vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My name is XXXX XXXX. I'm a recent victim of identity theft. My business and person checking account have been skimmed 3 times since XXXX. We have tried our best to get back on our feet ASAP. I'm a XXXX XXXXe, Business owner and my husband is XXXX. Unfortunately our account got skimmed the end of XXXX going into XXXX. It took the bank and extended amount of time to recover our funds for us. It happened twice more. I've never seen anything like this. I noticed it more since the PPP loan and EDIL. I'm working extremely hard to rebuild my credit. Especially after experiencing identity theft. I love capital one and had actually intended on changing my business account to their bank. Because of the skimming I decided to open a checking account with capital one. Because I trusted Capital one Ave they've been great at assisting us up to recently. I understand that payments got returned. Unfortunately this occurred during the summer months while we were in the process of recovering our funds. But I still made me payments another way. Unfortunately without contacting me Capital one closed my credit card account ending in XXXX. I was extremely upset because this was insult to injury. I tried my best to make to navigate this difficult situation.To rectify any further issues I decided to open a checking account in which I did before the closure of my credit card. I asked for help transferring money from my capital one checking to my credit card while on the phone with agent. He was unable for some reason to assist. I was also having issues with also with the app. I did notify customer service of this. I also had to reorder my debit card. Also mentioned during the card that I was concerned that it potentially went to the incorrect address. I never received the first shipment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC
State: AL

Complaint narrative:
I had a auto loan with flagship credit acceptance. I got the loan refinance through a different lender of XX/XX/2021. The lender sent a payment check to flagship credit acceptance to pay the account with them in full on XX/XX/2021. Flagship Credit decided to post my account as 30 days late on XX/XX/2021. This cost my credit report to lose several points and they reported false information. Instead the account should show paid in full and no late payments. I'm highly upset because I'm currently trying to fix my credit score rating and they are damaging it more.

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 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
Essentially we tried paying our car payment multiple times. Unfortunately for whatever reason the wouldn't allow us. I Unfortunately contracted XXXX  and tried to handle this in between my illness. I thankfully was able to do a screen recording of the error. Previously I have never had an issue making a payment to XXXX. I've tried calling multiple times between XXXX XXXX XXXX. I'm working 16 hours shifts. Money wasn't the issue it was the fact that XXXX wouldn't allow us to process payments. I've also attached my bank account below so you see that I had the funds available at the time to pay my bill

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 2021-09-08 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: Velocity Portfolio Group
State: TX

Complaint narrative:
I was told my account would be deleted once paid but it still shows on my credit report as cks prime investments now they said they won't remove it.

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 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big XXXX  on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.

Complaint narrative:
I contacted one of the friends residing in America and explained to him that I need to develop our current factory and we need financing, and his name is Mister XXXX, and he is the one who mediated between us and the finance company Contracts and financing terms have been sent to us, and all official documents proving the legality of the company have been sent Accordingly, we transferred {$76000.00} as expenses to the insurance company But unfortunately, we have discovered that it is a fraud and that all the websites we deal with have been suspended after we transferred the amount

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 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big XXXX on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2021, XXXX XXXX XXXX XXXX withdrew {$500.00} from my acct related to the Check n Go payday loan. I believe that I was scammed because the {$500.00} has not been applied to my payday loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I pay XXXX XXXX {$1000.00} On XX/XX/2021. 
And I never received any services for my money. The {$1000.00} was to help me with a divorce case. I contact capital one but they never give me my money back. 
I also contact the merchant but she refused to give me back my money. I will never pay back the {$1000.00} that is charged to my credit card because I didn't get any services for my money. Also capital one is using my tax dollars. the money that they lend me is the Federal government dollars which are my tax dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
XXXX pulled a copy of my credit report and saw a new collection/chargeoff from XXXX. I sent a letter to Transworld System Inc dated XX/XX/XXXX requesting a validation of the debt with no response. 

XXXX-I pulled a copy of my credit report and saw the account still reporting. I sent a 2nd letter, certified to Transworld System Inc XXXX XXXX XXXX XXXX XXXX PA XXXX dated XX/XX/XXXX. It was marked delivered on XX/XX/XXXX. 

XXXX-I pulled a copy of my credit report and saw account still reporting despite the company never validating the debt or responding. I sent a 3rd letter dated XX/XX/XXXX advising they were out of compliance and requesting the account to be deleted. 

XXXX-I pulled a copy of my credit report and saw the account still reporting. I sent a 4th letter dated XX/XX/XXXX advising they were out of compliance and requesting the account to be deleted. 

As of XX/XX/XXXX, this account is still reporting and I have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pacific Credit Exchange Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX, I previously disputed an account on my credit report with Pacific Credit Exchange stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. '' I am disputing the legitimacy and accuracy of the original account. I didn't receive any documentation supporting the results of the investigation. I am requesting proof of the investigation and proof that this debt collector has a legal right to collect, or delete this account from my credit profile. 

I am in the process of buying a home and the credit report obtained shows the date of last activity is XX/XX/XXXX, but also reflects the account was opened XX/XX/XXXX with a past due balance of {$4300.00}. This does not make since. How can an account be opened after the reported date of last activity. This account is reporting inaccurately and needs to be removed from my credit report. 

The account has since reporting a date of last activity of XX/XX/XXXX and I don't understand how this account can keep reporting activity when I haven't done anything. 

If this debt is infact valid, I would like to see the date of last activity from the original creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This is an account ( Macy 's ) supposedly opened in XXXX. There is absolutely any way I could have made this charge as I was incarcerated that year. My incarceration was from XX/XX/XXXX to XX/XX/XXXX. I disputed it with XXXX first. But I've noticed it showing up as if I activated the account again. This account should have been closed a long time ago seeing that it's 10 years old.

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 2021-09-08 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: TX

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
I was injured by a product I purchased online at XXXX by a third party seller in XXXX. This seller kindly agreed to cover my out of pocket medical expenses because I am a senior citizen on a fixed income and need these funds quickly and PayPal was the only way a XXXX citizen could send the funds quickly to the United States so I opened an account with PayPal. Immediately PayPal froze the funds and suggested they had seen " suspicious '' activity on the debit card I had placed in the walled payment section of the app. No evidence was given as to what exactly they meant. Then had the nerve to send me another email, which I have uploaded, suggesting I 'had not responded fast enough to the previous email? '' At first I just sat at my desk trying to process what I had just read, then I because angry and offended because they are suggesting they will hold these funds from me for as much as 21 days till they decide I can have it. This can not possibly be legal. Trying to speak to an actual person is impossible as you have to deal with a chat bot that has no idea what you are trying to tell it. I need those funds now and it is very important due to the medical condition I am having due to this injury and for me to have to somehow prove I am not a criminal is beyond anything I have ever seen. The fees PayPal charges are literally highway robbery. They took out almost {$10.00} from these funds right off the bat and will take another {$10.00} if I ever am allowed to transfer my own money to my bank to the tune of some {$20.00}. PayPal needs to be investigated for not only charging these ridiculous fees but slandering their own customers in the process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: GA

Complaint narrative:
On XX/XX/2021 Experian began reporting an account titled : Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/2021 Status Collection account. {$1.00}, XXXX past due as of XX/XX/2021. 

I have no knowledge of this account. I do not live in Massachusetts. I attempted to validate this debt including the name of original creditor and any documentation they have that was used to open this account. I have received no validation of this debt yet Experian continues to report this account thereby destroying what was previously a perfect credit score. I have sought legal action but in the interim can not apply for any other means of credit due to their deceitful acts.

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 2021-09-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
On XX/XX/2021, I received notification from my credit monitoring service of a new collection item added to my report by Eastern Account System. I performed a search to verify contact information reported, then originated a phone call to the collection agency to inquire about the item? The agent confirmed they are collecting account, I updated my address and ask them to send written validation about the debt as I am disputing it. On XX/XX/2021, I followed up with a written request via certified mail # XXXX. My certified letter was returned to me on XX/XX/2021. I still have not received any written communications about this debt. The collection account is currently reporting as closed with a full balance still owed, without validating the debt. Additionally, the agent did not provide me with the contact information of the original creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: IL

Complaint narrative:
I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

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 2021-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: RI

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation