vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-14 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: TX

Complaint narrative:
XXXX XXXX should not be reporting to Equifax ; Experian and XXXX  a collection/chargeoff of {$380.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The date of last activity on this account is 2013 and this account is well over ( 7 ) years old and therefore should not be reporting at all. This false reporting is seriously harming my credit score and this line item needs to be removed. It is violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX XXXX as well as the bureaus to remove this however, I have not been successful.

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 2021-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ADVANTAGE RECOVERY SERVICES, INC.
State: SC

Complaint narrative:
I receive a telephone call from " XXXX with XXXX Advantage Recovery '' stating there was a claim associated with my sister 's social security number. The number she called from is XXXX. This call was made to my cell phone. Another call from the company was made from telephone number XXXX ( which looks like a local number in my area ) to my cell phone and XXXX to my home phone. " XXXX '' attempted to verify the last 4 digits of my sister 's 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 2021-04-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Consumer had a dispute with XXXX Bank which went to Federal Court but was resolved before trial. 
Bank of America used the fact that consumer was litigating a credit matter with XXXX Bank as an excuse to close consumer 's credit card in violation of Federal Law. 
No derogatory information exists on consumer 's credit report and consumer 's credit score is considerably higher than Bank of America claims.

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 2021-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I tried to purchase a XXXX from XXXX  and the person kept giving me the run around after I already sent him money and I just want my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I financed a vehicle through Ally Financial auto in XX/XX/XXXX. In XXXX, I attempted to change the payment date online from the XXXX of the month to the XXXX. I cancelled the payment for the XXXX and made a payment for the XXXX. They took a payment for the XXXX and the XXXX. I tried to get a refund and was told it takes XX/XX/XXXX business days to send the info to another department and they have XX/XX/XXXX business days to send it to another department who has XX/XX/XXXX business days to send me a check. I contacted my Credit Union and made an unauthorized deduction report. The money was back in my account in 2 days. So, I refinanced the loan with my Credit Union and got a 10 day payoff amount. I went on line and made a payment for the balance the day after the refinance money was in my checking account. I waited for the money to be transferred for about 10 business days and nothing happened. I called Ally Financial and was told the payment was scheduled for XX/XX/XXXX. Why would I get a 10 day payoff amount and schedule it for 4 months later? The person on the phone said I needed to change the date and she would walk me through the process. I kept her on speaker and brought up the account online. When I tried to change the date, the calendar would not change. I had to close the online site and reopen it. And after another few attempts I was able to get the calendar to change. I then asked why the payoff amount was more and I was told there was a XXXX dollar a day charge which added to the balance. This is the most difficult financial group I have ever had to deal with. Why would anyone get a 10 day payoff amount and schedule the payment for XXXX? My experience times a few XXXX more means big money for them.

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 2021-04-14 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: EQUIFAX, INC.
State: MS

Complaint narrative:
on XX/XX/2021, I sent Equifax and XXXX  letters regarding inaccurate and incomplete information that they are reporting on my credit report and has not given me any documentation concerning these negative tradelines. I have attached copies below of the letters that i have sent to the collection agencies as well. no one responded and it should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: MS

Complaint narrative:
I reached out to CREDENCE RESOURCE MANAGEMENT , LLC @ XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX on XX/XX/2021 about a alleged debt of {$200.00} that i dont owe.As of yet, i haven't heard from them concerning the information i requested them. This is damaging to my credit and stressing me out with this inaccurate item place on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: ID

Complaint narrative:
I recently contacted this company who holds my mortgage to inform them that a divorce had happened and that I was awarded the home. I was informed by Mr XXXX XXXX that all I had to do was send in the divorce papers, a pay stub and a statement saying that I could afford the payments. Mr XXXX then proceeded to tell me that the easiest way was to refinance the home. They were going to add {$8000.00} to the loan, drop my interest rate 0.5 % and my payment by only {$30.00} per month. Then I was told that because a modification was done due to covid-19 that I had to wait until six payments were made. I then asked them to just remove my ex husband from the loan and that I had already submitted the required documents. I also spoke to their customer service team who verified that I had done everything needed to remove my ex 's name from the loan. Mr XXXX 's supervisor then tried to tell me that a refinance was required. This is contradictory information and I feel this company is highly unethical in that they only wanted to do the loan refinance to gain more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Card Receivables Fund Incorporated
State: IN

Complaint narrative:
Hello! 

I have a listing from UNIFUND, LLC on my credit report. I have asked for verification of the debt via mail and fax multiple times since XX/XX/XXXX and even from earlier in XXXX with the help of a credit repair company. I have the receipts for the most recent attempt to attach. They have failed to respond to my requests and they continue to report on all of my credit reports. They have failed to provide any proof that I owe this debt - including a signature or written contract. 

The debt they are claiming that I owe is already listed on my credit report - so they are " double dipping. '' I'm looking for assistance with this company because they fail to respond to reasonable requests to verify that I actually owe a debt to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Had more than 30 days to respond never responded

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I received a copy of my of my credit report and noticed fraudulent accounts on my credit report.Reference number XXXX date of service XX/XX/XXXX balance {$1000.00}, reference number XXXX date of service XX/XX/XXXX balance {$710.00}, reference number XXXX date of service XX/XX/XXXX balance {$1000.00}, reference number XXXX date of service XX/XX/XXXX balance {$1600.00}, reference number XXXX date of service XX/XX/XXXX balance {$1600.00}, reference number XXXX date of service XX/XX/XXXX balance {$1000.00}, reference number XXXX date of service XX/XX/XXXX balance {$1600.00}, reference number XXXX date of service XX/XX/XXXX balance {$1000.00}, reference number XXXX date of service XX/XX/XXXX balance {$1100.00}, reference number XXXX date of service XX/XX/XXXX balance {$16000.00}, reference number XXXX date of service XX/XX/XXXX balance {$1100.00}, reference number XXXX date of service XX/XX/XXXX balance {$780.00}, reference number XXXX date of service XX/XX/XXXX balance {$780.00}, reference number XXXX date of service XX/XX/XXXX balance {$1600.00}, reference number XXXX date of service XX/XX/XXXX balance {$310.00}, reference number XXXX date of service XX/XX/XXXX balance {$160.00}.

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 2021-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I received an offer from Barclay Bank / XXXX XXXX Mastercard on XX/XX/2021 to upgrade my card to the XXXX Plus account. The morning I received it I clicked on the link and it would only take me to the homepage for the credit card. I called and spoke with a supervisor XXXX XXXX XXXX who asked me to forward her the offer ( which I did XXXX. 

She agreed it is a definite offer and their mistake ( that the link does not work ). And that it is not right to be offering me something and not delivering on that offer. She was going have a case opened and most of the time they honor it in the end. Well, that is not the case here. 

I called a couple times since then and was told " they are still reviewing. '' Finally I called this morning and was told, " That offer is no longer available so I am unable to receive it. '' I got really upset because that was a convenient response for them to not have to honor it. I did try the MORNING I received it to accept the offer and have been waiting OVER A MONTH for their response to my claim. 

This is NOT OK. I have everything in writing. I pay my monthly bill in full and a lot of times EARLY. I am a VERY good customer! 

They can't just do this to people and get away with it! FALSE ADVERTISING is against the law!

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 2021-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Block, Inc.
State: NJ

Complaint narrative:
I have received about 20 text messages from XXXX collection group telling me to pay XXXX XXXX, first {$920.00} and now {$620.00}, using their site.. Sometimes they stop a few days then start up again. It has been going on for about 2 months, yesterday is the most recent attempt. It sends a link where I can connect to and pay. A person claiming to be XXXX XXXX called me in XXXX this year telling me my sister owes him money, did not say how much. His number is XXXX. I told him my sister had a major XXXX recently but I have not seen her in over 2 years as she moved away and because of fear of Covid I do not travel. He started to bad mouth my family. This debt was paid by my sister but the text messages are still being sent to me. When I texted back, " Fraud '', the response was that they did not understand my message. I looked up the number and found that over 2000 complaints have been filed against whoever owns this number, there are a group of numbers, are similar. I am unable to block them. I want to report them, both the person who wants the money, and the " collection '' link.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
In late XXXX I refinanced my home loan with XXXX. My first payment was due on XX/XX/XXXX, which I paid early to ensure it was effective on XX/XX/XXXX. I was later notified that my mortgage was sold/transfered from XXXX XXXX XXXX XXXX XXXX XXXX ) to Mr. Cooper on XX/XX/XXXX. I don't know the exact date, but in mid XXXX Mr. Copper started showing my mortgage was past due on their website and in letters to me. I called to explain I paid my XX/XX/XXXX payment to The Money Source and asked how I could help get this corrected. I was told there was nothing I needed to do and that there was a 60 day grace period. On XX/XX/XXXX I receive a letter in the mail from Mr. Cooper stating I was in default for being over 30 days late and offering me options to short sell my home. I immediately called and was sent through the debt collection department as part of trying to clarify that I believe it was a mistake. After being asked about if I was in financial trouble, asked for additional personal contact info, they eventually acknowledged the payment was received and I was not in default. They then proceeded to offer me options to buy additional services through them. It is wrong that a mortgage company would notify a client that their mortgage is in default and past due during the first 60 days after a loan is transfered/sold when payments were made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: HI

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
On XX/XX/2021 I received an alert from XXXX XXXX of a derogatory mark on my XXXX  report. It was from RCVL PER MNG or Receivables Performance Management for {$100.00}. I have never been notified of said debt. Nor received a right to dispute notice. Was never notified of the company that sent my debt to RCVL PER MNG. I have disputed via 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 2021-04-14 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:
I am a victim of Identity theft and have some fraudulent inquiries on my credit profile. I filed an Identity theft report with the Federal trade commission. I've attached it along with my identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: AR

Complaint narrative:
Experian credit Bureau has failed to remove items off my credit report that I have proved did not belong to me or have and incorrect information attached to said accounts

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 2021-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: MI

Complaint narrative:
Hi I am a WISE formerly TRANSFERWISE, customer from the US. I am sending this email because I didn't see any other way to communicate with WISE to get help. I have a lot to say but not enoughtime to get it all out. 

My issue, I can't reach anyone at WISE. My circumstance, my phone was stolen and I am in XXXX, I need to transfer money. I can not because Wise requires me to confirm using my phone. Every time I try to reach a help desk or someone to talk to I am asked to Login.I can login but then I'm asked to verify using my phone which is stolen. I have logged in several times but the only way I can communicate with anyone is by submitting a complaint. 
I just want to transfer money to pay my rent so I don't get evicted. I guess I'll have to use another service. 

Based on my experience there IS NOT a way to contact a representative at WISE though they claim to have customer service staff. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: SYNCHRONY FINANCIAL
State: MT

Complaint narrative:
I've had my TJX REWARD card for many years & have used it responsibly. Furthermore, I've never missed or had a late payment. Recently I had my credit limit arbitrarily decreased by a substantial amount ( {$1300.00} ). I had a credit limit of {$1500.00} and now it's {$110.00}. I called the issuer of the credit card, Synchrony Bank & inquired why was my credit limit decreased even though I have an excellent history with the credit card. Furthermore, I advised Synchrony Bank that their action of decreasing my credit limit reduced my credit score by more than 20 points. I was advised that I would get a response addressing my concern but as of todays date no one has contacted me. I have difficulty how creditors treat their customers, on 1 hand they want responsible individuals that pay on time but ON THE OTHER HAND if the consumer doesn't use their card on a regular basis and remain in debt and often have difficulties meeting there financial obligation, those individuals are shielded from arbitrary actions taken on their account. Synchrony Bank DECISION has had a negative impact on my credit score, credit worthiness, & access to future credit.

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 2021-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Company auto charged me for {$75.00} fee for annual club rewards. This is a Corporate card and I'm no longer with the company and so the account is closing I'm 60 days. 

I've called and requested a partial refund. I was informed that Diners Club doesn't reimburse or prorated these fees. I requested documentation to support that policy. I was talked to rudely from that point and placed on hold for 40 minutes before suspeciously being disconnected.

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 monetary relief
Consumer complaint received 2021-04-14 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:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation