vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-23 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
First off.. 

this site itself keeps telling me to apply for more and more and more.. it is harassing telling me to apply for more credit knowing my information. yet I apply and get refused.. you know the information. Stop telling me to apply knowing you are hurting my credit.. I disagree.. Credit control is my right if it holds me back.

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 2019-11-23 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: NC

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 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: NC

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I received an email asking if I'd like to apply for a personal loan. Once I applied, I was matched with Amplify Funding as a lender. I completed the application, received a message saying I was approved for {$1200.00} and to call the toll free number for verification. Once I was on the phone with a rep from Amplify Funding, I was asked to log in to the website and complete the application process. I was asked while completing the initial application if I could afford a payment over {$250.00} per month. I answered yes. But it wasn't until I was approved and reviewed the loan document online that I realized I was expected to make 12 payments of {$410.00} per month with an interest rate of XXXX percent. My {$1200.00} loan was going to end up costing me {$3700.00} in interest. 

After investigating Florida financial law, I realized this company is not licensed to do business in the state and the XXXX percent interest rate also violates Florida law. 

I wrote a letter to Amplify Funding which I attached to an email and sent on XX/XX/XXXX stating that the loan violates Florida law including the reasons why, and that I am only obligated to repay the principal. I also stated how I would repay the loan and asked Amplify Funding to contact me to set up the payment plan. They responded to my email ignoring my request and stating although the ACH had been cancelled, I was still responsible for paying the entire loan amount of {$4900.00}. 

I sent another email on XX/XX/XXXX again stating the same information as above and asked them to contact me to set up a payment plan. I also requested a letter from them confirming the loan will be considered paid in full once I pay back the {$1200.00} principal. I have not heard back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
XXXX Estimated loan amount in total {$44000.00} After having my Federal tax returns seized because of my defaulted student loans with Navient I started making a year 's worth of consecutive payments to get my loan out of default. I was then advised, after they came out of default to consolidate my school loans and given little to no information on how this would impact my credit, I was mislead into thinking this was the best option, so I did it. This severely hurt my credit leaving me unable to get any type of financing anywhere. I was given no information on who consolidated my loans or how to even start paying on the consolidated loans back. I still can't find this information. Also, I recently started getting billed from Navient for another loan that I thought was included in the consolidation but was left out of it and now going into defaulted status. They have failed to give me any other options and have failed to advise and inform me with the best possible solutions to repay my loans without damaging my credit and taking my Federal tax returns. This has ruined me financially. I am a single mom of XXXX young kids working hard to provide for my family and count on my Federal tax returns to get ahead. I can't even finance anything, house, car, credit cards, etc. I almost wish I opted out of even getting student loans and paid out of pocket. This has ruined my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Client Services, Inc.
State: NJ

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 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: CA

Complaint narrative:
I sent XXXX, XXXX & TransUnion 609 dispute letter on XX/XX/19 stating : " According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. '' - I received mail from XXXX XX/XX/19 stating account " Remains '' & account " Updated '' and they did NOT provide anything I asked in the letter. I would like all accounts listed in the letter to be deleted please. 
- I received mail from XXXX XX/XX/19 and ALL accounts were deleted. Thank You. 
- I received mail from TransUnion XX/XX/19 stating all account were " updated '' with out any proof of anything I asked in the letter. I would like all accounts I listed in the letter to be deleted please. 

I asked for specific items to be DELETED since they have not provided any proof with my wet ink signature or able to verify any accounts as mine. 

All letters were notarized and sent certified mail so I have proof. 

Please help me en-force as this has dramatically effected my families freedom.

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 2019-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
On XX/XX/2019 I applied for an HSBC Bank Gold MasterCard online ( App. ID. 
XXXX ). 
The application form had a US citizenship question to which I answered XXXX, because I am XXXX XXXX XXXX XXXX. 
My credit was in the high 600s, good credit. 
Though I gave the bank my SSN, they did not pull my credit report to ascertain who I was.But instead decided to manufacture a reason that my identity could not be verified. 
Because after quoting ECOA, in the denial email, which forbids denial of credit based on national origin, and i XXXX XXXX XXXX XXXXXXXX XXXX, whoever handled my application, in my opinion, was in a dilemma.So they decided not to pull my report because it was a futile excercise or redundant. 
HSBC approves ONLY XXXX XXXX  for credit cards, a violation of ECOA.So no matter my credit situation, I would not qualify for the Gold MasterCard. 
Fast forward to the pre-approval letter to apply for a personal loan. 
If they could not verify my identity by a simple effort of pulling my credit report which takes a few seconds, how was HSBC, XXXX, NY able to access my credit report and mail me a pre-approval letter for a personal loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 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: NCB Management Services Inc.
State: OH

Complaint narrative:
NCB XXXX a debt collector continues to report an account that was discharged in a bankruptcy as an open account. The information includes a balance of {$150.00} as if it is the current balance. I was told by XXXX that their legal department says it must be reported that way when I spoke to him on XX/XX/19 and XX/XX/19. Both dates he said he would contact me. He didnt contact me on either date. I was told the only way the account would be considered closed is if the balance was satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harmon Law Offices, P.C.
State: RI

Complaint narrative:
Law Office Posted 2 Different Foreclosure Times. Proof of Sloppy Actions which have continued

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: OH

Complaint narrative:
I was going over my credit report and seen FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that are not accurate The FOLLOWING ACCOUNTS ARE NOT MINE : XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, ENHANCED RECOVERY COMPANY # XXXX. They are in violation of FDCPA 805/806/809. Demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
For many years, Macy 's continues to add interest to revolving charge accounts even when they are paid off immediately upon receipt of the monthly bill. It is always {$2.00}. They are so used to getting calls disputing this charge that they have placed an automatic message that if the call is to dispute an interest charge, they will adjust the charge as " a courtesy. '' The balance is verified with them prior to payoff and the bills have been paid in full every time. W How about not charging it in the first place? 

Millions of customers that don't check their bills carefully or don't want to spend time on the telephone have been bilked out of millions of dollars. No other credit card company does this. It is time to force Macy 's to halt this practice and refund these " interest fees. ''

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 2019-11-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Santander doesnt work with 3 rd party integrators like XXXX and 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 2019-11-23 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am a victim of identity theft I have contacted credit bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that the item came back validated even though the information is not correct.

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 2019-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I do personal sales as a hobby in XXXX. so I had to open a paypal account. I opened a paypal account on XXXX. I approved my credit card on the same date. I made a sale on XXXX on XXXX  and received my payment. After that XXXX date I made a sale again on and got my payment. XXXX  products hold funds until customer is delivered. I added my bank account on XXXX and it was approved. paypal wanted my identity document date on XXXX sent the same day and confirmed. I made a resale on XXXX  on XXXX. Released my XXXX  funds on XXXX. I wanted to withdraw my money. and paypal closed my account without emailing me. same day from me identity document, supplier invoice and cargo information of the products I sell. i sent them all. then I spoke to a customer representative for live help. and told me to wait. 2 days later I entered my account. completely closed my account without sending me an email. paypal confiscated my XXXX dollars money. and he said I couldn't get this money for six months. how this happens. I re-entered my account on XXXX and this time he asked me for a photo of my ssn card. said the numbers should look. I sent my ssn card and ID again. these are not a bank. why he wanted to use my documents many times? and again approved my papers. but still did not release my money. I called them many times. I've e-mailed 5 times. i wrote on XXXX and XXXX. they never answered my mail. they never told me an excuse. they just confiscated my money and said wait 180 days. this is not true. and never not transparent. they confiscate people 's money. I don't want to use them anymore. and i just want my money back. XXXX dollars is a big money. I am not rich. I am a worker in XXXX. i need this money. I made expenses for these products. and that was all my money. I have no money to hire a lawyer. please help me. I did not do anything bad. i sold shoes only. how do they do this after I have approved all my documents. he has to ask for paperwork when opening an account. but paypal never does that. confirms account first. requests paperwork after money arrives and closes account. this is never true. they asked me for all my legal documents even though they were not a bank. Please help me please Paypal account XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
CapitalOne refuses to work with 3rd party aggregators like XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I sent a certified procedural verification letter dispute # XXXX XX/XX/19 requesting documentation of proof of the accounts referenced in the letter to be valid and that the collection agencies, XXXX, any third party or court provide me documents of the alleged collections or public record accounts. And, that XXXX is unacceptable for verification procedure. However, all I received was a copy of my credit report stating The company has reported the information has certified to Experian that the information is accurate or updated This is NOT acceptable. I have not received any information from anyone to verify these accounts. I am demanding immediate removal of these disputed items. Or, I will be acquiring an attorney to represent me in these violations of the 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 2019-11-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I pulled my credit report recently and noticed Capital one auto finance has reported a " Charge Off '' on the auto loan to 3 credit bureaus. In XX/XX/2019 I sent full payment to Capital one auto finance via certified mail. The amount owed was {$11000.00}. I gave Capital one auto finance multiple chance to respond but they never did and now they have reported a " Charge off '' to all 3 credit bureaus which is affecting me tremendously as I am in the process of buying my first home. I have contacted all 3 bureaus to do a proper investigation into this matter and they recently sent back a letter stating they all did a proper investigation but none of them sent me the supporting docs to prove they are reporting the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Century Debt Solutions Inc.
State: AZ

Complaint narrative:
We started pool service with XXXX XXXX XXXX XXXX XXXX when we moved into our home in XX/XX/2017. All went well until the following year in XXXX. The service was handed off to someone new. The parts broke often, the baskets and filters were filled with leaves, we often bought chemicals as the pools chemical composition was a mess, our backyard completely flooded and the last straw was when our pool turned green all while we had a weekly pool service. XXXX XXXX XXXX XXXX has turned our bill over to Century Debt Solutions who we have tried to make contact with multiple times to no avail. XXXX now claims that we owe {$250.00}. This is false. We cancelled our service in writing on XX/XX/XXXX. The owner continued to bill us {$90.00} and I made many attempts to contact him, all of which received no response. In the past, if there was a problem, he would respond. Once we cancelled, no such luck ; Although he did continue to bill us ... this has been a ridiculous nightmare that I would like to go away. The owner did finally reach out to us to let us know we would have to strictly deal with the debt collectors, now they will not respond either. Our final bill shows as {$90.00}, not {$250.00}. He had agreed to forgo The last payment due to the fact that the service was awful. I tried to contact him many times through e mail, text, and voicemails with no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have multiple inquiries on my credit that I didn't authorized and its affecting my personal credit score. The companies that are on my credit report I don't know them and I've never done any business with them

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 2019-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have multiple inquiries on my credit that I didn't authorized and its affecting my personal credit score. The companies that are on my credit report I don't know them and I've never done any business with them

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