2021 I was notified my score had decreased by 33 points due to a Collection. I was immediately curious & upset because I havent received anything from any collection agency. I logged into my XXXX account & seen a collection account for {$150.00} on my credit report from a company named AR RESOURCES INC, XXXX XXXX XXXX XXXX, XXXX XXXX, PA. Ive NEVER received ANY PHONE CALL from this agency & Ive NEVER received any letter!! I dont even know of anything where I would owe {$150.00} because I pay all my bills & again, I havent received any type of communication about a {$150.00} debt!! Now my credit score has dropped horribly because of this company! If I hadnt checked my credit report I wouldnt have known anything about this company. I dont have any idea who this collection agency is or what the collection is for or from. Can this please be investigated & completely removed from my credit reports history? I need this to be removed & stopped before it attacks my XXXX  or XXXX  credit reports. I will attach a screenshot of what I seen on my XXXX  credit reports. Thank you for ALL your help.

Company response to consumer: Closed with explanation