vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harley Davidson Financial Services Inc
State: NJ

Complaint narrative:
We continue to receive phone calls at home looking for " XXXX XXXX '' and " XXXX XXXX '' - often the debt collectors will not reveal whom they are working for or where they have obtained this information. 

Today I was able to ascertain, after calling back and speaking with a supervisor that Harley Davidson Financial Services had obtained this information via XXXX. We are on the federal do not call list and do not wish to be contacted As these parties are unrelated to us we consider these calls to be harassment. I was troubled by the tactics used by the collector who would first not identify which company she was calling from ( simply that she was " XXXX '' ) until asked, nor was she willing to release information regarding the incorrect data including the source, she simply hung up when questioned about why she contacted us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: TN

Complaint narrative:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Two to three weeks ago, I tried to have a freeze on my credit lifted from all three credit bureaus. I dont remember which one it was exactly. I contacted either Equifax or XXXX I was declined from speaking to someone because they said they couldn't verify my identity. I think they have the wrong address on my person. From either Equifax or XXXX, I was instructed to send a letter containing my name, soc. Security number, date of birth, two documents verifying my identity, signature and intention I did all this and sent letters to all three credit bureaus. Nothing is being done. I only received one letter from XXXX, I think.it was my credit report. I can not get my credit unfrozen after I contacted them and did everything that was asked. I need help with this because they aren't doing anything to fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CHARLES SCHWAB CORPORATION, THE
State: NY

Complaint narrative:
On XX/XX/2021, Charles Schwab Bank closed my checking account with {$200.00} remaining. They provided false information for a month, claiming that a check was mailed to my address on file. On XX/XX/XXXX, they admitted to never returning my funds and claimed that an undisclosed department would provide feedback on why they opted to keep my money in lieu of resolving the theft. I have no outstanding charges, fees or pending transactions that would interfere with the return of my own money from Charles Schwab.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
THIS COMPANY IS REPORTING INCORRECT INFORMATION ON MY CREDIT REPORT. THE ITEMS REPORT INACCURATELY EVERY MONTH BRINGING MY CREDIT STANDING DOWN SIGNIFICANTLY. I HAVE ATTEMPTED TO RESOLVE THIS MATTER WITH THE CREDIT BUREAUS ON THREE OCCASIONS WAITING 40-60 DAYS IN BETWEEN EACH INQUIRY WITH ONLY ONE RESPONSE BUT NO INVESTIGATION REPORT. PLEASE INFORM THIS CREDITOR THAT IF THIS MATTER IS NOT RESOLVED WITHIN A REASONABLE TIME, AFTER THIS CORRESPONDENCE IS RECEIVED, I WILL FIND MYSELF WITH NO OPTION BUT TO PURSUE THIS LEGALLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Wilson, Riley & Associates
State: CA

Complaint narrative:
This company which i believe to be a total scam has called my place of employment multiple times. XXXX from wilson and associates says they will be serving me papers at work and hime address. they also tell me if i make arrangements they can call off the process. my employer has asked them not to call back but they keep calling. i cant find any info on this number or company. please help. thank you for your time

Company response to consumer: Untimely response
Consumer complaint received 2021-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I called Transunion directly @ XXXX. The Agent on the phone was unable to help me after identifying myself. Then their supervisor came on the line and advised me to contact a third party XXXX XXXX  in order to obtain a copy of my Transunion Credit Report and Score. I insisted on reviewing my Transunion Account directly with Transunion not a third party. After providing them with all of the information they requested the Supervisor then had me log into a different site that brought me to their site. I followed the instructions and obtained a new account log in user name and password. Upon reviewing the information on the report it appeared to be incomplete and there was no credit score. The agent said that I had to pay Transunion in order to obtain my Transunion Credit Score. I want my score for free as is my legal right at this time and in the future when I log into my Transunion account just like I am able to with the two other Consumer Credit Reporting Agencies XXXX  and 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 2021-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
Ars LLC says I owe {$200.00} from XX/XX/2020 I am unaware of this account and I have had this removed from XXXX and XXXX  credit bureaus, but XXXX  says they did an investigations as well as XXXX  and XXXX  and this charge belongs to me according to them. 

Please have these removed from my XXXX  credit report as they do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
Two months ago I noticed that XXXX was listed as a debt from XXXX. I recalled that I was XXXX and XX/XX/XXXX just occurred and I dropped out of school and my Grandmother gave me the {$500.00} to repay my XXXX XXXX  to XXXX on XX/XX/XXXX for my birthday because she understood that I lost some close friends and didn't want to continue at that time. 

Currently XXXX a company UAS is claiming I owe them ( an agent of XXXX University ) XXXX ( XXXX + interest ). I was able to obtain a summary of my account with a zero balance because I paid. 

UAS is requesting a copy of a check/money order before removing the default status from my records. I explained that I used my birthday gift from my grandmother to pay this debt. I further explained that I didn't have a bank account as a XXXX XXXX XXXX entering college and paid cash for everything that I got from my grandparents and other family members. 

UAS is saying if I can not produce a document that does not exist that I am responsible to pay {$680.00} for a debt of {$500.00} which I had already paid. I also emailed them the XXXX balance document provided by XXXX 's accounting team. 

I asked XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  ) UAS  representative to speak with the account specialist that makes the decision and I was transferred to XXXX XXXX - supervisor who echoed that I have to produce a check/money order from XXXX! 

I would like for XXXX/UAS to remove this erroneous account and status from my records so I can continue to go to build my future ( credit profile and finish school ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
My XXXX XXXX  was the victim of a crime. He was contacted via XXXX. A stranger persuaded him to accept the images of 2 {$4000.00} checks, deposit them into his checking account and transfer some of the money back via Venmo. 
Check # 1, {$4000.00}, was deposited on XX/XX/2021 Check # 2, {$4000.00}, was deposited on XX/XX/2021 Venmo transfer # 1, {$3500.00} was on XX/XX/2021 Venmo transfer # 2, {$1000.00} was on XX/XX/2021 We've contacted Venmo to dispute the charges but they do not seem to be taking the matter seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: GA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

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 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CBC Companies, Inc.
State: MI

Complaint narrative:
On XX/XX/21 hard inquiry was posted on XXXX XXXX, what inquiry was for and who made this inquiry is unknown.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I am currently applying for a mortgage with Bank of America. I have been working with a loan specialist for more than 6 weeks, since XX/XX/XXXX ( today is XX/XX/XXXX ), and have yet to receive any approval, approval with conditions, or denial. The bank is now also saying that my ratified purchase agreement is not sufficient. I have supplied documents many times, and documents supplied earlier in the process have had to be re-submitted several times due to the loan specialist not processing documentation. I have documentation of emails showing this pattern, as well as every piece of documentation I have submitted ( attached is one example ). I am about to lose the purchase contract on the house because the bank has taken so long to process the loan, and still can not give me a projected closing date or any other information regarding when this loan may be able to close. Should this loan not be completed by next week, I will no longer have an enforceable purchase contract ( too much time has elapsed ) and I will have to start over on a new mortgage and find a new house to buy before my lease is up. I have communicated with managers and higher-up personnel to try to resolve the issue, to no avail. Communication has been difficult with my loan specialist and I believe that my loan is not being taken seriously by the company and the people processing the loan due to my gender and the size of the loan. This has cost me money and massive amounts of my time, far beyond a normal mortgage process.

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 2021-03-11 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I had a XXXX XXXX credit card with a credit Limit of {$500.00}. After few months ; credit company, ( XXXX XXXX ) sent a statement show that I owned {$4200.00} Few years later, the balance become {$310000.00}, Remembered my credit limit has been {$500.00}. I called XXXX  XXXX to disputes the mater with no success. XXXX XXXX sent a letter stated that my account was transferred to Portfolio Recovery Associates, LLC. I then called Portfolio Recovery Associate, LLC to dispute the matter with no success of resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: American Credit Acceptance, LLC
State: TN

Complaint narrative:
XXXX XXXX sold my loan to American Credit Acceptance in XX/XX/2020 without my knowledge. My credit score dropped 60 points because it looks like the loan closed. 
I started paying XXXX XXXX XXXX XXXX XXXX XXXX. 
I called XXXX XXXX in XXXX to ask why they were not reporting my on time payments. 
I was told many different things. 
1. They do not have to report 2. They are short staffed 3. They are putting it in manually and it takes time. 
4. They would start reporting the following month Needless to say they never reported my on time payments. I was told they would report if I was late on a payment. 
I have called every month for 7 months. I have been put on hold for 30 minutes sometimes, I have been hung up on, I have been told they need the name of my consumer advocate so when they called the staff would know who it was. ( this was so disrespectful ) All three bureaus told me their name is below XXXX XXXX on the credit reports and By Law they should have reported 30 days and continued to do so every thirty days. 
I also spoke with a consumer credit attorney who told me to call the Attorney General in Texas .He also said I have consumer rights, They told me to call consumer finance for the government there in Texas XXXX 
I have waited 7 months for this company to report my good credit to the bureau. My low credit score due to their negligence has kept me for getting preapproved for a home loan as of last XXXX. I will have to sign another lease by the end of XXXX if this is not repaired on my report. American Credit Acceptance sent me a copy of all my payments in good standing several months back, it is not up to date but shows my diligence to make my payments on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: OR

Complaint narrative:
I reported an identify theft that occurred XX/XX/2020 to the police and Citi Visa. Citi Visa has not cooperated in lawful reimbursement for these charges.

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 2021-03-11 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: CA

Complaint narrative:
The three major credit bureaus are reporting an erroneous late on my credit file and it must be removed immediately. I had submitted disputes for a late I had with XXXX XXXX for the month of XXXX that was an erroneous late on their part that needed to be removed. I had NEVER been late prior of after this, and like I mentioned they made an error. I had also submitted them a letter with XXXX XXXX XXXX XXXX stating they will be submitting a request to the bureaus to remove the late from my credit file. Well, I recently checked my credit and noticed that a late for XXXX is now reporting and it dropped my scores?! This is ridiculous I was never late!!! I showed them proof that I was never late, and they just went off and gave me a new late for a month that I had never been late!!! This is a serious violation and it must be fixed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The three major credit bureaus are reporting an erroneous late on my credit file and it must be removed immediately. I had submitted disputes for a late I had with XXXX XXXX for the month of XXXX that was an erroneous late on their part that needed to be removed. I had NEVER been late prior of after this, and like I mentioned they made an error. I had also submitted them a letter with XXXX XXXX XXXX XXXX stating they will be submitting a request to the bureaus to remove the late from my credit file. Well, I recently checked my credit and noticed that a late for XXXX is now reporting and it dropped my scores?! This is ridiculous I was never late!!! I showed them proof that I was never late, and they just went off and gave me a new late for a month that I had never been late!!! This is a serious violation and it must be fixed immediately.

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 2021-03-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
My car was totaled in an accident in 2018. Santander was paid in full I went to purchase a new car and found out they were claiming I hadn't made a payment in months. I reached out and they claimed they were not paid off. I provided proof they were and they said that they weren't paid off through the " proper channels '' so I needed to pay them the remainder of the loan. Which I did not agree to and I disputed it with all three credit reporting companies. I was unsuccessful. After a year of fighting with them, I agreed to pay the remainder of the loan AGAIN just to have it removed they then said no. They stated that they would accept the money but not report it as paid off since it was not done in a timely manner. 
So here we are three years later, they are on my credit report as a charge off and a repossession, This is hindering my life and mental status.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
credit card company illegally sold debit too collector but more than once so two collectors are calling and calling family

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: LA

Complaint narrative:
On XX/XX/2021 chime closed my account because they said I wasnt in compliance with its policies excuted at enrollment I have never did anything fraudulent with my account my funds come from unemployment and STIMULAS I had a total of XXXX XXXX in my account when the closed it and chime is refusing to give me my money back I have set documentation to them and that still didnt work I have contacted the XXXX  the first time they told me to send documentation the second time they said that Im not due a refund.it has been 31 days now

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: LA

Complaint narrative:
I file documentation regarding to that unknown and inaccurate account I found on my credit report. It's been more than 30 days now since I've sent it but I haven't received any response yet. I was stress. I am a victim of Equifax Identity Theft. Delete ASAP those accounts or I will file a litigation!.

Company response to consumer: Closed with explanation