vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-12 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have filed a dispute in regards to the incorrect item on my credit report, It has been over 30 days and I have received any investigation results.

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 2021-04-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I was in process of purchasing my first home. Lender had offered me a home insurance policy prior to closing date and the amount it would cost I followed up by shopping my own insurance for home I purchased home insurance through different company contacted my lender told them of purchased insurance and corresponding information to access the insurance binder. I also asked them to not purchase the insurance that they offered to me for home I said i was not interested I have it in writing I also have it in writing that they said that message was recieved that i was not interested. I shared new insurance for home this was all taken cared of weeks before closing date. I closed on home and about 1 1/2 months in when making first payment i reviewed billing statement and escrow payments and funds. Noticed that there were 2 open home insurance policies the one bought and the one they were trying to sell me. Payment was made in full to wrong company using my money i placed in escrow. I contacted both Citizens Bank and XXXX XXXX XXXX company to compensate me for error and have the insurance closed I was notified payment has already been received and they would close the account a check would be mailed out to me. I received the check in return there was not a full refund with approx XXXX $ difference what should i do next I am positive this is either human bank error or the old who gets an envelope game that is all so common in todays real estate market

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I have filed a dispute in regards to the incorrect item on my credit report, It has been over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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

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 have not been able to get help from them but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: Receivable Recovery Services, LLC
State: PA

Complaint narrative:
I have filed a dispute in regards to the incorrect item on my credit report, It has been over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: TN

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have filed a dispute in regards to the incorrect item on my credit report, It has been over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT, SOMEONE OPENED 2 CREDIT CARD ACCOUNTS IN MY NAME.I CONYACTED THE COMPANY AND THEY. I SPOKE WITHE COMPANY AND THEY SAID IT WOULD BE DELETED. BANK OF AMERICA MADE PAYMENTS ON THE ACCTS, THAT DOES NOT BELONG TO ME. MY CHECKING ACCOUNT INFORMATION WAS COMPERIMISED, WHOEVER STOLE MY IDENTITY MADE PAMENTS ON THE ACCOUNTS. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : BANK OF AMERICA # XXXX # XXXX OPENED : XX/XX/XXXX AMT, XXXX BANK OF AMERICA # XXXX # XXXX OPENED : XX/XX/XXXX AMT. 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 2021-04-12 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: CL Holdings LLC
State: NE

Complaint narrative:
An account was opened today ( XX/XX/21 ) under my credit from Jefferson capital in Minnesota. I live in XXXX Nebraska and did not authorize this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: KY

Complaint narrative:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
On XX/XX/2019 me leased ended in which I have documentaion. At the beginning of XXXX I called the rental office and in form them that I would be leaving XX/XX/2019 in whch I paid my rent in full for that month and i also have documentation for that as well. I move out the unit on that date and it has been empty since. Durning that process I foward all my mail to my mothers address, on XXXX the XXXX, I recieved a letter from XXXX XXXX XXXX XXXX dated XX/XX/2019 stated a dispossessary notice was filed and was to answer by XX/XX/2019. Never the less I answer the eviction online and the apartment complex choose to drop the eviction. In XXXX of XXXX  I filed XXXX  XXXX after that a creditor begin to call me and stated that I owe them XXXX $ from the apartments for XXXX months after I had left. And they took my security deposite, I do have court orders to prove this,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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:
To Whom It May Concern : I have recently been informed that there is negative information reported in the files you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. 

XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$7500.00} XXXX XXXX {$820.00} XXXX XXXX {$900.00} XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX {$100.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation will follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I have several credit card accounts with Synchrony Bank. A TJMaxx, Lowe 's and a GAP card. I was notified by my credit monitoring company that my credit limit on my TJMaxx card was being lowered from {$3000.00} to just over {$1000.00}. No notification was received from Synchrony Bank to justify such action. I have not used the card in over a year due to the pandemic. My payments have always been paid on time and in full each statement cycle. After the notification, I closed my TJMaxx account and plan on closing my other accounts with Synchrony Bank. I do not understand why they choose to penalize someone who is in an age group of high risk and had to stay home most of the past year to avoid possible exposure to COVID-19 by lowering their credit limit which in turn impacted by lowering their credit score. The credit monitoring company also indicated that most accounts which have their limit lowered were a result of mismanagement due to late payments. The company who lowers the credit limits should have to notify the account holder prior to the action and report to the credit reporting agency the reason for the credit limit being lowered so the customer 's credit score is not impacted.

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 2021-04-12 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I have filed a dispute in regards to the incorrect item on my credit report, It has been over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: Consumer Portfolio Services, Inc.
State: PA

Complaint narrative:
I have filed a dispute in regards to the incorrect item on my credit report, It has been over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: PA

Complaint narrative:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: MI

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I had an extremely bad experience with Conn 's which led me to close my store credit card and sever all relationships with them. At the time, i informed them to remove my name from all Marketing lists. This occurred over a year ago so they have had plenty of time to process that opt out request. I have since received a Marketing offer from Conn 's which leads me to believe they have not honored my Opt Out. In addition, this mailing does not contain any information on how to opt out of future Marketing mailings.

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 2021-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Friday XX/XX/2021 My wife was on our home computer when the screen started to flash warning must call XXXX. When I called the number on my Screen a woman answered " Hello this is XXXX my name is XXXX XXXX how can I help you ''. I explained to her that my computer is telling me to call you that there is a problem. She said that someone would call me the number was XXXX it was XXXX XXXX who said he worked for JP Morgan Chase and that there was a problem with my credit card ending with XXXX that someone had charged {$4000.00} in XXXX XXXX. He said that to rectify the situation I would have to XXXX out the account so no other charges would go thru. I would have to get {$3000.00} to him ASAP. He suggested that I go to a major store and get gift cards to cover the {$3000.00}. I went to XXXX while he was on my cell phone and purchased the gift cards against the credit card in question. I asked him where he was calling from and he said XXXX XXXX XXXX, NC and his badge number was XXXX. After purchasing the gift cards I told him the serial numbers on the back of the cards. He told me to stay on the phone and in about ten minutes he said congratulations the {$4000.00} was taken of my account. Then he gave me a complaint number for the XXXX incident which was XXXX. When I got home my wife had spoken to her daughter who told her that it was a scam I immediately called the customer service number and told them the card was lost to stop the transaction. Maybe I should have told them what had happened but I was so upset that I was shaking. I had my computer cleaned by XXXX but didn't want to use it. I'm writing this complaint from work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: NY

Complaint narrative:
On my Equifax credit filed, I have a fraudulent account since 2020. XXXX  and XXXX  both investigated the problem and removed the error. So I am asking for your help. I have contacted the XXXX, where the account was originally opened. They sent me the application as requested. After a careful review of the application. The signature on my application isn't my authentic signature matching my driver 's license Also, they do not have XXXX XXXX XXXX in the XXXX system. Instead, they only have XXXX XXXX in their system. Why does that matter? On the form, it says you must register your new name. Why didn't the school require the name change. If I attended classes in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: MO

Complaint narrative:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation