vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-15 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: Emerald AR Systems, LLC
State: AZ

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

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I moved away from my old address inXX/XX/XXXX and never cared to do a address change. 
On XXXX I wrote out a check to a friend and watched him deposited the check. Somehow the check landed in my account but also bounced from insufficient funds but was also told that the check cleared. Then when I address the banker that helped me out most the time he altered the transactions not knowing that I already have statements of it printed out and made slot of copies. This caused me to did into other activities and transactions which now I discovered involved all of my banks and accounts. 
No matter what I do ( change email, phone, phone number ) it doesnt matter. It will be compromised at will and if the bank can alter the transaction to a transaction I made a week ago that just got posted. How can I not recognize it to dispute it. 
Im limited with sources to help and no attorney is willing to take my case. Im asked to go into mediation but this involves more then just the bank that request me to mediation. It involves everything account associated with my social security number.

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 2020-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Block, Inc.
State: CA

Complaint narrative:
I moved away from my old address in XX/XX/XXXX and never cared to do a address change. 
On XXXX I wrote out a check to a friend and watched him deposited the check. Somehow the check landed in my account but also bounced from insufficient funds but was also told that the check cleared. Then when I address the banker that helped me out most the time he altered the transactions not knowing that I already have statements of it printed out and made slot of copies. This caused me to did into other activities and transactions which now I discovered involved all of my banks and accounts. 
No matter what I do ( change email, phone, phone number ) it doesnt matter. It will be compromised at will and if the bank can alter the transaction to a transaction I made a week ago that just got posted. How can I not recognize it to dispute it. 
Im limited with sources to help and no attorney is willing to take my case. Im asked to go into mediation but this involves more then just the bank that request me to mediation. It involves everything account associated with my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: Prosper Marketplace, Inc.
State: AZ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: AZ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: WELLS FARGO & COMPANY
State: AZ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I have a loan with NAVY FEDERAL CR UNION. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, NAVY FEDERAL CR UNION with no successful resolution. XXXX, XXXX, XXXX  reporting me late. There was definitely an error on their part

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: CA

Complaint narrative:
How are you? During this COVID-19 i been diligently reviewing my credit and I was shocked when I reviewed my credit report and found late payment on the dates below from XX/XX/2019 for 30 days lates. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: AMERIS BANCORP
State: TX

Complaint narrative:
was trying to purchase a new home when I checked my credit and noticed Ameris Bank had reported on my XXXX that a payed my car off completely! This resulted in a 35 point decrease in which after over a month now still hasn't been fixed or updated. I have reached out 2 times on the matter and they have said itll fix itself when they do the next reporting ... ... .. meanwhile my credit is shot and I cant get leading from a bank for a house ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
How are you doing? Can you please help me? During this Covid-19 I  been reviewing my credit report, and I was shocked when I reviewed my credit report and found late payment on the dates below XX/XX/XXXX - XX/XX/XXXX for 30-60 days late. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late 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 2020-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION
State: TN

Complaint narrative:
Ive been waiting on a resolution for a dispute that I submitted to Simple ( BBVA ) through the Simple app on XXXX. I was told if I had more information that would change the resolution of this dispute to send it to XXXX XXXX XXXX  with my name as the subject and that would allow me to file a new dispute for these transactions. I have sent in information on XXXX, the same day I received that support message. I have not been able to file a new dispute because it shows that these transactions are still listed with the initial dispute claim and shows a status of in review not closed as I was told in the support message on XXXX. It was my understanding that if a dispute could not be resolved within 10 business days, a provisional credit would be provided. In fact that is a requirement by the Federal Deposit Insurance Corporation under Regulation E. I have saved a  PDF of that review status and a screenshot of the status with an atomic clock and calendar, just so I will have documentation with a date the dispute status documentation was accessed and saved. 

Part of the reasoning for the denial, was because I didnt dispute credited I received from the merchant ... well that is because NO CREDITS FROM THE MERCHANT SHOW ON THE ACCOUNTHOLDER SIDE OF THE BANKS WEBSITE OR APP, so what would I be disputing? That there isnt a record showing of a transaction that 1 ) didnt make 2 ) absolutely no knowledge of 3 ) was unaware of the merchant before doing some research to find that XXXX  was XXXX, whom I am not even approved for an account with as shown in the documentation I sent to XXXX XXXX XXXX as requested. 

Im getting alerts that my account will be closed due to the negative balance, but that is directly related to this dispute. My account would be in good standing if there was some sort of fraud protection. However, like many others, it seems like the only way to handle disputes when Simple decides not to follow their own account agreements and has not made any communication, the only way to get something done is to contact the CFPB or another agency that will assist consumers with complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
THIS WILL BE MY LAST ATTEMPT TO HAVE THIS DEBT VERIFIED. IF THIS DEBT IS NOT VERIFIED, I WILL BE CONTACTING MY ATTORNEY. 

I have an unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that  XXXX XXXX/XXXX XXXX provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs,  including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX/XXXX XXXX. Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: CA

Complaint narrative:
On XX/XX/XXXX, I requested my free annual credit reports from all three credit bureaus through XXXX. However, I only received reports from XXXX and XXXX. Equifax would not show my credit report from them unless I sent sensitive personal information, such as my Social Security number, by mail as proof of my identity. In the next couple of days, I called Equifax instead to try and verify my identity there. But after 20 minutes of answering the representative 's questions, they apparently still couldn't verify my information. 

I tried requesting credit reports from all three bureaus again on XX/XX/XXXX. Again, I received reports from XXXX and XXXX, but not from Equifax. 

There should be no problems in confirming my identity and sending my credit reports to me like XXXX and XXXX. But Equifax never seems to be able to confirm my identity no matter what I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX BANK. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and  collection activity begin 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
THIS WILL BE MY LAST ATTEMPT TO HAVE THIS DEBT VERIFIED. IF THIS DEBT IS NOT VERIFIED, I WILL BE CONTACTING MY ATTORNEY. 

I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX  provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX  Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
on XX/XX/2020 I received a notice from Experian that my fico credit score had fallen by 15 points, and reduced my standing from very good to good. When I looked online and compared the most recent to the last report I noticed the drop resulted from the fact that one one my credit cards went from a {$10.00} balance to {$0.00} and the notation on why my credit score dropped was ; '' Not using revolving credit ''. So I am penalized for not carrying a balance on credit cards. So they are essentially penalizing me for not being in debt. 

Neither of the other 2 credit reporting agencies skew credit scores on this fact and thus the reason I am requesting assistance and this practice stopped. 

Additionally, they show in the " what's helping your score '' using revolving credit, so again they are rewarding people for being in debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
Citizens bank ; They had a promo going in XX/XX/2020 that if you opened a checking account and made a direct deposit of XXXX dollars or more in the first 60 days that you would get XXXX dollars. This was a Citizens bank promotion. I completed what they required to get the bonus and they told me it would be paid on XX/XX/2020. When I didnt receive it then I called them every single day since. I got a hold of a manager that escalated the issue and waited for a callback for a week! When I finally got a call back from natilie she informed me the money would be in my account by Friday XX/XX/2020. I still havent received the bonus. I called them again on XX/XX/XXXX and they put me on hold and then hung up on me. I then called back the same day and they hung up on me again. 

I still have not received the bonus Ive depended on it twice now and its caused my account to bounce a few times..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA

Complaint narrative:
Heartland ESCI misrepresent payments owed and charges improperly. 

I paid on XX/XX/XXXX and the funds were deducted from my account. 

I review the account page again as I've noticed suspicious and dishonest behavior from Heartland throughout the months and I've had growing concerns since moths ago. 

It still shows I owe the same payment amount after I have already submitted my payment and after it has been retrieved from my account. 

Months ago, I noted an improper amount due and called after noting the amount was incorrect. It was adjusted improperly and I've seen consistent, fluctuating additional charges since. 

Additionally, they have two different pages showing the amount due - these pages simultaneously show two different amounts with the greater amount remaining hidden at the bottom of a different page, which then enables them to charge you additional late fees for having a remaining balance after having already made a payment by the due date. 


Heartland ESCI engages in unscrupulous practices - it seems similar to the unfair and dishonest practices of the XXXX scandal. 


After searching online, I have seen other sources also describe dishonest and untrustworthy behavior regarding Heartland ESCI. 

This has been continuing for years - see article below. I don't understand how we allow these corrupt businesses to continue. I don't know how they're still in business. I'm not the only one there are others as well. Please help. 

XXXX XXXX XXXX What needs to happen : Prevent the company from engaging in unfair practices and ensure that people will no longer be improperly charged or financially targeted. 

Investigate the company and charge them. Penalize them and ban them from debt collection until they clean and restructure their practices honestly. If necessary, shut the company down and transfer remaining unpaid debt to honest organizations.

Company response to consumer: Closed with explanation