vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
i purchased a blue bird card start kit at XXXX XXXX store # XXXX on XX/XX/2020 and loaded {$230.00} onto card # XXXX i used the temp card with no problems, i registered it and recieved a new permanate card shortly there after. card # XXXX wich states my name INCORRECTLY ... ... ... ... ... ... .. MY NAME IS XXXX XXXX not XXXX XXXX XXXX i took my last name back in divorce so who you think you are or gives you the right to decide for yourselves witch last name i will use is not your place, but more important the new i tried using it for the first time it would not go thru saying card error for a purchase at store # XXXX on XX/XX/2020 for {$25.00}. 
so paid with cash the {$25.00} and went to customer service and made a balance inquiry wich stated there was a total of {$62.00} balance on card ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .AND theres no transaction history what so ever of purchased made at all. so where is my {$62.00} and store credit for an on line returned item for {$30.00}?????????? 
after much wasted time trying to resolve this online and over the phone i want someone to answere me and have an explanation how you are going to get this resolved without me wasting any more of my time. including getting a replacment card with my legal last name of XXXX. 
XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: CA

Complaint narrative:
A company named Afni, Inc has been bugging me by calling multiple times to over the phone an dnow by sending me collection notice for an account I never owed. Each time they failed 'The Verification of Debt ', my name, my address and the account number. It has been asking me to give my social security number too which I denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This account was opened fraudulently in my name. It was disputed buy all 3 credit reports and moneylion removed the account from two of my accounts the re-entered an update the fragile information on my Experian report. I haave provided police reports and fraud Affidavits and the account is still reported. I have made several attempts to contact them but I am hung up on every time

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I have 2 paid collections that are still showing on my credit report.

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 2020-06-11 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: AR

Complaint narrative:
My brother informed me that I received a letter in he mail from where I use to live stating that I owed a debt of some type. I did a little investigating and I was told that someone had given my name and social security numbe4r to open accounts. They have the wrong person, I decided to pull my credit report it showed the exact same thing and some inquiries that had been pulled under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
THERE ARE XXXX CHARGES FOR CASH ADVANCES ON MY CREDIT CARD WHICH I DIDN'T EVEN HAVE THAT MUCH ON A CREDIT LINE I REPORTED THE FRAUD TO BANK OF AMERICA SO MANY TIMES ON THE PHONE IN WRITING SO MANY TIMES ITS STILL ON MY CREDIT REPORT NONE OF THE CHARGES WERE AUTHORIZED OR VALID I WANT ALL THE CHARGES REVERSED THEY WERE REVERSED AND THEN THEY DECIDED TO PUT THEM BACK ON MY CARD???? 
NONE OF THE CHARGES ARE VALID ...

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 2020-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have been unemployed and faced hardship with my mortgage payment. During that time I have been a full-time student working toward my XXXX license. With COVID-19 and my experience, I have been able to gain full-time employment checking temperatures of workers entering the building. On XX/XX/2020 I contacted Shellpoint to discuss arrangements on my past due balance and was advised they couldn't help me and that my property was in foreclosure. My past due amount is {$12000.00} I would like to pay {$7300.00} today and get assistance with the remaining {$5100.00}. Please help to resolve this issue. 
Thank You XXXX 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 2020-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I have the monthly payment of XXXX + XXXX going to principal only. This is set up on a military allotment and has been for some time. I have attached the pay statements that show the money leaving my pay each month for the last several months. When XXXX/XXXX   went bankrupt and Shellpoint took the mortgage in XXXX I attempted to change the allotment code to Shellpoint 's code but not a single person out of approxiamately 15 people that I spoke with knew what I was talking about. My latest mortgage statement reflects that I have delinquent payments that are keeping me from buying a home. I have spoken with numerous people over the course of 13 days and never accomplished anything. I was told that I would be called back and never received a call. I have attempted to provide the trace numbers for the payments but Shellpoint said they couldn't do anything with them. XXXX XXXX XXXX XXXX can not pull the money back once it has gone to the corporation it was allotted to, it must be returned by the company. At this point none of the monies have been returned and have not been paid to my account either. I paid above and beyond to get my account current to preclude any further delay from being able to purchase the house I'm trying to get. I have had to explain this situation to every single person I've spoken with because I get a different person each time. Even the ones that seemed thart they might actually be trying to help failed to obtain results. As of XXXX XX/XX/2020, I still have not gotten any resolve nor proof that my credit reporting has been corrected. My prposed lender simply asked for a letter that stated that it would vbe reported that I have 0 x30, 0 x60 & 0 x90 days late payments. XXXX in the credit department stated that  she submitted this request on the XXXX of XXXX and when I called today I was told that there was no way to verify this because the customer service representative did not know when credit was reported. I requested XXXX and was told that " I must not have spoken with her because the credit department doesn't take calls ''. A supervisor was to review my file and call me back and a call was never received. Needless to say I've stopped my allottment and will no longer utilize the service that the military provides me because of the incompetance of shellpoint to correctly apply said monies. I'm currently out {$2100.00} that should have went to my account which has a principal balance of less than {$16000.00}. Today 's customer service representative also stated that I had been late 2 times in the last 12 months. As can be seen by my retirement pay statements that is not the case. These payments are made on the XXXX of every month. Please help me get this resolved before I get a mortgage fraud investigation started.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
Santander USA, harmed not only one veteran credit but two. We  paid the vehicle entirely, online. And they repossessed the vehicle and didn't clarify, that by me turning in the vehicle for emergency reasons, that mine and my brothers credit would be affected. Santander USA is doing unethical business practices. 

I was always on time with my car payments and never missed one payment, in the time i owned my car. I had a personal emergency, that caused me to turn in the vehicle, if i would of had better advice than that i would of sold the vehicle. 

So not only, did Santander repossessed the vehicle, i was paying on time which i turned in, they ruined my credit and my brother 's credit, they sold the car, and the money they made out of all the payments i made, and on top of this, they want the full amount owed. 

This is after we had a conversation, and now both myself and my brother who had XXXX credit scores, have bad credit and debt because of this business unethical business finance practice and XXXX XXXX manipulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Prince Parker & Associates
State: FL

Complaint narrative:
On XX/XX/XXXX about XXXX XXXX, I received a call from collection agency. Prince-Parker and Associates, Inc. 

Prince-Parker & Associates , Inc. employee, XXXX XXXX : who has no employee ID, but did give an Account number XXXX as overdue for {$160.00} XXXX said right at the beginning of the conversation that she was reporting me to the collection agency today, XX/XX/2020, unless I paid today and my credit would be impacted unless paid today. 

I asked her to please make sur e conversation Is recorded and give me record identifier of this call. XXXX defused and said their company does not have any procedure to identify a call. 

Next she said that collection letters were previously sent to me, from Prince asking for payment. She read me the letter and date of the letter she said was from Parker Prince to me from weeks ago. 


I asked her to send me the letter. 

I told her I am tremendously familiar with the bill and it is an error on XXXX XXXX and already received one apology from them incorrectly billing XXXX  XXXX, when we disconnected the service and went to XXXX  internet. 

I told her I never received that letter and her reporting me is defamatory. I asked for the letter be emailed to me. 

By the afternoon, I did not get the letter and Called back today and got XXXX supervisor. 

I again requested the letter XXXX said Prince sent already. 

The supervisor sent me a letter from Prince dated today!!!! 

There was no earlier letter than one from today. 

Also the e XXXX XXXX account they are attempting to collect is in error and not owed. We have proof. 

We had XXXX  home phone, XXXX cellular service and XXXX XXXX and discontinued XXXX  when we started XXXX - I have receipt of paid in full for att uverse. 

Regardless, we spoke with XXXX at XXXX  employee ID XXXX MADE a ticket XXXX and said it would be fixed within 24 hours and Att would remove the bill and inform Prince. 

Prince Parker, through XXXX, regardless, threatened to report today to the credit bureaus on the phone call this morning, at XXXX XXXX if payment was not received today. That was their first contact with me. additionally it is pretty clear they also lied and made up a story about previous correspondence Additionally she read from a letter she said was from Prince to me and mentioned dates of letter weeks ago and she said was mailed from Prince to me demanding payment and I ignored their letters. 

I am pretty sure this too is a made up story and a strong arm tactic. 

So, as a recap this prince Parker collection agency seems to be scamming people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.

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 2020-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX XXXX {$3400.00} XXXX XXXX {$32000.00} XXXX XXXX {$350.00} XXXX   XXXX {$360.00} XXXX XXXX {$830.00} XXXX XXXX {$1000.00}

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 explanation
Consumer complaint received 2020-06-11 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 — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
Unauthorized hard inquiry that I did not consent to continue to report in credit report after 2 prior letters to both the lender and credit bureaus no response its been nearly 90 days since the last letter it has damaged my personal credit score XXXX XXXX XXXX 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 2020-06-11 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Unauthorized hard inquiry that I did not consent to continue to report in credit report after 2 prior letters to both the lender and credit bureaus no response its been nearly 90 days since the last letter it has damaged my personal credit score XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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 — Investigation took more than 30 days
Company: Credit Plus Inc
State: TN

Complaint narrative:
I have contacted credit plus both by phone and by mail to request the removal of an unauthorized inquiry on my credit report that was done by me or with my consent and has dropped my credit score it has been over two months it has not been a response and the inquiry remains

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is reporting fraudulent information on my credit report.

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 2020-06-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CASH AMERICA INTERNATIONAL, INC.
State: AK

Complaint narrative:
I burrowed XXXX something dollar and didnt have the time to pay it on time cuz I had a baby and I got some complications after the baby and also I just loss my mom. So I tried calling the collection so I can pay off the loan in full amount and so they can close the case the they opened on me but they werent answering at all, so how can I solve this problem, I dont want the judge to think Im not doing anything to solve this problem and I dont wan na go to jail, I just had a baby XXXX  months ago

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX XXXX XXXX {$3400.00} XXXX XXXX {$32000.00} XXXX XXXX {$350.00} EQUIFAXD XXXX {$360.00} XXXX  XXXX {$830.00} XXXX XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX XXXX XXXX {$3400.00} XXXX XXXX {$32000.00} XXXX  XXXX {$350.00} XXXX   XXXX {$360.00} XXXX  XXXX {$830.00} XXXX XXXX {$1000.00}

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 explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I requested a replacement card three times every time I've been unable to be activated so I have any emails compromised internet and rerouted customer service phone calls I am fed up tired of all this mess is been going on for quite some time now and this is not the only thing that has done this

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 2020-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
A lady named XXXX XXXX called and claims she works for XXXX XXXX XXXX or as she refers to it, " XXXX '' ... she's saying I owe them for a Capital One account I opened in XXXX!! XXXX! It's XXXX now! You're telling me after 12 years you're trying to collect a debt from a credit card that had a {$500.00} limit on it? I had this card when I was XXXX years old and I am now XXXX, going on XXXX. She said it didn't hit delinquency until XXXX which has to be an absolute lie. She's telling me I owe them for over {$2500.00} and that if I do not pay or settle that they will be filing paperwork at end of business today ( XX/XX/XXXX ) to get their legal attorney involved. They say their attorney 's name is XXXX XXXX and he works for XXXX as well. This seems very scammy, very off, and they had the wrong address on my paperwork they sent me via XXXX   but said my correct address to me on the phone. I chose to not give them information or money ... Seems extremely fishy. Her phone number is XXXX

Company response to consumer: Closed with explanation