vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2019 I purchased a pair of concert tickets for {$50.00}, the seller chose PayPal as the method of payment and instructed me to choose the " friends and family '' option. Me, who rarely uses and is largely unfamiliar with PayPal, agreed and sent over {$52.00}. Once I was emailed the tickets, I discovered that I was not forwarded the ticket order shown to me during discussing purchasing the tickets but rather forgeries. I immediately contacted PayPal to try and cancel the payment but was told since the money was already sent with the 'friends and family '' option there was nothing that could be done besides contact the seller and ask for a refund- which I promptly did and was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 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: GA

Complaint narrative:
There were four Dispute letters sent to each Credit bureau. All credit bureaus investigated a collection account on my report for {$3700.00} that is not mine and does not have a legal sign contract stating that it's my account. XXXX XXXX found the collection account is unverified and the account was closed on the XXXX XX/XX/2019 as seen on attachment. Then on XX/XX/2019, it was put back on my report. Equifax and XXXX fail to do their investigation correctly after all four disputes sent. The first Dispute letter was sent out on XX/XX/2019, Second, XX/XX/2019, Third, XX/XX/2019, and XX/XX/2019. I also sent out validation letters to the collection agency and they failed to prove that the account is mine with no proof of a signed contract nor other information that was asked according to the federal Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 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: GA

Complaint narrative:
There were XXXXour Dispute letters sent to each Credit bureau. All credit bureaus investigated a collection account on my report for {$3700.00} that is not mine and does not have a legal sign contract stating that it's my account. XXXX XXXX found the collection account is unverified and the account was closed on the XXXX XX/XX/2019 as seen on attachment. Then on XX/XX/2019, it was put back on my report. XXXX and Experian fail to do their investigation correctly after all four disputes sent. The first Dispute letter was sent out on XX/XX/2019, Second, XX/XX/2019, Third, XX/XX/2019, and XX/XX/2019. I also sent out validation letters to the collection agency and they failed to prove that the account is mine with no proof of a signed contract nor other information that was asked according to the federal Fair Credit Reporting Act ( FCRA ).

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 2019-12-22 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: NC

Complaint narrative:
Since XXXX of this year, I've been sending update letters to Equifax, XXXX   and XXXX  to delete old and inaccurate addresses and outdated information on my credit report. These companies are still reporting old and inaccurate addresses and information even after I initially sent them at least two update letters but they never updated my personal information. These are all of the inaccurate addresses on all three of my credit reports that still haven't been deleted but need to be removed. 



XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX  XXXX, NC, XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX, NC, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Overview You've paid off 0 % of your collection amount. 
Balance {$810.00} Highest Balance {$810.00} Opened XX/XX/XXXX ( 5 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name 08 XXXX XXXX XXXX  Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Overview You've paid off 0 % of your collection amount. 
Balance {$900.00} Highest Balance {$900.00} Opened XX/XX/XXXX ( 2 yrs, 6 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX   XXXX XXXX, GA XXXX ( XXXX ) XXXX Overview You've paid off 0 % of your collection amount. 
Balance {$670.00} Highest Balance {$670.00} Opened XX/XX/XXXX ( 4 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( 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 2019-12-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2019 Bank of America XXXX XXXX XXXX XXXX, TX XXXX Dear Bank of America, Potentially Negative Item in XXXX  Credit Report Bank of America Secured Credit Number Last four Ending XXXX / Last for SSN XXXX Thank you for taking the time to read this letter. Im writing because I noticed that my most recent XXXX  credit report contains Potentially Negative item reported for my Bank of America Secured Credit card account. ( Refer attachment XXXX credit report number XXXX ) I want you to know that I understand my financial obligations and Id have an excellent repayment record. Above account paid in full and closed. 

Im planning to apply for a mortgage and its come to my attention that the Negative Item on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the Potentially Negative item on XXXX   credit file. 

Thank you for your consideration, and I hope youll approve my request. 


XXXX XXXX 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 2019-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I did not have the best of credit, my score was about 630. I had originated a loan XX/XX/XXXX on a XXXX XXXX XXXX with Credit Acceptance, XXXX XXXX XXXX XXXX XXXX. XXXX, MI. XXXX The loan document shows the amount financed was XXXX, at an APR of 22.99 % for a total finance charge of {$10000.00} for a term of 66 months, the monthly payment being XXXX with the first payment due XX/XX/XXXX. I have made my payments and have had no problems until I was involved in an auto accident on Tuesday XX/XX/XXXX. I even made my regular vehicle payment to Credit Acceptance in the amount on {$380.00}, on Friday XX/XX/XXXX. I regularly paid more than my monthly payment. 

On Tuesday XX/XX/XXXX The XXXX Insurance adjuster declared the vehicle a Total Loss and the at fault drivers insurance company, XXXX has issued a market value total loss payment check, made entirely payable to Credit Acceptance on XX/XX/XXXX in the amount of {$9300.00}. 


Credit AcceptancXXXX has generated a letter on XX/XX/XXXX. Stating they received an insurance check and made no reference to how much the check they received was for. They also claim I owe money on the loan since I did not have GAP insurance. No amounts given on the letter I have never received ANY telephone contact communication until XX/XX/XXXX, when I returned their missed call. Now they call every day, several times a day trying to collect a " deficiency amount '' that changes on EVERY phone call. It's insanity. 

My contract states a loan for XXXX, with a 22.99 % APR. It states the total finance charge would be {$10000.00}. For a total of payments being {$25000.00}. They credited only {$4800.00} finance charge rebate, which I find odd as there are 41 months left on the loan, The math does not add up, they FLAT OUT told me I'm not entitled to an accounting of how they arrived at the finance charge rebate. They threatened to RUIN my credit, The offered an {$800.00} pay in full settlement on Monday XX/XX/XXXX. When they called me on Friday XX/XX/XXXX the offer was {$900.00}. 
And they'll help me get another car. The joke is ON them, I have already purchased another car and I'm paying much less interest thanks to the timely payments of the car and several credit cards my credit score has gone up significantly since my original loan with Credit Acceptance.

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 2019-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
I'm trying to refund a payment on PayPal that seems like it went to a sketchy vendor but PayPal won't let me refund, the option isn't there but I've already paid in full the amount owed for the item

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
By the Grace of God, I ; Man deny that this is my account, this account was established without my knowledge and I have no contractual agreement with these companies. i require the fraudulent accounts be removed from my report FTC report enclosed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX XXXX XXXXXXXX, Potentially Negative Item in Experian Credit Report XXXX XXXX XXXX Secured Credit Number Last four Ending XXXX / Last for SSN XXXX Thank you for taking the time to read this letter. Im writing because I noticed that my most recent Experian credit report contains Potentially Negative item reported for my XXXX XXXX XXXX Secured Credit card account. ( Refer attachment Experian credit report number XXXX ) I want you to know that I understand my financial obligations and Id have an excellent repayment record. Above account paid in full and closed. 

Im planning to apply for a mortgage and its come to my attention that the Negative Item on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the Potentially Negative item on Experian credit file. 

Thank you for your consideration, and I hope youll approve my request. 


XXXX XXXX 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 2019-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I have no legal binding accounts with this company so I asked them To not contact me or report on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Since XXXX of this year, I've been sending update letters to XXXX, Experian, and XXXX to delete old and inaccurate addresses and outdated information on my credit report. These companies are still reporting old and inaccurate addresses and information even after I initially sent them at least two update letters but they never updated my personal information. These are all of the inaccurate addresses on all three of my credit reports that still haven't been deleted but need to be removed. 



XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX   XXXX, NC, XXXX XXXX XXXX   XXXX, NC, XXXX XXXX XXXX  XXXX, NC, XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX, NC, 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 2019-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Bull City financing will not accept my dispute for {$1400.00} I keep telling them I left the house and someone cut the power back on

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Experian XXXX. Box XXXX XXXX, TX XXXX Dear Experian, Potentially Negative Item in Experian Credit Report XXXX Thank you for taking the time to read this letter. Im writing because I noticed that my most recent Experian credit report contains Potentially Negative item reported for my XXXX XXXX XXXX XXXX Credit card account. XXXX Refer attachment Experian credit report number XXXX ) I already made a complain to XXXX XXXXXXXX XXXX though CFPB XXXX Complain ID XXXX ) Since XXXX Open and Negative item reported more than 7 years Please remove this Potentially Negative item on my Experian Credit profile. 
Thank you for your consideration, and I hope youll approve my request. 


XXXX XXXX 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 2019-12-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am a victim of fraud. XXXX, and XXXX took the last collection off my report which was a {$320.00} from A collection agency. However, Equifax refuses to take it off. When I called them on XX/XX/2019 they put me through all these cks to verify my identity when I get to a live person they hang up on me. I tried to call back several times and they are unreachable. I checked my Equifax score today XXXX XX/XX/2019 my score dropped 34 points they refuse to help me and tell me why.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC
State: CA

Complaint narrative:
I have no legal binding accounts with this company nor debt with account stating in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I have no legal binding accounts or debt with this company and no accounts with the account number of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
On XX/XX/2019 I check my checking account activities with T.D.Bank and saw that my account was negative {$14.00} Immediately I transfer {$17.00} from my savings to my checking. so that should cover the negative and left {$3.00} Then my brother made a deposit into my checking account of {$20.00} on XX/XX/2019 wish was the next day. When I check my account on that day there was a charge of {$35.00} for overdraft fee. That was a error from the bank I file a complaint with the XXXX and I check my account a few days later and was another fee of {$35.00}. 

This is fraud I'm sick and tired of having problems with this bank the whole year. I'm a XXXX Senior Citizen with fixed income, and can't afford to be wasting money giving it to any banking institutions. I is always involved in error by the customer service department. 

When you call the Customer Service Representative they be very rude and unprofessional on the phone. I suffer from XXXX also XXXX XXXX XXXX.They are robbing me from my food money. I don't get food stamps here in XXXX XXXX County Virginia were I reside. 

This is all for now My name is XXXX XXXX XXXX my checking account number is XXXX Attach you will see proof of my account activity and the transfers deposit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Several attempts have been made with Santander to correct the information reporting to two out of the three credit reporting agencies, XXXX and XXXX. A dispute was made for a third time to XXXX and XXXX stating the information for a 30-59-day late payment was incorrect and needed to be fixed immediately. XXXX and XXXX came back with a statement that states Santander Consumer is providing accurate information even after a formal statement issued by Santander to myself was issued to the agencies as proof. Santander continues to report false information even after providing a statement that the information would stop being reporting several months ago. As a consumer I should not have to suffer for the negligence of your customer service team providing inaccurate information to me about payment schedules during a refinance process. This is my FINAL notice to Santander Consumer to correct the information. Two letters prior were mailed out with the documents you requested, copies of my credit report showing the inaccurate reporting. If Santander does not comply to the statement you issued to me stating, you corrected the wrongful information on a certain date, I will use my right under the FCRA to take legal matters against the company. Attached is an XXXX credit report dated for XX/XX/2019. Please refer to the highlighted section for the statement issued stating Santander is reporting the negative mark as accurate instead as removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I have no legal binding accounts with this company nor any debt and no accounts with the number of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/XXXX realized wallet was stolen with XXXX debit card and XXXX credit cards and drivers license. Tried to log into Bank of America online but unsuccessful. 
XX/XX/XXXX called fraud dept of Bank of America and other credit cards reported them stolen and requested new cards XX/XX/XXXX card was used at XXXX store XXXX twice on same day for total of {$4300.00} XX/XX/XXXX went to boa branch for assistance talked to XXXX XXXX for account status. 
XX/XX/XXXX recd letter from boa rejecting my fraud claim. 
XX/XX/XXXX called boa fraud dept. spoke to XXXX who said would resubmit claim XX/XX/XXXX boa branc spoke to XXXX who called fraud dept. later called fraud dept and talked to XXXX. 
XX/XX/XXXX spoke to XXXX in fraud at boa XX/XX/XXXX recd letter denying claim spoke to XXXX XX/XX/XXXX called boa with police case number. XXXX gave me dates and names

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