vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
My XXXX XXXX auto financing loan did dont appear in XXXX, Equifax , or XXXX credit report. XXXX XXXX states that they last reported the positive payment status of the account to the three major credit agencies in XXXX. I have 5 years worth of positive payment history that is not reflected in my credit report. Furthermore, although the XXXX XXXX finance loan initially appeared on my credit report, it disappeared about two years ago, even though I was continuing to make payments on the loan. I recently closed out the loan, but the positive payment history and the payoff are not on any of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EMCC Holdings, LLC
State: AL

Complaint narrative:
ON XX/XX/2021 I NOTICED AN ACCOUNT ON MY CREDIT REPORT IN THE RESULT OF IDENTITY THEFT. I CONTACTED XXXX XXXX XXXX XXXX TO WARN THEM ABOUT THE FRAUDULENT ACTIVITY. THIS COMPANY FAILED TO INVESTIGATE AND PROVIDE ME WITH ANY AND ALL SUPPORTING ITEMS REPORTING INACCURATE AND FRAUDULENT INFORMATION ON MY CREDIT REPORT WHICH IS A COMPLETE VIOLATION. THIS ACCOUNT HAS NOW BEEN SENT TO A COLLECTIONS FOR DEBT THAT I DO NOT OWE BECAUSE OF THE LACK OF KNOWLEDGE, INTEGRITY, PROFESSIONALISM, AND BEING COMPLIANT AND REFUSING TO INVESTIGATE AT ALL. LEAVING ME TO HAVE A DAMAGED CREDIT REPORT FOR SERVICES I DID NOT OBTAIN

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Multiple addresses are inaccurate. Please have the credit bureaus remove expeditiously

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 2021-09-23 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: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # : XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. First National Bank of Omaha ( FNBO ) violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), and 18 U.S. Code 8

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 2021-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Hello, my name is XXXX XXXX and I am submitting this complaint myself and no third party is involved. I recently discovered that there is unauthorized accounts in my name being used and reflecting on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit reports and should have been alerted to the information being authorized on my reports and I'm requesting that they be deleted/removed from my credit report as soon as possible. These items are fraudulent and having a crippling effect on my relationship with creditors. Please removes the disputed items as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Marlette Funding, LLC
State: NC

Complaint narrative:
In XXXX, Best Egg offered me an opportunity to apply for a loan at a lower rate that would allow me to consolidate two personal loans that I currently have with XXXX XXXX. The total amount financed on XX/XX/XXXX was {$46000.00} ; they agreed to direct pay my loans with XXXX XXXX and direct deposited the balance of {$2600.00} into my personal checking account. 
On XX/XX/XXXX, I was notified by XXXX XXXX that they had received paper checks with my account number on them but they claimed that there was no name included so they would need some information ( loan number, issuing bank & check number ) from me before they would apply the funds to my accounts. ( emails in documents ) I was concerned about the amount that they claimed they received for the larger loan because it was {$2000.00} less than Best Egg said they had paid. I contacted Best Egg to get the information but was told that they would have to research it and get back to me. When I heard back from Best Egg some time later and provided the information to XXXX XXXX, I was told that the holding period had passed and they had returned the funds to Best Egg. I again called Best Egg to explain and was told that the checks had been cashed so as far as they were concerned, the money had been paid and there was nothing they could do to help me. 
I then went back to XXXX XXXX several times to ask for proof that they had returned the funds but they were either unable or unwilling to provide me with any information. As it stands, I have no idea where the money is but both companies are charging me monthly payments. I have spoken to dozens of agents but have not been able to get this resolved. Best Egg has not honored their agreement to pay my loans but they are continuing to withdraw money from my account. I will also be duplicating this complaint against XXXX XXXX because they admittedly cashed the checks but have not credited my accounts. 
This has put a significant strain on my monthly finances and had a serious negative effect on my credit score. I have used savings to meet my obligations but will not be able to continue to make double payments. I need help to get this resolved because I feel like both companies have turned a deaf ear to the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
My XXXX XXXX auto financing loan did dont appear in Experian, XXXX XXXX or XXXX credit report. XXXX XXXX states that they last reported the positive payment status of the account to the three major credit agencies in XXXX. I have 5 years worth of positive payment history that is not reflected in my credit report. Furthermore, although the XXXX XXXX finance loan initially appeared on my credit report, it disappeared about two years ago, even though I was continuing to make payments on the loan. I recently closed out the loan, but the positive payment history and the payoff are not on any of my credit reports.

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 2021-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received a deposit and Capital One is holding my funds until I provide business documents which I have. The business is a sole prop under myself. 
Not to mention I have had deposits come to this account before and there was no problem. I have had this account over 2-4 years. Why an issue now?? How can they hold money like that knowing people have businesses. I have even processed business transactions because its my business account. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: LA

Complaint narrative:
There are items on my credit report related to fraudulent activity. In XX/XX/2021, I began dealing with this tragedy after much research. Completing the FTC was my first steps in trying to have this issues resolved. Presenting just this document to the credit bureaus only got me ignored. So to get better answers I turn to CFPB to help resolve my issue. Never have I applied for anything with this creditor. My authorization was not given to have this account opened. This account was open fraudulently and should be closed immediately.

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 2021-09-23 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/2021, SYNCB/ SAMSDC add a derogatory mark on my credit report per XXXX XXXX and XXXX XXXX XXXX. Upon further research this account was transferred/Sold and I am no longer responsible for this accused debt. Firstly Debtors creditors did not verify this debt at all, secondly this account is reporting so many Inaccuracies, incorrect date opens. Is reporting, date opened/ closed on XXXX is totally different from date opened/ closed on XXXX, this account also reporting that it is closed/sold. 
Not only that but the past due amount reporting is inaccurate from the monthly payments, also As required by the fair billing act, as a consumer I was supposed to be sent a bill in 21 days period or window and which I did not receive from sams club, and this is a violation according to the fair Billing act. A bill without a signature does not validate the debt and anybody can report a bill and says it mines. 
According to the FCRA Law [ Sams Club ] and Credit Bureaus [ XXXX and XXXX ] has violated my rights as a consumer and I am requesting legal actions to remove this account immediately

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 2021-09-23 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 — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
My Apple Card information was used I went to the XXXX  store where it was used at and XXXX the head lead couldnt find anywhere where my card was used and searched for anything bought with my email and there was nothing however when I was working clocked in serving tables in a different city my card was used for XXXX $ And I did not make that purchase or authorize it I was working

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-23 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: LA

Complaint narrative:
There are items on my credit report related to fraudulent activity. In XX/XX/2021, I began dealing with this tragedy after much research. Completing the FTC was my first steps in trying to have this issues resolved. Presenting just this document to the credit bureaus only got me ignored. So to get better answers I turn to CFPB to help resolve my issue. Never have I applied for anything with this creditor. My authorization was not given to have this account opened. This account was open fraudulently and should be closed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I am a XXXX XXXX XXXX retired woman who was cleaning out a closet containing old guns and ammunition to gather funds to supplement my social security income which is my only income. I sold them through XXXX and some people paid through Paypal. All sales were conducted legally following all state and federal laws. Hindsight and an email from Paypal led me to see in the fine print of their user agreement that Paypal does not allow selling and buying of guns, gun parts, or ammunition. I immediately stopped using Paypal for my transactions. 

Paypal confiscated over {$11000.00} from my account. They say I violated their user agreement and the money was taken to compensate them for damages. I spoke with 2 different people, the second one, a supervisor told me there were no options, no way to appeal their decision and that he could not reveal my violation of user agreement. He said that each violation bore a compensation of {$2500.00} to Paypal and that I had multiple violations and the money was for damages sustained by Paypal. I asked what damages were sustained and he could not answer. 

When Paypal informed me by email that my account was frozen on XX/XX/2021, they said they would hold my funds for 180 days. They said that they would email me after that time. I never received any more communication from them. I looked at my account and on XX/XX/2021 they posted a payment to Paypal for damages cause by Acceptable Use Policy violation. Just like that! Poof! My money was gone! I can not see how any damages were incurred by such a large worldwide company. 

I feel like the penalties were excessive. I feel like Ive been robbed. The entire balance of my account, {$11000.00}, is gone. I can not find any way to speak to anyone else. When I asked this supervisor, XXXX, if there was someone else I could speak with, he said no, there was no one higher than him. Im hoping that you can help me regain at least some, if not all of my monies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX High Credit Credit Limit Past due balance Date opened Date last active Date last reported Date last payment All this information is inaccurate and I asked that it be removed on several occasions and never got a response nor an update

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 2021-09-23 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: PA

Complaint narrative:
XXXX XXXX High Credit Credit Limit Past due balance Date opened Date last active Date last reported Date last payment All this information is inaccurate and I asked that it be removed on several occasions and never got a response nor an update

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
XXXX XX/XX/XXXX I entered the COVID Forbearance relief program on XXXX XX/XX/XXXX for one year. I have since successfully made the XXXX ( XXXX XXXX Trail payments starting on XXXX XX/XX/XXXX to qualify for a loan modification. I have continued to make on time payments every month and on XXXX XX/XX/XXXX will be 8 months of on time payments. 

I have made five request to M & T Supervisors to receive my loan documents to close on a loan modification with M & T Bank. Each time the Supervisors submit an 'escalation ticket ' which amounts to nothing. M & T 's has stated on numerous occasions that I have provided all they need for the loan modification ; however, my loan modification documents is held up with a third party reviewer. 

It is my belief M & T Mortgage is slow rolling my loan modification documents because I have made it clear I am refinancing my loan under the VA XXXX program and M & T does not want to loose my higher monthly payment ( {$4000.00} ). Each month I could have a lower VA Mortgage payment by 1 % point but I am powerless against M & T Bank. 

This written correspondence will serve as my notice to M & T Bank 's tactics to undermine homeowners by holding loans hostage so to profit on higher interest rates. There is no other explanation.

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 2021-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This was reported inaccurate and needs to be deleted from my credit report!. It was reported to XXXX date closed XXXX and Transunion it has a different date of XX/XX/2016 a clear violation of my rights accordingly to the fair reporting act delete immediately from my Transunion XXXX and XXXX report thank you

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 2021-09-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Hello, every SINGLE account was closed. All 14 of them. No notice. No phone calls. No level of anything. My accounts are all paid correctly, on time, and I am have extremely low credit utilization and to be told by a customer service agent that I am a HIGH CREDIT RISK does not face muster. I will not pay another single dime until ALL my accounts are promptly reopened. I will retain legal services in the process.

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 2021-09-23 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: Colony Brands, Inc.
State: NJ

Complaint narrative:
I DID NOT CONSENT NOR AUTHORIZE THE FURNISHING OF MY CONSUMER REPORT AS A FEDERALLY PROTECTED CONSUMER ACCORDING TO:
FCRA 15 USC -
1681b(a)(2)
1681d(a)(1)(A)(B)
1681e(a)(b)(c)(e)
FDCPA 15 USC-
1692e(a)(b)
THE ATTACHED INFORMATION IS UNAUTHORIZED/FALSE AND MISLEADING/UNDERMINING/IMPAIRED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
I DID NOT CONSENT NOR AUTHORIZE THE FURNISHING OF MY CONSUMER REPORT AS A FEDERALLY PROTECTED CONSUMER ACCORDING TO:
FCRA 15 USC -
1681b(a)(2)
1681d(a)(1)(A)(B)
1681e(a)(b)(c)(e)
FDCPA 15 USC-
1692e(a)(b)
THE ATTACHED INFORMATION IS UNAUTHORIZED/FALSE AND MISLEADING/UNDERMINING/IMPAIRED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I DID NOT CONSENT NOR AUTHORIZE THE FURNISHING OF MY CONSUMER REPORT AS A FEDERALLY PROTECTED CONSUMER ACCORDING TO:
FCRA 15 USC -
1681b(a)(2)
1681d(a)(1)(A)(B)
1681e(a)(b)(c)(e)
FDCPA 15 USC-
1692e(a)(b)
THE ATTACHED INFORMATION IS FALSE AND MISLEADING/UNAUTHORIZED/IMPAIRED/UNDERMINING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Credit report agencies are reporting different information about an account on my credit report. They are reporting different " last reporting dates " and after the account shows that it had been charge off one of the agencies is still reporting OK Payments after 2 years that the account had been Charge Off..

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