vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-30 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:
I have 30 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: FL

Complaint narrative:
I leased an XXXX XXXX in XXXX, after 3 service calls to replace the Turbo and Catalytic converter, I returned the junker and leased a XXXX model.Audi FINANCIAL double billed me for the XXXX lease and will not answer or return calls to fix this and put my new lease on AUTOPAY. Please go to XXXX website and see the customer reviews, they are all very negative. We wait XXXX hour and they disconnect or promise a callback that never happens. Their claim of great customer service is a fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have 30 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2020-12-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have had a credit line of {$25000.00} with Capital One Bank for over 15 years along with a Checking and Savings accounts. I received a letter from them on XX/XX/XXXX stating that they are closing my Credit Line. I have been an excellent customer over the years and always paid my credit line on time. It is outrageous that with out any formal process Capital One decided to unilaterally close my line. During the holiday season, during covid, for no reason. I have called Capital One, gone to the branch, spoken to numerous people at Capital One. The only thing they can say is " sorry, that is the decision of the Bank. " ( Capital One said there are hundreds of credit lines being closed. ) They offered to take my information and file complaint with the bank, and that within 20 business days I should hear from someone. That is completely outrageous. The compliant number I filed at Capital One is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA

Complaint narrative:
In XX/XX/2018 I entered bankruptcy due to a failed buisness. I had personal guarantees which caused me to file for personal bankruptcy. During this time I had a car loan with Nissan Finance. I never missed a payment and have since payed the car in full. I met all obligations of the loan contract but XXXX  has a negative report against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
On XX/XX/2020 a collection debt was paid in full in the amount of {$680.00} to professional debt mediation INC on behalf of the original creditor XXXX XXXX. The debt is not valid and as of today XX/XX/2020 the debt is still being reported to ( 2 ) credit bureau 's XXXX  and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX of 2020, I made 12 orders for coins advertised as " XXXX XXXX  XXXX XXXX '', and a couple other American currency coins. When i recieved the first order it was immediatly apparent that the coins were counterfeit. Some were magnetic and none weighed properly. All the rest of the orders were also counterfiet American currency, illegal to buy. sell or own in the USA..i immediatly informed PayPal inc. of the problem and requested that they refund my money, which they have refused to do for the bulk of the orders. PayPal profited from illegal sales and Now with full knowledge of the laws against the sale..specifically 16 CFR part 304 and HR2754. The hobbys protection act and subsequent addition to it, prohibiting anyone from significantly assisting in the sale of counterfiet currency. PayPal inc. Did refund one order and my credit card company refunded 3 orders. That leaves 8 orders totaling ... $ XXXX.I have complained to many agencies about this rip off and in more than one written response PayPal has not addressed the issue of the illegally of these sales in any way..only policy..significantly assisting these XXXX companys in counterfeiting american currency. ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
On XXXX went to the emergency room at XXXX XXXX ( XXXX XXXX NJ ) after 2 weeks with symptoms of XXXX XXXX ( I never had a fever but found out later that other symptoms were updated to include unable to taste and issues with breathing ) upon arriving i was giving a oxygen mask in the waiting room. I was told there was no hospital beds. They took blood, i was given a XXXX pump ( which i out grown about 35 years ago before high school ( so the pump DID NOT WORK ) I was giving a paper ( FLYER ) to go take a XXXX  test at a drive up testing site located on route XXXX in XXXX XXXX nj. I was told there was nothing else the hospital can do and was sent home but told if symptoms got worst in which i was unable to speak full sentences to come back to the emergency room. That night i sat in a parked car outside the hospital in case i got worst. 

A week later after my symptoms subsided i took a XXXX  test. 

Not only until i started building my credit score by obtaining credit cards and staying on top of my credit did i notice a sharp drop. ( Maybe a victim of CREDIT PARKING ) Upon reviewing ( Credit Report ) the issues i notice ( Reason for drop is a company called XXXX XXXX XXXX XXXX listed as the creditor sending my MEDICAL information to a collection company called XXXX XXXX XXXX / XXXX who post im in debt for {$55000.00}. XXXX shows is was opened on XX/XX/2020 Ironically i did receive a statement dated XXXX from XXXX XXXX XXXX care in which i now see a details of my emergency room visit. the the company website has them as permanently closed. And at no time have i heard anything from the collection company called XXXX, only info is from my credit report in which is the only reason i know of these charges.. 

On XX/XX/2020 i called the XXXX to XXXX XXXX from the statement i got dated XXXX the person stated i went to the hospital on XXXX for XXXX or XXXX  and that my items was sent to collections?? 

I work in an institution in which i work around around dozens and dozens of co-workers, As XXXX  workers we all have physical contact with a countless number of people.. We are told if you dont feel well, stay home and get checked out. I did that XXXX was new at the time in which everyone in the beginning was looking for fevers, only when i saw other symptoms in which i had but other gotten worst but ive always wore a mask. 

These tactics will only discourage sick people from going to get check only to worry more of hospital bills

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: HEARTLAND PAYMENT SYSTEMS INC
State: FL

Complaint narrative:
I requested a copy of my consumer file from Global Payments and the company refuses to provide it unless I can specify which of their Product Services that I believe contains my personal information and the Merchant or Customer ID. 

Global Payments works with many merchants and provides many services. I have no way of knowing where my personal consumer information is held under their many services and merchants. 

Unless I can provide the exact service and merchant the company is refusing to provide me a copy of my consumer report. This is a violation of the Fair Credit Reporting Act. 

Global Payments Inc. 
XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX XXXX XXXX https : //www.globalpaymentsinc.com/en-us/privacy-statement

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was getting a offer in my XXXX  account - promotions to open a bank of america checking account. I followed that link which has a promotion of {$100.00} to open a bank of america checking account. 
I filled up the application and provided all the information. 
But Bank of America declined my application and my account is not opened.

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 2020-12-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I have yet to be reimbursed payments my identification was stolen someone has used my info on the card as well as was in my region this is ridiculous I reported this for them to help me not take the money that im entitled to and put me on hold and deny my claims this is not fair at all why is this happening and the first time the computer denied it what do they expect for me to do I asked if I needed to make a police report about this but their employees told me no so now what am I supposed to do iv givin them all the information I know then iv been lied to by so many of theur employees I cant believe anything they are saying I want whats mine I did nothing wrong this is my second time being a victim of identity theft but never has it ever been this hard on me to get it resolved can you guys release my money please iv struggled long enough because of this and my claims are legit I was even told another card was ordered under my name I need them to reimburse my account and investigate this or give me what they took from me please Iv been waiting for months now for this to be fixed I need my funds back They are not trying to fix this not to mention they put my account in the lost column and they are misguiding people

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 2020-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX/XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft )

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 2020-12-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
On XX/XX/2020 I suffered a water damage loss which was paid out by my insurance company for approx XXXX. The check was made out to both myself and Carrington Mortgage Services who recently purchased my mortgage from XXXX. Carrington deposited the check instead of returning it to me so I can cash it and pay out the Construction companies that are working. Instead they have made me acquire W9 's lien waivers, licenses etc from my contractors. 2 contractors did not think it was worth the hassle and walked away withdrawing their bids. It is now XX/XX/XXXX and my GC contractor have been waiting for additional funds for weeks and wants to stop working. I have 1 toilet and a shower with a slop sink in my kitchen. No usable kitchen for weeks!!! 

I have submitted inspections, asked for monies, some of which were denied causing me to lay out cash that I now need to live. My account owners voicemail does not work. the Supervisor I have been dealing with is on vacation. I have even spent money to send the a prepaid XXXX XXXX label to mail a check because they want to use the USPS 1st class mail form California. I have done everything I can to work with Carrington. I am now considering refinancing to get away from them. 

My Account Owners voicemail is not working, the supervisor is on vacation and I have spent over an hour so far today with 4 calls that have been incorrectly transferred and being disconnected waiting for another supervisor after 43 minutes. I am again on hold as I type this message. 

My family just wants our house back together from our loss " 3 MONTHS AGO '' PLEASE HELP US!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: TX

Complaint narrative:
On our about XX/XX/XXXX a collection from XXXX XXXX  for XXXX was reported and placed on my credit file. The original creditor was XXXX XXXX XXXX. 
On or about XX/XX/XXXX I solved the problem with XXXX XXXX XXXX and XXXX XXXX XXXX contacted XXXX XXXX  to have the collection deleted from my credit file. The account should have never been sold to a collection company. On or about XX/XX/XXXX XXXX XXXX  issued a record of deletion to all 3 major credit bureaus. XXXX  and XXXX  deleted the file but Trans union did not. Trans Union is reporting a paid collection which is incorrect. I did not pay anything, the XXXX XXXX XXXX XXXX collection amount was the value of cable equipment I returned in XXXX. They lost record of the returned equipment so when I contacted them they immediately found the equipment by serial number and apologized to me for the error. I never owed XXXX XXXX XXXX money and I never paid anything. I have explained this to Trans Union over the phone and in writing. XXXX XXXX  tells me that if Trans Union were to contact them they would verify they sent a record of deletion. I requested a full investigation 3 times but Trans union continues to report the collection as paid and verified.

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 2020-12-30 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: ME

Complaint narrative:
i have tried to file a dispute multiple times over two years with the three credit bureaus. i have supplied verifying documentation. the credit bureaus have not updated the accounts with accurate information. i called the credit company and they said they were not able to supply accurate information or did not have the information required for the report. they requested that i supply them with their own documentation. furthermore, it is clear that the credit bureaus and credit provider have limited the ability for consumers to submit information or to contact them in ways that are significantly detrimental to average consumers. the corporate culture that has been developed is significantly detrimental to certain demographics too.

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 2020-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
On XX/XX/2020 I received a letter in the mail attempting to settle a debt from XXXX XXXX for {$44.00}. I rarely use XXXX and certainly never had a debt and after checking my account there was no debt or any suspicious transactions. I believe Jefferson Capital is phishing me for information or falsely trying to extort money from me. 
I called the phone number on the letter and they refused to give me any information or email associated with this claim without me giving my personal information. I gave them the reference number and my name and they can see my phone number, they demanded my social security number which I'm not willing to give out to a random person claiming to collect " debt ''. They hung up on me when I asked them questions about the supposed claim. 
After researching this particular practice I found many examples of people being pressured to pay for a debt that wasn't theirs. 
The Company is : Jefferson Capital XXXX XXXX XXXX XXXX XXXX, MN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: VA

Complaint narrative:
Schwab 's mobile app won't let me take a picture of the back of my check, thus preventing me from making a mobile deposit. I was recommended to mail in the check, but wasn't guaranteed to arrive ( especially with USPS delays and loss of mail recently ).

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 2020-12-30 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: Nelnet, Inc.
State: GA

Complaint narrative:
Nelnet reported me delinquent in XXXX and XX/XX/XXXX. They claimed to have sent me emails and mail concerning payments that were due but I never recieved them. I have not changed my address or email address as they try to say I have. I have had my gmail account dating back past XXXX. When I spoke with Nelnet they said my payments weren't due for 6 months or unless I was reenrolled into school. When I spoke with them over the phone they have no explanation for why this was not the case and claim they do not have a record of me contacting them. I have been told by Nelnet that I had no payments due, that my account was up to date, and I would have no payments due. This was inaccurate information as they have put me as delinquent for those two months and have significantly lowered my credit for it. I have never made a payment to Nelnet because I have been finishing my degree and have always been up to date with my loans since I have had them as my loan servicer since XXXX. The company claims that even though they gave the wrong information they won't change their reporting and I would have to prove I was in a " coma/dying in a hospital or active military '' during the time they claimed I was delinquent. I was enrolled in school Fall XXXX and Summer XXXX and was told my payments weren't due until XX/XX/XXXX unless I was enrolled in school which I was by XX/XX/XXXX at the University of XXXX XXXX  which was before my first payment was due. This delinquency is inaccurate and they refuse to take accountability for their mistake and remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2020-12-30 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation