vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX I had some returned payments i made a payment and hat to close my banking account do to it being compromised and some payments got returned but i tried many times calling Capital one for several days to get the situation resolved i sent them payments through my new accounts so the account is paid off completely and they charged me for the return payments and thats paid off they kept telling me that my card was on a XXXX day hold to make sure the funds was there then they would release the credit but it did not happen kept calling back talk to managers then they told me they closed XXXX of my accounts and they could never be back open cut the cards up i think this was unprofessional unethical that they would not try to help me in any way i was trying the best that i could and i talk to my daughters and friends and they said they had return payments and they never done that please help me understand why was i treated in this manner and why would they not want to resolve this issue with me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Receivable Management Services LLC
State: MD

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

RECEIVABLE MANAGEMENT is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. 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 2021-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capstone Credit & Collection, LLC.
State: IL

Complaint narrative:
I need your help immediately. 
A company was reported on my credit file XX/XX/2021 from Capstone ( XXXX XXXX XXXX XXXX XXXX ) for {$10000.00}. This company never contacted me in any way ( phone, email or mail ) before putting it on my credit file. I sent in a request for validation XXXX times about this inaccurate information being placed on my credit. They didn't send my any documentation back so I have any contract or any association with this company. This is not right at all for a company or creditors to do this and the credit bureau to allow it. 

Please help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: MD

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on L J ROSS ASSOC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: AL

Complaint narrative:
I have notified Equifax XXXX  times in XXXX months in writing and provided proper documentation including police report, identity theft packet a court order and state issued photo identification. They did not respond within 30 days and did not block the fraudulent accounts from my report within the required XXXX business days. When I call they are not helpful. They are not following the FRCA at all. XXXX has already removed them and blocked them but Equifax has done nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on EQUIFAX response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX. XXXX XXXX XXXX Date XXXX XXXX, XXXX ; XXXX. XXXX XXXX XXXX Date XXXX XXXX, XXXX ; XXXX. XXXX XXXX XXXX Date XXXX XXXX, XXXX ; XXXX. XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX. JXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date XXXX XXXX, XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
In XX/XX/2021, I telephoned Freedom Mortgage Company to advise them the XX/XX/2021 payment would be paid at the end of XXXX because my wife and I were closing the account due to the sale of the home. On XX/XX/2021, we signed all documents with the title company and from there, they processed the payments. To my knowledge, they were going to wire the balance due of the loan that day but instead, the title company chose to send an overnighted check to XXXX. That check was received according to tracking o XX/XX/2021. Freedom Mortgage then reported to credit bureaus on XX/XX/XXXX that the account was XXXX XXXXays past due, even though they had a check in hand that they never cashed. This has caused both my wife and I 's scores to drop substantially, creating a hardship for us. Even thought the account is now paid 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
Consumer complaint received 2021-11-23 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: FL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: ME

Complaint narrative:
On XX/XX/XXXX I was sent an email by pay pal saying I was no longer allow to use my pay pal account without an explanation as to why they was holding my funds for XXXX days, all my money in pay pal is my government stimulus money, unemployment & child tax credit, Im single mom with XXXX kids my last child isXXXX month old and I lost my job due to XXXX and only financial survival was my government pandamic funding that pay pal has locked and wont allow me to access my money. Paypal wont give me an explanation as to what Ive done to go against there policys, I have no money and no way to pay my bills or provide for my family due to all my money was in that account due to direct deposit I set up with irs and unemployment, Ive had paypal for over 10 plus years I currently have {$11000.00} in that account that was mine to care for my family threw the pandamic and I have nothing till they release my money and they are telling me I wont be allowed to my money till XXXXXXXX XXXX  2020 I need help this is inhuman and righteous wrong. There will be a disastrous effect on the financial well-being of my family if Im not able to access these funds for XXXX months not to mention no holidays to provide for my family XXXXm a single mom on section XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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 — Investigation took more than 30 days
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Ocwen Loan Servicing , LLC and PHH Mortgage reported inaccurate information to the Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself. This item is reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about this complaint. 

( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself. This item is reporting late as reported in TransUnion. Lets correct this immediately. TransUnion is required to verify for themselves, but they failed to neither verify nor update me about this complaint. 

( 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 non-monetary relief
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Westlake Services, LLC
State: FL

Complaint narrative:
On XX/XX/2021, I sent in a written cease and desist notice to XXXX XXXX XXXX XXXX. It was received on XXXX XXXX according to certified tracking number XXXX XXXX XXXX XXXX XXXX. Pursuant to XXXX XXXX XXXX ( XXXX ) once received in writing by the consumer, all forms of communication with me through ANY and ALL mediums should stop, UNLESS it pertains to my remedy in writing via mail. 

XXXX XXXX XXXX XXXX violated my consumer rights pursuant to XXXX XXXX XXXX ( c ), I received an email today XX/XX/2021 at approximately 4:43pm. This is a form of communication through the medium of an E-MAIL. They sent an email regarding a " billing statement ''. XXXX XXXX XXXX failed to comply with federal law. 

XXXX XXXX XXXX XXXX did not comply with federal law, and is now civilly and criminally liable for willful noncompliance. 

Pursuant to XXXX XXXX XXXX Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( XXXX ) any actual damage sustained by such person as a result of such failure ; ( XXXX ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}

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 2021-11-23 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: NJ

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself. I'm not swayed that Equifax efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Equifax is reporting inaccurate information on the listed accounts below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( ( Original Creditor : ) XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I logged on to XXXX to obtain all of my reports it would not let me access them. TransUnion froze in the middle of it loading so I was not able to pull my report and print it. When I went back in to try it again it said sorry that we can not help you. I also tried to get it from XXXX. XXXX said that I did not pass the verification, even though I entered all of my information correctly. Once that didn't work, I called XXXX XXXX XXXX and XXXX to rectify the situation and spent the entire talking to an automated system. According to 15 USC 1681j ( a ) ( C ) ( ii ) ( III ) my credit reports are supposed to be easily accessible.

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 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I logged on to XXXX to obtain all of my reports it would not let me access them. XXXX froze in the middle of it loading so I was not able to pull my report and print it. When I went back in to try it again it said sorry that we can not help you. I also tried to get it from XXXX. XXXX said that I did not pass the verification, even though I entered all of my information correctly. Once that didn't work, I called XXXXXXXX XXXX XXXX and XXXX to rectify the situation and spent the entire talking to an automated system. According to 15 USC 1681j ( a ) ( C ) ( ii ) ( III ) my credit reports are supposed to be easily accessible.

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 2021-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I used XXXX Gas and Electricity for my power services and cancelled the services in XX/XX/XXXX since I was moving back to XXXX XXXX from XXXX. I notified XXXX that I will no longer reside at this address and they got my updated info to keep in contact for the final bill. Fast forward to XX/XX/XXXX and I received a notification from XXXX that my credit score has dropped a whole rating due to a collection notice from XXXX XXXX XXXX XXXX XXXX XXXX never sent me a final bill nor reached out to collect payments before sending me to collection. Not only did they do this in the middle of a pandemic but no matter what number I call I am not able to speak to a live person since I don't have an active account anymore. I have cleared the debt same day and the collection agency has received my payment. I need XXXX and the collection agency to remove the inquiry and restore my credit as this was all done illegally and was meant to destroy what I spent years to build over {$110.00} in the middle of a pandemic!

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 2021-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
I did a moneygram transfer to my relative because she needed money moneygram rejected it they took it from my account in seconds, and said it will take 10 days to return it they are holding my money and earning interest on my money and I need my money back they can take it in seconds but not return it immediately. Thats not right and not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MT

Complaint narrative:
XXXX company out of Idaho acquired information via XXXX and without authorization used my Social Security XXXX to run down my credit on an account already reported by XXXX. When I requested that Experian remove the redundancy, Experian did not comply and claimed that they had right information so this company can run down my credit

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 2021-11-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Account that is still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX XXXX Date Opened : XX/XX/2012 Balance : {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
LVNV Funding has sent collection letters to me over the past XXXX  years for the same debt. Each time a letter is received, I have sent a request for validation. LVNV has never validated the requests. I have reached out to each credit bureau and advised them that the debt was not validated. The credit bureau removed the accounts in late XXXX. I have now checked my credit report and see that they have once again added collection accounts that have already failed to validate. All validation requests were sent via certified mail. Copies of certified mail receipts were sent to each credit bureau as proof of delivery. 

XXXX account has already been removed by the original creditor due to fraud. How are they able to keep collecting? 

How are they able to continue to collect by using different companies to represent them. XXXX. XXXX XXXX, XXXX, XXXX & XXXX. This is true harassment. ( XXXX XXXX allows you to dispute via their site. I only have documents to show that they reached. I am unable to view my disputes via their portal. However, it does show that they reached out at the same time as LVNV, which is a violation. ) At this point, I know that I am being harassed and my rights are being violated. 

Account number XXXX Collection opened XX/XX/XXXX Account number XXXX Collection opened XX/XX/XXXX Account number : XXXX Collection opened : unknown

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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 — Investigation took more than 30 days
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Ocwen Loan Servicing , LLC and XXXX XXXX reported inaccurate information to the Credit Bureaus.

Company response to consumer: Closed with explanation