vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-26 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a loan with CB/XXXX, XXXX XXXXand XXXX/CBNA. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CB/XXXX, XXXX XXXXand XXXX/CBNA with no successful resolution. There was definitely an error on their part.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have a loan with XXXX, SYNCB/WALMAR, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, SYNCB/WALMAR, and XXXX  with no successful resolution. There was definitely an error on their part.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Repeated FORCLOSURE attempts with People United Bank, received {$30000.00} grant what I signed for but {$50000.00} put on title of my house. No one seems to know what happened to {$20000.00}. This is FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: AMERICAN EXPRESS COMPANY
State: DE

Complaint narrative:
I have a loan with AMEX, XXXX XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, AMEX, XXXX XXXX, and XXXX XXXX  with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants Acceptance Corp
State: OH

Complaint narrative:
Made a payment in full to the law firm that Merchant Acceptance hired as a third party of XXXX in the amount of {$1600.00} ( The payment I was told plus The court fees that was added ). The representative I spoke to XXXX XXXX took all my information over the phone stated that I will receive a paid in full letter as well as the court statement that I paid the XXXX XXXX off in full. Before all of this I have made several attempts to pay off the balance with no luck. Until I was finally able to speak to Mr. XXXX @ XXXX XXXX XXXX XXXX ext XXXX on XX/XX/2020 @ XXXX XXXX. To get the matter taken care of. Now Merchants Acceptance is stating that I did not pay anything. The calls in both offices are recorded, so I do know that I paid the balance in full. All they have to do is pull the phone records plus it shows in my bank statement that a lump sum of money was withdrawn from XXXX who represents Merchants when they are sueing people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: CITIBANK, N.A.
State: DE

Complaint narrative:
I have a loan with XXXX/CBNA, XXXX XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX/CBNA, XXXX XXXX, and XXXX XXXX  with no successful resolution. There was definitely an error on their part.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: Tesla, Inc.
State: DE

Complaint narrative:
I have a loan with TESLA and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, TESLA and XXXX with no successful resolution. There was definitely an error on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: PENTAGON FEDERAL CREDIT UNION
State: DE

Complaint narrative:
I have a loan with XXXX, PENTAGON FCU, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, XXXX, PENTAGON FCU, and XXXX XXXX  with no successful resolution. There was definitely an error on their part.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: ARVEST BANK GROUP, INC.
State: DE

Complaint narrative:
I have a loan with XXXX and ARVCNTRLMTG. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX and ARVCNTRLMTG with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: HI

Complaint narrative:
I made a purchase on XXXX, but did not receive the item. XXXX told me to work with my credit company ( Citi Bank ) to get the refund. But Citi was asking me for the proof of cancellation or return. I can not provide none of those evidence because the purchase was never canceled or returned, I have never receive the item at all. I talked to shipping company ( XXXX ) regarding the package, they told me that package is considered as LOST in their system and a refund is issued back to shipper. Citi Bank still refuse to give me a refund ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am concerned that I have been overcharged for the interest and fees on my account and have contacted PayPal Credit on numerous occasions requesting paper copies of monthly billing statements dating back to the time I opened the account in XX/XX/XXXX. I have requested these statements both online as well as over the phone in which I have spoken to several Customer Service Representatives and each time I call I am told I can expect to receive the statements in the mail within 10-14 business days yet the only statements I have received date back to XX/XX/XXXX. I want a paper copy of the billing statements for my account from the time I opened the account in XX/XX/XXXX. I know that the payments I have submitted have not been credited to my account appropriately and since it is IMPOSSIBLE to get a straight answer from any " Representative '' when I do call, I have to do my own investigation in which I will be charging for btw. I have attached a summary of the recorded dates I have called PayPal Credit along with the name of the " Representatives '' I have spoken with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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:
I have disputed the same item at least seven times. This is for XXXX in the amount of {$2400.00} and XXXX XXXX ( the  collection agency XXXX sold the dept to ) for the same amount. On my initial dispute, l was not forthcoming about the family member, who shares my sir name and who was a house sitter for me, during this period of fraud. However, After the initial dispute results came back as- correct and confirmed accurate for XXXX, with only XXXX XXXX being deleted from my report ; l was left with no choice but to provide the Equifax with that information. Despite disputing an additional 5 more times, the results are identical. This has gone on for about five months in total. I believe the results are bias and my dispute is being mishandled by the same group of people. XXXX, XXXX and XXXX have all removed both items. Equifax is the only reporting agency who continues to verify as accurate despite my having a fraud alert and police report on file for identity theft. Please intervene ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Minto Financial dba Minto Money
State: IN

Complaint narrative:
OnXXXX XXXX I had got a loan from them and I was approved {$500.00} but I been making payments, but its saying that I owe them almost {$3000.00} which is too much and I been trying to call them and tell them that I cant afford that right now because I should just be paying the {$500.00} I had got approved for not {$3000.00} thats not what I got approved for so they tried to scam my mother with this same issue she only got approved for almost {$300.00} then they wanted her to pay {$1500.00} for an installment loan so I want to cancel this loan and get my money back because this is ridiculous I cant afford this loan right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: MO

Complaint narrative:
I have received a report on my credit from a XXXX XXXX XXXX XXXX for XX/XX/2020 which I have not been to the hospital none 2020 and the fact that this appeared on my credit Is evidence of identity theft or that the company altering dates and time please correct this the last thing I need is more debt in this global pandemic and I will continue to try and reach out to the company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-26 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: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I have a loan with PORTFOLIO, PORTFOLIO RC  ( Original Creditor : XXXX XXXX XXXX ) and PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX  ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, PORTFOLIO, PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX  ) and PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I have a loan with PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ), XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ), and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ), XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ), and XXXX   with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: CITIBANK, N.A.
State: VA

Complaint narrative:
I have a loan with DSNB BLOOM, XXXX and DSNB MACYS. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, DSNB BLOOM, XXXX, and DSNB MACYS with no successful resolution. There was definitely an error on their part.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I have a loan with PORTFOLIO, PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX  ) and PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, PORTFOLIO, PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX  ) and PORTFOLIO RC ( Original Creditor : XXXXXXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I have a loan with CB/NY & CO and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CB/NY & CO and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-26 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: I.C. System, Inc.
State: VA

Complaint narrative:
I have a loan with XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), I.C. SYSTEM, INC ( Original Creditor : XXXX XXXX XXXX XXXX O D ), and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), I.C. SYSTEM, INC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ), and XXXXL with no successful resolution. There was definitely an error on their part.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: VA

Complaint narrative:
I have a loan with XXXX XXXX, CHRYSLERCAP, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, XXXX XXXX, CHRYSLERCAP, and XXXX XXXX  with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: CITIBANK, N.A.
State: VA

Complaint narrative:
I have a loan with DSNB BLOOM, XXXX, and DSNB MACYS. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, DSNB BLOOM, XXXX, and DSNB MACYS with no successful resolution. There was definitely an error on their part.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: Consumer Portfolio Services, Inc.
State: VA

Complaint narrative:
I have a loan with XXXX/XXXX XXXX XXXX and CNS PORT SVC. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX/XXXX XXXX XXXX  and CNS PORT SVC with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I have a loan with GM FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and GM FINANCIAL with no successful resolution. XXXX, XXXX, and XXXX reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/2019, XX/XX/2019, XX/XX/2019 ), also I was never 60 days late ( XX/XX/2019 ),  moreover I was never 90 days late ( XX/XX/2019 ), lastly I was never 120 days late ( XX/XX/2019, XX/XX/2019 )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have a loan with CCB/DAVIDS, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CCB/DAVIDS, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with non-monetary relief