vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-09 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: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
I have filed complaints with XXXX  and XXXX  about my credit report from credit acceptance. XXXX  is reporting-as XXXX XXXX the original balance is {$11000.00} and credit acceptance statement the original balance is {$19000.00}. XXXX  is reporting the balance owed as XXXX XXXX {$7500.00}. XXXX  is reporting my date of last payment of XXXX XXXX of only a {$170.00} in XX/XX/XXXX I made two payments XX/XX/XXXX {$170.00} XX/XX/XXXX {$170.00} for a total of {$340.00}. Past due amount from XXXX  is {$1200.00} credit acceptance charged me $ XXXX is reporting that my first late payment was XXXX XXXX but credit acceptance reported that it was paid on time.XXXX  is reporting the loan amount {$11000.00} credit acceptance initial balance is {$19000.00} XXXX  is reporting on XXXX XXXX the balance owed is {$7000.00} I dont know what the balance is I even get different amounts from credit acceptance.XXXX  is reporting the past due amount as {$1500.00} dollars I just paid the past due amount to credit acceptance {$1400.00}. XXXX  is stating I have over 19 late payments XXXX  states I have 36 late payments. The late payments are based on the past due amount which was supposed to be backed up to the end of the loan payment. If I pay my payments online to credit acceptance on the XX/XX/XXXXof the month then credit acceptance will generate a date and conformation with the XX/XX/XXXX of the month.I reported the inaccurate information to XXXX XXXX and they immediately deleted credit acceptance from my credit report.I believe credit acceptance reports out the initial loan at {$11000.00} instead of the actual amount of {$19000.00} because on XXXX XXXX the Massachusetts Attorney General office filed a lawsuit against credit acceptance that they made subprime auto loans to Massachusetts consumers which I would have although I dont live in that state.I also sent original loan contract to credit agency

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 2021-06-09 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: CA

Complaint narrative:
I have filed complaints with XXXX  and experian about my credit report from XXXX XXXX. XXXX  is reporting-as XXXX XXXX the original balance is {$11000.00} and XXXX XXXX statement the original balance is {$19000.00}. XXXX  is reporting the balance owed as XXXX XXXX {$7500.00}. XXXX  is reporting my date of last payment of XXXX XXXX of only a {$170.00} in XX/XX/XXXX I made two payments XX/XX/XXXX {$170.00} XX/XX/XXXX {$170.00} for a total of {$340.00}. Past due amount from XXXX  is {$1200.00} XXXX XXXX charged me $ XXXX is reporting that my first late payment was XXXX XXXX but XXXX XXXX reported that it was paid on time.Experian is reporting the loan amount {$11000.00} XXXX XXXX initial balance is {$19000.00} Experian is reporting on XXXX XXXX the balance owed is {$7000.00} I dont know what the balance is I even get different amounts from XXXX XXXXExperian is reporting the past due amount as {$1500.00} dollars I just paid the past due amount to XXXX XXXX {$1400.00}. XXXX  is stating I have over XXXX late payments Experian states I have 36 late payments. The late payments are based on the past due amount which was supposed to be backed up to the end of the loan payment. If I pay my payments online to XXXX XXXX on the XXXX of the month then XXXX XXXX will generate a date and conformation with the XXXX of the month.I reported the inaccurate information to XXXX XXXX and they immediately deleted XXXX XXXX  from my credit report.I believe XXXX XXXX reports out the initial loan at {$11000.00} instead of the actual amount of {$19000.00} because on XXXX XXXX the Massachusetts Attorney General office filed a lawsuit against XXXX XXXX  that they made subprime auto loans to Massachusetts consumers which I would have although I dont live in that state.I also sent original loan contract to credit agency

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 2021-06-09 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
file a dispute about incorrect items on my credit report and its been over 30 days with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: LA

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 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 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 2021-06-09 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: VA

Complaint narrative:
I filed a dispute twice with Experian on a Department of Education collections account that I insisted was out of date/inaccurate/ or possibly fraudulent based on my multiple calls with DOE and my loan servicer XXXX  , who said no such collections account existed under my SSN and that the loan in question had been canceled in 2007, and was unequivocally not in collections now. Experian quickly " investigated '' my 14-year old canceled loan and closed both my disputes within 24 hours by saying that DOE verified the information about it being in collections, that all was correct, and then they ( Experian ) updated my 14 year old loan to a brand new " in collections '' status with some horrible derogatory remarks added and plunged my credit score by 40 points overnight. I immediately called the DOE myself to demand how on earth they could have confirmed non-existent information to Experian, when they ( DOE ) themselves said multiple times the collection account doesn't exist. They had no idea and were just as confused as I was. They had me open a case with the DOE Ombudsman, which is still ongoing. Nobody had any idea what I was talking about in regards to this Experian decision ... I just did NOT exist as a collection/default account. There was nothing DOE could do for me. I suspected fraud for a while. At least ten more increasingly desperate and emotional calls from me to Experian finally unearthed the answer : the collections account being reported in my name was under the wrong social security number. That's why nobody at DOE could find it. Experian had never bothered to check that the SSN they had on file for me matched the one the collections agency was reporting it! All they did was just re-report the wrong data from the creditor and destroy my credit. They verified nothing that they had promised to investigate. I have re-opened the dispute, although they say it is now up to DOE to fix their reporting and " stop sending them bad info. '' I am incredulous that Experian weilded their considerable power to destroy my credit by missing such an obvious and basic error like an incorrect social security number on a reporting account from a creditor. I have all the proof I need to fix this, but I wish I could go back in time ... if I had never disputed the bad info, I would still have those extra 40 points on my score. I would have just let the bad data stay on instead of going through this XXXX. How is this fair credit reporting?

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 2021-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Hunt & Henriques
State: CA

Complaint narrative:
I had a XXXX XXXX credit card for nearly twelve years. From XXXX until last year. I already paid the card off on time or made the minimum monthly payments. Everything was fine, up until XXXX, when my card was hacked and used with fraudulent purposes. This is when you need the most support from a company. I called them up and asked for fraud protection to cover this scam hacking attempt on my card. Instead of helping me, they would not honor their word and protect me. Instead they claimed the fraud was liable on my part, which is absolutely ridiculous. 

Not to mention a complete and total lack of loyalty after being a customer in good standing for well over a decade. Subsequently, they started to accumulate debt on top of the fraudulent debt, they raised the monthly minimum payment to an astronomical amount I could not longer afford. 

Upon calling them for assistance, they consistently were not helpful and did nothing to help me, especially during the worst pandemic in modern history no less. 

In XXXX of last year, they closed down my account errantly and discharged the debt. I then received lawsuit court papers in XXXX of this year out of the blue from a collections agency, posing as a law firm, which you will see right on their letterhead, which in and of itself is fraudulent to pose as a law firm, when in fact you are nothing more than a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Netspend Corporation
State: GA

Complaint narrative:
I received an email from XXXX notifying that XXXX XXXX was added to my account. That was a result of me informing them that it had stopped. 
This is a very important issue with me because any thing that occurs on any day regarding my account is texted to me immediately. Having been a victim of fraud with a bank before this was important. This was XX/XX/2021 I know I had the balance of my stimuluss check so wasnt concerned or worried about paying a few small bills. I then learned that I had no funds. I reached XXXX I told them I could not access my account she then proceeded to ask me questions and security questions that I answered incorrectly then she informed me that all my info was changed to allow a secondary user whohad changed everything on line and. I have never changed anything in my accouunt and I certainly would nothave added anyone. They never called me to checkit out and because I wasnt receiving alerts I had no idea it was going on. I never recd my money back and they continued to let my money go including my entire ss check, I have yet to recieve the first dime back. Shouldnt I have been informed? I am totally broke and theyhave now closed myaccount I have documentation. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: ND

Complaint narrative:
After reviewing your letter which I attached from your company, Equifax, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance with Section 605B of the FCRA you have determined not to block this fraudulent information subject to the submitted identity theft report and/or police report that I provided. That decision is not up to you, you only have the right to deny or rescind a block if there was a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error. I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission with my original letter, which I have attached to this complaint, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? The reason that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of constructive fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Equifax now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: TX

Complaint narrative:
Several disputes have been submitted regarding these accounts since XX/XX/2020. You can not validate a debt without following the proper validation laws. According to FCRA 15 USC 1692g, a debt must be validated within 30 days. Validation of a debt is an assess of action and the debt is not mine and it is not true. Also, according to 15 USC 1681 a ( e ) to validate a debt is to interview family, neighbors and associates of this debt who may have knowledge of this account but specific factual information does can not be mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
I submitted an rma to my servicer as my income and hours are affected a lot it took a good couple months to finally submit the forms they needed to start reviewing what kind of help I can get at some point I look at the status of my application and noticed it was cancelled when I called I spoke with an account manager who was assigned for this process and I was told it was a glitch in their system and case was reopened the status then showed the underwriter will post or mail a decision of which programs I will qualify for and I had nothing to worry about as I am awaiting a desicion I called just last Friday to learn I can ask for the last 90 days of forbarence well I didnt ask I was offered that over the eeekend I check my online mortgage info and come to this status loss mitigation review cancelled notice was mailed I was shocked as to I have been waiting since before XXXX to see what options the underwriter has for me turns out to tell me because I went back on forbarence my application was cancelled I spoke with a account manager and she was getting the higher manager approval to reopen the case and advise me by this coming Friday to what decision they will make with all this I have had this loan with Usbank since I bought the house in 2006 and not once I missed a payment it honestly is very rude and destroying for someone that faithful to their system and how good they are making things so now I dont know if there will another glitch in their system or what the underwriter will reopen the case and give options of better than just put the amount of the forbarence to the back of the loan and resume payments I was asked what would get me off the hardship and start payments? I suggested to lower my APR I am at 6.725 and the market rate is at 1.99 % I saw today doing my math to adjust my apr will defenetly make my payment affordable so I am asking the lord of you people to help me as much as you can please those people are just killing time and think people are stupid

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 2021-06-09 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: TX

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 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 effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: NY

Complaint narrative:
file a dispute about incorrect items on my credit report and its been over 30 days with no response

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 2021-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: T.S. Holdings
State: CA

Complaint narrative:
In XXXX of 2020 I went to court for an unlawful detainer/eviction case against my landlord. I lived in XXXX XXXX XXXX and it is owned by XXXX XXXX XXXX. Long story short, we both agreed on an amount due and also to have my case be sealed and not to reflect my credit report. The amount agreed upon was {$5500.00}, including the lawyer fee. In XXXX of 2020 a representative from IQ international data reached out and told me I had a debt owed to XXXX XXXX XXXX for {$12000.00}. I let the representative know that I had documentation from the court stating it was not supposed to reflect my credit report. After about a hour had passed with arguing with several of International IQ Datas employees, nothing was resolved. They told me the debt was valid and the amount owed was the correct amount. 

I reached out to the courthouse I had my trial at on numerous occasions, and each time I was assured that this debt was not supposed to reflect my credit report. They told me to dispute it with credit reports and upload the documents I had from my trial. I called down to XXXX and spoke to someone from their customer service department about my situation. They brought to my attention a factor on why there was nothing they do on their end. On my court documents the plaintiff is titled XXXX XXXX XXXX. On my actual credit report it was titled IQ international Data/XXXX XXXX XXXX. I let the representative know that it was indeed the same entity. He then told me again there was not anything he could do unless the names matched exactly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had a Capital One credit card for nearly twelve years. From XXXX until last year. I already paid the card off on time or made the minimum monthly payments. Everything was fine, up until XXXX, when my card was hacked and used with fraudulent purposes. This is when you need the most support from a company. I called them up and asked for fraud protection to cover this scam hacking attempt on my card. Instead of helping me, they would not honor their word and protect me. Instead they claimed the fraud was liable on my part, which is absolutely ridiculous. 

Not to mention a complete and total lack of loyalty after being a customer in good standing for well over a decade. Subsequently, they started to accumulate debt on top of the fraudulent debt, they raised the monthly minimum payment to an astronomical amount I could not longer afford. 

Upon calling them for assistance, they consistently were not helpful and did nothing to help me, especially during the worst pandemic in modern history no less. 

In XXXX of last year, they closed down my account errantly and discharged the debt. I then received lawsuit court papers in XXXX of this year out of the blue from a collections agency, posing as a law firm, which you will see right on their letterhead, which in and of itself is fraudulent to pose as a law firm, when in fact you are nothing more than a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Several disputes have been submitted regarding these accounts since XX/XX/2020. You can not validate a debt without following the proper validation laws. According to FCRA 15 USC 1692g, a debt must be validated within 30 days. Validation of a debt is an assess of action and the debt is not mine and it is not true. Also, according to 15 USC 1681 a ( e ) to validate a debt is to interview family, neighbors and associates of this debt who may have knowledge of this account but specific factual information does can not be mentioned.

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 2021-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation