vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-25 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XXXX member received a phone from her employer stating they received an unemployment claim in her name and ssn. XX/XX/2021 member received a letter that benefits were received and member received XXXXXXXX XXXX card and capital one card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waterfall Revenue Group
State: DE

Complaint narrative:
I received an alert from all three credit bureaus which are XXXX, XXXX  & XXXX  stating that i owe a debt to them which is false information. I have no knowledge of this debt and tried to contact this company by sending certified letter to Waterfall Revenue Grou XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, NJ. And have not received any response from them. It's my right to protect my credit from people like this. I would like them to prove that i owe this debt and if they can't i need it to be removed from my credit immediately. I pride myself on paying my bills on time this is hurting my credit. They are also listed on my credit as ; WATERFALL REVENUE GROUP & A-1 Collection Service.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: OH

Complaint narrative:
I have disputed the items that are not mine and there some items that is still remaining that needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
Apple Card is reporting erroneous lates on my credit file. That late is from XX/XX/20. I was experiencing hardship during COVID and received a few lates throughout that time that I was experiencing hardship. This was really damaging to my credit. I had high credit limits and all those were all brought down. So not only did my credit utilization XXXX  but with the lates my credit took a huge loss. I am asking that you to please remove the reported lates during the pandemic. I was in contact with you and let you know I was experiencing hardship. Under the federal mandate, CARES ACT, you can not report lates during the pandemic. I have been a long time customer and if you review my file you will see the only time I was late was during this troubling time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I have had a care credit credit card since XX/XX/XXXX. I have paid this card off on more than 3 times meaning the entire balance. I paid the balance in full in XX/XX/XXXX. I received a letter today XX/XX/XXXX stating that my account has been closed due to a periodic credit report being pulled in XX/XX/XXXX that they dont feel Im credit worthy! And also that EVEN though the credit report is old it is their OPINION it wont change. I called the creditor and was placed on hold for a supervisor for greater than 10 minutes without anyone getting back on the phone. I am a XXXX American woman and I feel that my zip code and other identifiable information was obtained and used against me. The csr XXXX could not give me a legitimate reason as to why my account was closed but did tell me I could reapply if I liked to. Which is ridiculous because if my credit is to poor to keep an already greater than 2 years established account open why would I reapply. The website and company also states that there are programs and help for people struggling from the pandemic but that was never offered to me! This company closing my account is negatively affecting my credit and its unfair especially being that the card is not in default well wasnt in default it actually had a zero balance. I have 2 other credit cards with this company and the wayfair account was closed without proper notice or a reason why. I am very hurt and disgusted right now because this is just like redlining but with credit cards. I am a XXXX XXXX  and I have dedicated the last 25 years of my life to help people and to still be treated like a second classed citizen is still troubling.

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 2021-03-25 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: DISCOVER BANK
State: GA

Complaint narrative:
Discover is reporting erroneous lates on my credit file. These lates are from the month of XX/XX/20 I was experiencing hardship during COVID and received a few lates throughout that time that I was experiencing hardship. This was really damaging to my credit. I had high credit limits and all those were all brought down. So not only did my credit utilization skyrocket but with the lates my credit took a huge loss. I am asking that you to please remove the reported lates during the pandemic. I was in contact with you and let you know I was experiencing hardship. Under the federal mandate, CARES ACT, you can not report lates during the pandemic. I have been a long time customer and if you review my file you will see the only time I was late was during this troubling time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: CA

Complaint narrative:
Hello MRS associates collection appeared today on my credit report I called them and explained that I do not owe this debt nor have I ever had any business with spectrum. And to remove such collection from my records immediately. 

I'm a new legal resident to the united states and have never heard of either of those names nor have I had any utilities on my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Leap Credit, LLC
State: WI

Complaint narrative:
On XX/XX/2021 at XXXX someone applied for a XXXX XXXX  under my account. I received one email about it that I missed. Then I got a text from Leap Credit saying my payment was overdue. I logged into Leap Credit and I see the bank information was not mine. So someone changed the bank information to their bank but I'm being charged for the loan, which I can't afford. The login to Leap Credit is my email address and the password is my social security number. I don't know how they got my information. I told Leap Credit I didn't take this loan out and the bank information is not mine but they told me that I owed it. That they sent me emails about it buy I only received the one email. These are the terms of the loan that was taken out. 
ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. 
760.54 % FINANCE CHARGES The dollar amount the credit will cost you {$8300.00} AMOUNT FINANCED The amount of credit provided to you or on your behalf {$2000.00} TOTAL OF PAYMENTS The amount you will have paid after you have made all payments as scheduled. 
{$10000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently the bankruptcy case # XXXX XXXX has been removed from the XXXX XXXX database as proven by the consumer statement as of XX/XX/2021 that is attached to this letter. 
XXXX XXXX is the reporting agency for US bankruptcy courts and did not verify the bankruptcy as stated by Equifax and XXXX, as it has been removed from their database. 
Please remove this bankruptcy from my credit report, as it already has been removed from XXXX. 
I will continue to file complaints with the consumer protection financial bureau as well as a few other agencies as this bankruptcy is causing financial losses to myself and my family. 
Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), you may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after you discover the harmful behavior or within five years after the harmful behavior occurs, whichever is sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I sent a letter way back 3rd week of XXXX to file a dispute on inaccurate and unknown items on my credit report. I sent another letter on the XXXX of XXXX to complain about not having heard anything from them and under the FCRA they have to respond back to me within 60 days and have not received anything until now. I will have to file legal actions if this is not resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
this company is falsely reporting information on my credit file. When I disputed this information it was removed then put back on to my credit report. They did not notify me 5 days before hand by law and i am requesting that this be removed from my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
venmo refused to release my funds even after a 180 day hold venmo closed my account without nontice as to why and put a freeze on my funds i contacted then on many occassions for the last 6 months in XX/XX/XXXX i got an email stating that my account was closed but with no stated reason and that i will not able to use their service and that the funds that are in the account will be on hold for 180 days and upon the complete of the 180 days i will get an email requesting were to transfer the funds to I have yet to receive that email and i have not been able to get any resolution or reason for then holding my funds for i have submitted all the documentation that was asked of me to verify my Identity and the only answer that i have got is that there was nothing more that can inform of nor could they even give me a reason why they said that this is being handled through a special department and they will contact me in 5 business day via email this has yet to be received they are holding over XXXX XXXX dollars of my funds for no reason I have been using venmo banking for over 2year and i have never had any issue untill now.. the last conversation i had with them was on XX/XX/XXXX and the rep told me that this is under review and that it could take up to a year for this review to be completed but not for sure and yet still no reason was given to me as to why for the hold I have had no issues as far as charge backs, disputes. or even NSF payments or deposits this is unfair and in valid banking i have followed and did all that was requested by venmo i have waited out the 180 days I have followed the policy and proceedures why is it that i cant get my money and why cant they honor and follow their own policy and proceedures their actions that they are doing to the consumers can not be legal for them to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On the XXXX week of XXXX, I sent a letter to the bureaus disputing errors on my credit report and have not received any response within 30 days which is stated in the FCRA. I sent them another letter on the XXXX of XXXX to complain about it and still up to this date they ignore my dispute. This highly affects my scores and opportunities and it is against my rights to have them report inaccurate information on my credit report, and not responding to my disputed within the time stated by the LAW. Legal actions will be taken if this was not resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had my account closed by Chase without warning and since the federal policy requires banks to notify their clients of any warning related to a account closure, Chase unfortunately decided to act on bad faith and started the process without notifying me as required by law. I have tried everything, even as far as to visiting a branch and talking with the bank employees, who were overheard saying that they were about to get promoted just for helping a high income individual which definitely spells a violation of the federal law that says banks can not engage in favoritism when engaging in business. The bank has already told me that their decision is final, possibly motivated by a 9 year old report on XXXX I feel this was discrimination since they had no problem with me when I opened it almost a year ago. They started the process of closing my account unfairly and without any good reason on XX/XX/XXXX of this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
XX/XX/XXXX REFUSES TO INVESTIGATE AND REMOVE XXXX XXXX XXXX AND XXXX XXXX FROM MY CREDIT REPORT. THIS COMPANY IS GIVING CFPB XXXX THAT I AM NOT A REAL PERSON AND REFUSIING TO ACCEPT VALID STATE ID SENT TO THEM VIA THIS COMPLAINT TO PROVE MY IDENTITY TO INVESTIGATE AND REMOVE XXXX AND XXXX. I DO NOT ACCEPT THIS COMPANIES RESPONSE.THEY DID NOT INVESTIGATE XXXX XXXX XXXX XXXX OR XXXX XXXX AT ALL AND DID NOT SEND ME AN UPDATED COPY OF MY CREDIT REPORT. IN ADDITION IM A VICTIM OF FRAUD. THIS COMPANY IS LYING AND NOT PRODUCING DOCUMENTS UNDER FCRA SECTION XXXX WITH MY SIGNATURE TO PROVE ALL THESE FRAUDULANT DEBTS, WHICH THEY ARE NOT VALID. XXXX CAN NOT PROVE THIS DEBT IS VALID AND IS VIOLATING LAWSW BY NOT INVETIGATING MY COMPLAINTS. XXXX XXXX AND XXXX ARE REMOVED FROM MY CREDIT REPORT. THEY ARE NOT VALID OR LEGAL DEBTS -THEY ARE FRAUD AND WILL BE REMOVED FROM MY CREDIT REPORT.I WILL SUE THIS COMPANY-XXXX-I HAVE REPORTED YOU TO THREE STATE ATTORNEY GENERALS FOR FRAUD AND ILLEGAL ACTIVITY, NOT FOLLOWING FCRA. IN ADDITION THIS COMPANY IS REFUSING TO ALLOW ME TO ACCESS MY CREDIT REPORT ON XXXX FOR FREE THROUGH XXXX WHICH IS ILLEGAL. REMOVE THESE ITEMS NOW OR BE SUED FOR MILLIONS OF DOLLARS AND PROSECUTED BY THREE STATE ATTORNEY GENERTALS OFFICES!! 

REMOVE XXXX XXXX XXXX AND XXXX XXXX FROM MY CREDIT REPORTS, OR I WILL KEEP FILING COMPLAINTS AND LAWSUITS UNTIL YOU DO!! THESE ARE FRAUD AND XX/XX/XXXXTRANSUNION AND XX/XX/XXXX DID NOT AND CAN NOT PROVE THIS ARE LEGITIMATE DEBTS. THEY ARE ALL VIOLATING FEDERAL AND STATE LAW AND HEADED TOWARDS MILLION OF DOLLARS IN LAWSUITS BY ME. IVE REPORTED XXXX TO THE DC AND CALIFORNIA ATTORNEY EGNERAL WHERE YOU ARE HEADQUARTERED. THESE COMPANIES HATE OUR NATIONS VETERANS AND WOUNDED WARRIORS AND DISCRIMINATE AGAINST XXXX PEOPLE, XXXX PEOPLE, AND XXXX VETERANS!!! DO NOT SEND THE ATTACHED DOCUMENTS TO XXXX AND XXXX THEY ARE FOR XX/XX/XXXX IN PROVING MY IDENTITY.

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 2021-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Have been trying to get a Payoff from XXXX for nearly a month. My parents passed, and we have the property sold, we are now missing the 2nd closing date and the buyer will walk. XXXX has led us along with stacks of paperwork requests which have fulfilled every time yet still refuse to provide a payoff statement. They add more and more reasons for not providing it every time. They have death certificates, payoff requests, copies of final probate court order, you name it yet still now payoff. The title company can't close without and we are being forced into financial hardship when its a simple payoff request and the sale closes. Horrible how that do this to innocent families during our most difficult time.

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 2021-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Company called XX/XX/XXXX and I asked for everything to be written communication and no calls. XX/XX/XXXX I received a call from a rep named XXXX regarding the account. When I told her I asked them to not call she said they wouldnt stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Company called XX/XX/XXXX and I asked for everything to be written communication and no calls. XX/XX/XXXX I received a call from a rep named XXXX regarding the account. When I told her I asked them to not call she said they wouldnt stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25 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: IA

Complaint narrative:
Experian and XXXX have kept this negative XXXX collection/closed account but have changed the status just to hide it on my credit report. XXXX had deleted the collection account for some months now. I request a swift deletion from the other XXXX bureaus as experian also is showing it as a charge off and XXXX  shows it as a closed account which is innacurate and needs to be deleted.

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 2021-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
Rash , Curtis and Associates in XXXX, CA continues to keep reporting a false amount owed on a debt. The original debt is for {$2900.00}, and they keep reporting is at increasing amounts every month. They have not contacted me properly, and have tried to collect over {$4000.00} for this, and that is not the correct amount. I continue to dispute the amount on my credit report, but all agencies keep letting them report the wrong amount and continue to let them keep adding more to it. 

Creditors or collectors are not allowed to report inaccurate information to your credit reports, and under the Fair Credit Reporting Act, I have a right to have it removed. Yet, the agencies keep letting them increase it, and the original amount is significantly less. I'm a single, XXXX  mother to a XXXX XXXX XXXX, and I don't know what to do from here. This is not right! 

You can see in the image I am attaching what the original debt should be ; {$2900.00}, and they are reporting over {$4000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX is reporting 2 accounts to my credit report that i do not recognize, i have tried to as them to verify/validate. this debt 4 times and i have yet to receive a signed contract for either account. XXXX has deleted thhem both as thhey are not able to verify/validate this account ... XXXX delteed one ... .transunion has not deleted. any ... .are. they not supposed to follow suite by law? i need this deleted immediately as they are in violation

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 2021-03-25 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I sent a letter way back 3rd week of XXXX to file a dispute on inaccurate and unknown items on my credit report. I sent another letter on the XXXX of XXXX to complain about not having heard anything from them and under the FCRA they have to respond back to me within 60 days and have not received anything until now. I will have to file legal actions if this is not resolved as soon as possible.

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