vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
MY CREDIT SCORE : ON XX/XX/XXXX XXXX, ON XX/XX/XXXX XXXX, -2.

ON XX/XX/XXXX XXXX, - 22 ON XX/XX/XXXX XXXX, -7 ON XX/XX/XXXX XXXX -31 IT APPEAR TO ME THAT THEY HAVE LOST TRACK OF THE BUSINESS, WHEN ON XXXX THEY TOOK 22 POINTS OFF ME I CLOSED XXXX XXXX CHECKING ACCOUNT THAT I HAD SMALL BALANCE AND I WAS NOT USING IT, AND I CLOSED TWO OTHER CREDIT CARD WITH XXXX BALANCE TO IMPROVE MY CREDIT SCORE BUT TO MY SURPRISE IT HAS RESULTED TO LOSS OF ADDITIONAL 31+7=38 POINTS, I HAVE OVER 30 YEARS OF CREDIT HISTORY AND HAVE ALWAYS KEPT MY CREDIT CRISTAL CLEAR NOW ALL OF A SUDDEN THEY ARE RUINING MY CREDIT SCORE I GUESS JUST BECAUSE I JUST TURNED XXXX OFFICIALLY MAKES IT ELDERLY ABUSE, PLEASE HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I am submitting this complaint against, Portfolio Recovery Associates, for re-reaging a debt, through false reporting of information to Credit Reporting Agencies.. According to XXXX XXXX information contained in my credit report as of XX/XX/XXXX : Portfolio Recovery Associates reports on XXXX : Account opened in XX/XX/XXXX. Balance : XXXX Balance Updated : XX/XX/XXXX ( It should be noted, no payment has ever been made on this debt, after XX/XX/XXXX ) This was an account Portfolio Recovery Associates purchased from XXXX/XXXX. The original account was written off. Below are the basic details of the original account as reported by XXXX. Original Credit card account details : Creditor : XXXX/XXXX. Account Opened : XX/XX/XXXX. Balance : XXXX Last Payment made : XX/XX/XXXX Current Status : Written off/Closed. This information confirms that Portfolio Recovery Associates, purchased a debt from XXXX/XXXX, which had been established as Charged off. Portfolio Recovery Associates then re-aged this debt, by reporting to the Credit Reporting Agencies during XX/XX/XXXX, that this debt was opened on XXXX. This is beyond the 6 month period between the last payment made and the account being charged off ; Furthermore, according to the original debt holder, XXXX/XXXX XXXX  own reporting shows this account was not written off and closed until XXXX, after the date Portfolio Recovery Associates claims the debt began. This will cause the debt to remain on my credit report beyond 7 and a half years, possibly longer as Portfolio Recovery Associates seems to continue to report updates to the balance and has already increased the original balance of the debt from XXXX as reported by XXXX/XXXX, to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 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: GA

Complaint narrative:
I am the victim of identity theft. Upon knowledge of the violation, I spoke with Police and obtained a report, obtained an identity theft affidavit which I had signed and notarized. I included all of the fraudulent accounts as well as my ID and mailed it to the credit bureaus. XXXX and XXXX immediately removed the accounts. However XXXX came back said that my police report wasnt sufficient. Equifax completely ignored my statements and have refused to remove items from my credit report within the 5 day period as stated on the FCRA. After calling day in and day out to resolve this conflict, a dispute center manager from another country refused to assist me with moving forward and notified me that it will take 45 days for the items to be removed. The items were mailed on XXXX I was then notified on XX/XX/24 that the disputes sat in a P.O. Box for 2 weeks before being opened. These credit bureaus are criminals who outsource vital information to people in call centers who barely speak English. Someone who doesnt have a social security number shouldnt or wont be effective in resolving conflict with the bureaus and consumers shouldnt have to deal with credit bureaus negligence. Customer service reps at all of the bureaus need to be fully knowledgeable about the FCRA and the governing laws that they must abide by. Despite me reading my disputes and going over the FCRA, the dispute manager refused to assist me with the timely removal of the inaccurate info. My investigation numbers are XXXX, XXXX and XXXX. I sent all of my documents together so it SHOULD be under one number but because they are so unorganized they extenuate the circumstances and handle resolutions very carelessly. They must be held accountable. They should also remove XXXX XXXX information as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-08 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Ive contacted equifax several times since XX/XX/2019. They are able to verify my identity over the phone, but the website does not allow me access to my reports or the dispute center because the identity verification process asked me questions that were irrelivent to me like where did you open a mortgage account what is the monthly payment on this account etc. Equifax has completely locked me out of accessing my account online.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Given my cash receipts of $ XXXX and the bank is at risk on any negative balance is XXXX to {$50.00} maybe? That return on my account for the bank is extortion, usury and virtually a thuggish shakedown. 
I need to have the {$240.00} returned in full and the bank needs to stop nickel and diming me on bounces that take the balance to a negative balance of less than {$5.00}. I will download all my account statements from day one to add up all your fees. If they are larger than a small claim, I will forward to an attorney. 
I do not want overdraft protection on my Debit Card, if the money is not there DECLINE the purchase, full stop the NSF charges. Confirm that our debit cards DO NOT HAVE Overdraft Protection and that purchases will be declined if there are no funds. 
Your bank can't get my ATM limit correct it is set at $ XXXX/USD for a 24-hour period. When I am in XXXX Wells Fargo limits my ATM withdraws to {$350.00} XXXX? Just to get additional transaction fees. 
When {$350.00} AUD is only {$240.00} USD. I should be able to withdraw {$500.00} AUD= {$350.00} USD! Please correct. 
I am lodging a complaint with the CFPB in this regard as well as the local state agency and I will post my issues about Wells Fargo on your XXXX page as well as XXXX. 
Lastly Wells Fargo closed without notification to me and for no reason my brokerage account, which I had gone through the laborious task of opening and setting up for options trading etc. When I found out Wells Fargo closed the account it was at a time when I had a lump sum to invest thus denying me the opportunity to make the investment in the greatest bull market in history thus causing me opportunity cost damage, I want the account reopened asap. 
The word will get out that You have new and old-line competition out there and social media makes it a very small world. Ive had this account for years, show some respect to a good customer on a retirement income.

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 2019-07-08 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I am the victim of identity theft. Upon knowledge of the violation, I spoke with Police and obtained a report, obtained an identity theft affidavit which I had signed and notarized. I included all of the fraudulent accounts as well as my ID and mailed it to the credit bureaus. XXXX and XXXX immediately removed the accounts. However XXXX came back said that my police report wasnt sufficient. XXXX   completely ignored my statements and have refused to remove items from my credit report within the 5 day period as stated on the FCRA. After calling day in and day out to resolve this conflict, a dispute center manager from another country refused to assist me with moving forward and notified me that it will take 45 days for the items to be removed. The items were mailed on XX/XX/XXXX, I was then notified on XX/XX/XXXX that the disputes sat in a P.O. Box for 2 weeks before being opened. These credit bureaus are criminals who outsource vital information to people in call centers who barely speak English. Someone who doesnt have a social security number shouldnt or wont be effective in resolving conflict with the bureaus and consumers shouldnt have to deal with credit bureaus negligence. Customer service reps at all of the bureaus need to be fully knowledgeable about the FCRA and the governing laws that they must abide by. Despite me reading my disputes and going over the FCRA, the dispute manager refused to assist me with the timely removal of the inaccurate info. My investigation numbers are XXXX, XXXX and XXXX. I sent all of my documents together so it SHOULD be under one number but because they are so unorganized they extenuate the circumstances and handle resolutions very carelessly. They must be held accountable. They should also remove Chex Systems information as well.

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 2019-07-08 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: GA

Complaint narrative:
I have disputed items with Equifax back on XX/XX/2019 and they have failed to respond. I have also sent them a notice that they failed to respond and they have ignore my request to dispute items that are reporting on my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I called Midland Funding LLC at least five times last month attempting to get a settlement figure on a debt from 2014. 
Their response each time was that they hadnt finished calculating the total debt which I interpreted to mean they wanted a blank check to attempt to get as much as they for a debt they likely paid pennies on the dollar for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIRST HORIZON BANK
State: VA

Complaint narrative:
I called XXXX XXXX XXXX at least five times last month attempting to get a settlement figure on a debt from 2014. 
Their response each time was that they hadnt finished calculating the total debt which I interpreted to mean they wanted a blank check to attempt to get as much as they for a debt they likely paid pennies on the dollar for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
Debt was paid. I do not owe national credit adjusters or XXXX XXXX XXXX. The date is XX/XX/2018 XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: USCB Corporation
State: CA

Complaint narrative:
This is the second time I have complained about this account being on my credit. 

I enrolled in XXXX XXXX back in XXXX or XXXX of 2018. I did a few assignments on introductory to high school and cancelled. I guess that didnt matter when I stated in my last report that I had canceled and they straight up lied saying that I hadnt canceled. 

I started receiving phone calls DAILY, two or three times a day saying that I owed money to them. I did not take or finish any courses at all. It was only the first part of introduction to high school. 

This should not be considered a student loan because money was not distributed to me to pay for anything like books or whatever else a student loan would cover. I have complained before about this companys shifty policies and I know that Im not the only person that has had an issue with them. 

I have been working slowly on my credit and take full responsibility for the credit that I do owe. However, I do not owe XXXX XXXX {$1300.00}! I dont owe them anything! I am not paying {$1300.00} for an introductory course to High school. That is just ridiculous! 

For one I logged into my account with them for the first time since canceling and the number do not match! My account with them states that I owe {$1000.00}. As I stated before I dont owe anything as I did cancel. 

I humbly ask that this be removed from my credit from all 3 Credit Bureaus and ask that this company is looked into for their shady policies and tactics. 

I will be attaching screenshots from my XXXX XXXX account and also filing a complaint with the XXXX yet again.

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 2019-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: MA

Complaint narrative:
ELAN XXXX XXXX, While reviewing my XXXX/XXXX/2019 Statement attached to this complaint, my new balance shows {$4200.00}. In the automated response it states that my balance is {$4200.00} and increase of {$30.00}. I called and spoke to a Supervisor, XXXX badge number XXXX. XXXX could not clarify why the difference in the two amounts. I reminded her that all fees must be disclosed to consumers by government mandate. I am requesting an explanation and why backdoor fees are being added without knowledge to consumers.

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 2019-07-08 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: NC

Complaint narrative:
On XX/XX/XXXX, I received notification from Experian that they have upheld a fraudulent negative payment reported to them by XXXX despite evidence provided to them and to XXXX that this account was paid in full and the payment cleared my bank. This account not only was never late, but was paid in full in XX/XX/2019.

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 2019-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Hello, I recently sold some of my investments with coinbase.com and received the money through PayPal. Paypal is a service that I used to transfer the money to my bank account. The money XXXX was sent to PayPal and everything was fine but when I tried to use PayPal to send the money to my bank account PayPal would not let me. First I tried XXXX and it was denied then i tried XXXX and it was also denied. Then I received a text message asking if I was the one who authorized this withdraw and clicked yes but still they would not let me process any money and they even put my account in a limitation status ( meaning I cant use it for anything but receiving money ). I then called them And they asked me to submit private information online like bank statements, my social security number, proof of transactions and proof of address. I submitted everything and was told a decision will be made in 72 hours. After 24 hours a decision was made to close my account for the safety of PayPal and that my funds will be released in 180 days. I understand that they closed my account but holding my money for 180 days when I have done nothing fraudulent or wrong is a abuse of financial power. I have children, bills, rent please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 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:
XXXX XXXX and XXXX XXXX was disputed under the fcra with wrong social also sent the police report and the ftc violation they have failed to do anything about its been 45 days and counting which is against me Rights under the FCRA law

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 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:
XXXX adding on the complaint from previous dispute ftc and police report was sent have them remove the violation

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 2019-07-08 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: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX XXXX and best buy was disputed under the fcra with wrong social also sent the police report and the ftc violation they have failed to do anything about its been 45 days and counting which is against me Rights under the FCRA law

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lending Club Corp
State: PA

Complaint narrative:
I have been receiving collections calls from Lending Club when my account is current. They always start by saying my account is current but I'm delinquent for my XXXX payment which makes zero sense. After a few moments they realize I was loaded into their dialer in error and that my account is current. I ask to speak to a manager to have this resolved and I have simply been hung up on. I am now worried I will be reported negatively for this debt that is indeed being paid on time. The collections department has shown no concern with my matter once they realize I have no debt to be paid. Nobody will look into why this is happening to me and I simply have the call disconnected every time I ask to speak to a manager,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am being overcharged for mortgage insurance, as highlighted on the attached amortization schedule, which was provided at the closing on my loan, and on my payment schedule printed from the lender 's website.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL

Complaint narrative:
Services at XXXX XXXX XXXX were not submitted by them to our insurance carrier, XXXX. These services were provided in XX/XX/XXXX. We never received billing for the services until a Final Notice was sent XX/XX/XXXX, almost 5 months after the service. Within two weeks we received a notice from a collections agency for the debt in the amount of {$360.00}. The Final Bill from the provider indicated our insurance had been billed when in fact this was not the case. The provider admitted they had not submitted to insurance but claimed it was now too late. We contacted XXXX  who indicated we could submit the claim directly which we did. According to XXXX they have paid the claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have been trying to get these accounts removed from my report because these accounts are were closed because they dont belong to me and they were never late. 

I have contacted the Capital One Bank, XXXX, XXXX and XXXX and all I have received from the credit bureaus on behalf of the Bank was excuses such as We cant find your file or send us more information at doesnt exist in short these excuses continue unchecked by the Govt and have been irreparably harmed.

Company response to consumer: Closed with explanation