vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-28 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: Social Finance, Inc.
State: NJ

Complaint narrative:
I didnt get any help during the pandemic I request payment deferral as the Congress law requirements and they didnt help me and they report all my late payments on 2020. Right now I have all my accounts current but Im getting affected because they report all late payments violating congress law about payment deferral as this situation happens I need all that 2020 late payments remove as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am an American Express XXXX card member for which privilege I pay {$5000.00} a year in fees just to use the card. I called the company to make a payment on my account. I called at XXXX XXXX  on Saturday, XX/XX/XXXX. I called on the dedicated line for XXXX members - XXXX XXXX XXXX. I was on hold for 17 minutes 14 seconds. This is different than the service levels the company advertises when procuring the card so this is a clear case of bait and switch. I called to pay the balance due on my card but I could not get through.This level of service is absurd for someone who is supposedly a good customer and has been so since 1983. This has now happened multiple times and is a clear breach of the customer service agreement I was promised when paying for the card

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Chrysler Capital has been consistently reporting inaccurate information to the 3 credit reporting agencies regarding my account with them for the last 24 months. They report I am 30 days late each month which has damaged my credit score and kept me from being approved for a loan that I would be eligible to receive if they would simply correct their mistake. I sent a letter to XXXX about the inaccuracies and they only corrected 5 months of late payments. When I sent them another letter, they retaliated by sending a letter of " Notice of Right to Cure ''. I have proof of cleared checks from my banking institution for each monthly car payment and I've printed out information from XXXX 's database that logs my monthly payments. There is nothing there that states I am late. Now the letter I received today ( XX/XX/2021 ) was dated for XX/XX/2021 is a Notice of Right to Cure, requesting I pay the full balance of {$4900.00} by XX/XX/2021. XXXX has horrible business ethics and are retaliatory because I am exercising my consumer rights are being violated and my credit scores are being negatively affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: TN

Complaint narrative:
I had a bill for XXXX XXXX XXXX it was paid this debt collector I.C. system I have no knowledge of them and this bill and cant get them to talk to me. I have called for two weeks straight everyday. 
Amount is XXXX Don't have dates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 35 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigation these items within 35 days gives a reason to immediately remove those items from my credit report. It has been way over 35 days and they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My Information was also impacted by the Equifax data breached may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: MS SERVICES LLC
State: CA

Complaint narrative:
XXXX XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX MS SERVICES LLC Original creditor : XXXX XXXX XXXX XXXX - CHECKING OR Account number XXXX Collection opened XX/XX/XXXX So I have already reach out to both companies to let them know these accounts were never mine. Ive send in proof but neither has responded in over 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX I a consumer received a False and misleading, deceptive form pursuant to 15 USC 1692j ( a ) ; and a Billing error on a Bill statement from Capital One. On XX/XX/XXXX I sent capital one a 3 page Debt Validation Letter letting them know that the alleged amount of {$59.00} was disputed and requesting the name and address of the Original Creditor for the account and told them they had to stop all collection efforts pursuant to 15 USC 1692g ( b ) until the account is verified ; and I Sent a ( 3 ) Page Debt Collector Disclosure statement ; and a ( 1 ) Page Cease and desist Letter invoking my specified remedies pursuant to 15 USC 1692c ( c ) ( 1 ) ( 2 ) ( 3 ) invoked are what I put in the Fair resolution of this complaint which was for Capital One to 1 ) XXXX out the account, 2 ) Compensate me for FDCPA violations, 3 ) A permanent credit of {$50000.00} each and every month credited on to my card that I can spend with no daily limit, 3 ) No card account or services interruptions ; 4 ) and that Capital one only reports positively to the credit bureaus ; and I also sent a ( 3 ) Page affidavit of truth letting Capital one know that they were In violation of The following of the FDCPA 15 USC 1692 : 1692b ( 2 ) ; 1692b ( 5 ) ; 1692j ( a ) ; 1692e ( 11 ) ; and I sent Capital One an invoice for the violations along with Exhibit A ; I sent all of the attached documents to this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: Persolve, LLC - Legal - Series 2
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX/XXXX XXXX Account number XXXX XXXX XXXX XXXX is a fraud account which was resloved years ago. 
XXXX XXXX had fraud tied to it XXXX XXXX XXXX didnt hold the the CARES act 2 with the provision on supsending late payments due to the COVID 19

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MA

Complaint narrative:
I got this message from Amerisave, which convinced me to use them for our mortage. we had received pricing for a rate of 2.5 % with points cost of ~ {$5000.00}. 

" Technically, we do not lock your loan until a few weeks into the process. We lock it once we get all your documents back, and once we have gotten certain things from the title company. 
However, your pricing will not be any worse than when we initially move forward. When we lock, if the market is worse than what we initially moved forward with, we will give you a pricing concession to honor our original deal. If the market is better, that will be applied to your loan and you will get better pricing. 
So your pricing can only get better from the day we move forward, it can not get any worse. '' After 3 months of delaying our closing, we were told that to lock the rate of 2.5 %, we would need to pay {$33000.00}. Amerisave blatantly lied about giving us a pricing concession to honor our original deal.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I've made over 20 calls to their customer service and I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. Especially during the pandemic, I can not afford to have my Stimulus check sitting in an account for 180 days because PayPal says so, and no other reason. My email linked to my PayPal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: PA

Complaint narrative:
XXXX XXXX  Accounts opened in the amounts of : {$2100.00} {$610.00} {$170.00} XXXX XXXX Accounts opened in the amounts of : {$450.00} {$300.00} {$150.00} XXXX XXXX Accounts opened in the amounts of : {$690.00} {$410.00} {$120.00} XXXX XXXX Accounts opened in the amounts of : {$900.00} XXXX XXXX XXXX Accounts opened in the amounts of : {$80.00} This letter is being sent to you in response to notices seen on credit report and more importantly, due to your erroneous reporting. Its has highly made a negative impact my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: PA

Complaint narrative:
XXXX XXXX Accounts opened in the amounts of : {$2100.00} {$610.00} {$170.00} XXXX XXXX Accounts opened in the amounts of : {$450.00} {$300.00} {$150.00} XXXX XXXX Accounts opened in the amounts of : {$690.00} {$410.00} {$120.00} XXXX XXXX Accounts opened in the amounts of : {$900.00} XXXX XXXX XXXX Accounts opened in the amounts of : {$80.00} This letter is being sent to you in response to notices seen on credit report and more importantly, due to your erroneous reporting. Its has highly made a negative impact my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-28 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
a few years back my information was taken and used. I found out at the end of XX/XX/XXXXand reported and had many of the issues fixed but the few that refused to report properly to XXXX. XXXX and XXXX fixed them almost instantly. The issues im having is with XXXX/ XXXX XXXX XXXX/ comenity bank . I have already summited FTC reports to XXXX to fix the issues but they do not. I have sent letters to all the banks above with documents of the accounts not being mine and I have received no proof or reply. I am asking them to simply remove the accounts from my report or send signed documents that show I have opened these account. ( which there is non since i never opened them ) XXXX XXXX XXXX ( account number XXXX ) XXXX XXXX XXXX ( account number XXXX or XXXX ) comenity bank/ XXXX ( account number XXXX ) comenity bank/ XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
$ XXXX via unauthorized transaction

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 2021-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've sent multiple letters to the credit bureaus asking the bureau to verify the alleged debt. This credit bureau is continuing to report unverified inaccurate information on my account. The bureau has violated so many laws by not showing me proof of how the account was verified, If they verified the account they would have to know the account listed below is past the statute of limitations and should no longer be reported to the credit bureaus. I've sent multiple letters certified and mailed Account name : XXXX-XXXX  Account Number : XXXX Account Open Date : XX/XX/XXXX Account Name : XXXX  Account XXXX Account Open Date : XX/XX/XXXX Account Name : XXXX XXXX  XXXX  Account Number : XXXX Account Open Date : XX/XX/XXXX The accounts are reporting past the statute of limitation. 

The Statute of Limitations ( SOL ) is a crucial debt collection law in Texas, but it is not the only regulation protecting your legal rights in the XXXX XXXX XXXX. The SOL is four years for all types of consumer obligations. 

The Texas Civil Practice & Remedies Code provides a 4-year limitations period for types of debt. The SoL begins after the day the cause of action accrues, ( Section 16.004 ( a ) ( 3 ) ). 

Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary, Delete Immediately This is a VIOLATION and must be deleted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: UMB FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX  XXXX XXXX XXXX XXXX Account number XXXX XXXX  XXXX XXXX/XXXX  SO XXXX  number XXXX Account XXXX XXXX is a fraud account which was resloved years ago. 
XXXX XXXX had fraud tied to it XXXX  XXXX  XXXX  didnt hold the the CARES act 2 with the provision on supsending late payments due to the COVID 19

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: Persolve, LLC - Legal - Series 2
State: CA

Complaint narrative:
XXXX  XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX/XXXX XXXX Account number XXXX Account XXXX XXXX is a fraud account which was resloved years ago. 
XXXX XXXX had fraud tied to it XXXX XXXX XXXX didnt hold the the CARES act 2 with the provision on supsending late payments due to the COVID 19

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BMO BANK NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have held a Diners Club card since 2002. At some point in the past two years, the current franchisee ( BMO Harris ) stopped offering Primary Rental Car Insurance on this card. The bank did not notify me of this material change to my card agreement, despite the fact that I pay a {$130.00} annual fee ( {$95.00} plus {$35.00} additional cardholder fee ). Attempts to contact the bank have been ignored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
XXXX Requested Removal Authorized User-early or mid XX/XX/2021 Contact made with Fraudulent Representative at XXXX credit services. 

Unnecessary to have name on account ; no access to account. 

Suspect credit card Fraud. 

Please advise

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Last month, I have opened up my first credit card from capital one. I have found out on my credit report that there has been another credit card ( capital one ) that someone else has been using for the past few years. I see someone else 's address and phone numbers on the credit, so I have just removed them now. I took a picture of it before I had deleted that person 's PO box address and phone numbers. The card that the other person has been using still has a balance of {$790.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: GA

Complaint narrative:
Debt of {$1900.00} from discover from a credit card I did not open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
It has been more than 60 days with no response from the bureaus. The law is being disregarded by all three bureaus by not responding in the appointed time, hopefully this will be the last time that the bureaus are allowed to disregard the law. Please remove all accounts listed as stated by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
The credit agency experian and XXXX seem to be incorrectly reporting negative factors that consumers ( me ) have with two problems : 1 ) total of all balances on bankcard or revolving accounts is too high ; total of all balances on your open accounts is too high ; The balances on your accounts are too high compared to loan amounts ( they said the same thing in three different ways which made it look like there were three different problems and 2 ) oldest account is too recent. 

I have a credit score with these companies of XXXX and XXXX respectively and an 11 % revolving credit utilization. My oldest account started in XXXX of XXXX and others in XXXX and subsequent years. I have no had a late payment except for 1 in XXXX based on an oversight. That is 1 late payment in 14 years! Why do I become a casualty of borrowing with these statistics and make a 6 figure salary? It seems like these companies are out of control. My credit score is better than significantly more than 75 % of the country, my payment record is excellent and my income is significantly higher than the median salary for the United States. I feel there is discrimination here somehow. If I was a white male would I get turned down for a simple loan for an RV I can obviously well afford? 

It is bad enough they operate in absolute secrecy non-transparent to most Americans. Baseless negative marks for high credit utilization when their own credit reports describe utilization as " good '' at 11 % is a false flag to creditors not to do business. Describing oldest account as too recent must be less than 5 years ( if that much time ) instead of XXXX years as they have done me. Who is watching these companies. It would be fair to stop these credit bureaus from unfairly negatively characterizing the credit of hard working Americans. Where is the uniformity of service as XXXX should not be able to charge {$0.00} to retrieve a credit score when Experian provides it with the free credit report to which all Americans are entitled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Netspend Corporation
State: LA

Complaint narrative:
Having problems with unemployment and XXXX  NetSpend XXXX  all access NetSpend

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