vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aqua Finance, Inc.
State: SC

Complaint narrative:
We bought a water softener in XXXX of 2015. The loan was for {$6400.00} for 6 years. We made minimum payments. 

The first year we paid $ XXXX/month with a 5.9 % interest rate. The following years until the present day we have paid $ XXXX/month with a 13.99 % interest rate. 

Year-to-date, we have paid {$4100.00} and only {$1400.00} of that has gone to the principal amount. {$2600.00} has gone to interest. 

There was one month where only {$1.00} went to the principal. The paperwork does not say what the amount would be just paying the minimum for 6 years. 

We have a balance of {$5100.00}. These types of water softeners go for about {$1500.00} at XXXX XXXX. The terms of our contract are unfair and contain predatory lending on behalf of Aqua Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 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: IL

Complaint narrative:
I WAS A VICTIM OF ID THEFT IN XXXX OF 2019. I FILED A REPORT WITH THE FTC, XXXX POLICE DEPARTMENT AND CONTACTED BANKS. I SUBMITTED ALL THE DOCUMENTS TO ALL THREE CREDIT BUREAUS YET THEY DECLINED TO REMOVE THE INACCURATE INFORMATION FROM MY CONSUMER 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 2019-06-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I WAS A VICTIM OF ID THEFT IN XXXX OF 2019. I FILED A REPORT WITH THE FTC, XXXX POLICE DEPARTMENT AND CONTACTED BANKS. I SUBMITTED ALL THE DOCUMENTS TO ALL THREE CREDIT BUREAUS YET THEY DECLINED TO REMOVE THE INACCURATE INFORMATION FROM MY CONSUMER 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 non-monetary relief
Consumer complaint received 2019-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I am one of USAA 's victims. and was not included in the terms announced by CFPB and USAA on XX/XX/XXXX. On numeroud occasions, USAA denied me a reasonable error resolution investigation and which I continue to labor under even today. The harm USAA has caused is irreparable as they put on a huge facade as to how they labor on behalf of the veteran. This, in my opinion is nothing more than a marketing strategy and ruse. You can look at the national level of complaints against USAA and while I am glad CFPB sanctioned USAA, it was not enough. Furthermore, I am confident I am not the only one left out of the bone-jarring {$180.00} restitution payment. 


Consumer Financial Protection Bureau Settles with USAA Federal Savings Bank Bank Failed to Stop Payments or Resolve Errors, Must Pay {$12.00} XXXX in Restitution, {$3.00} XXXX Fine XX/XX/XXXX Washington, D.C. The Consumer Financial Protection Bureau ( Bureau ) today announced a settlement with USAA Federal Savings Bank, a federally chartered savings association headquartered in XXXX XXXX, Texas. 

As described in the consent order, the Bureau found that USAA violated the Electronic Fund Transfer Act and Regulation E by  failing to properly honor consumers stop payment requests on preauthorized electronic fund transfers, and by failing to initiate and complete reasonable error resolution investigations. USAA also violated the Consumer Financial Protection Act of 2010 by reopening deposit accounts consumers had previously closed without seeking prior authorization or providing adequate notice. 

Under the terms of the consent order, USAA must, among other provisions, provide approximately {$12.00} XXXX in restitution to certain consumers who were denied a reasonable error resolution investigation, and pay a {$3.00} XXXX civil money penalty. 

The consent order is available at : XXXX XXXX XXXX XXXX XXXX XXXX The Bureau of Consumer Financial Protection is a 21st century agency that helps consumer finance markets work by regularly identifying and addressing outdated, unnecessary, or unduly burdensome regulations, by making rules more effective, by consistently enforcing federal consumer financial law, and by empowering consumers to take more control over their economic lives. For more information, visit consumerfinance.gov.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 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: CA

Complaint narrative:
THIS IS A LEGAL NOTICE AND WILL BE USED AS EVIDENCE IN A COURT OF LAW Since XX/XX/XXXX, and on several documented occasions within the past year ( XXXX ) I have requested Equifax Information Services LLC to remove the incorrect addresses from being reporting on my credit file and Equifax Information Services LLC has refused to remove the incorrect information. 
This incorrect information is causing me grave financial harm. Please instruct and force Equifax to remove the following incorrect addresses : XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX. 
Equifax Information Services LLC if you continue to refuse of not removing the incorrect information then please stop maintaining and reporting my credit information ; and remove or delete my credit file from your data bases. The information you report belongs to me, XXXX XXXX, and the credit information is my property not yours, so please perform your fiduciary duty of maintaining my credit information accurately. 
If you, Equifax Information Services LLC, refuse ; then please inform me that you will no longer maintain my credit information on your data base. 
If I am denied credit in the future due to your negligence of my maintaining and reporting accurate information then you, Equifax Information Services LLC, agree that you shall be solely responsible for any of my financial loss, the defamation of my character, any loss of any opportunity I loss and any other damages, harm caused by your negligence. 
Please remove the incorrect addresses within 10 days ; Equifax Information Services LLC if you refuse, I will commence legal action to obtain the monetary amount I informed you I would seek on the notice I sent via Certified Receipt # XXXX, in which you received XX/XX/XXXX. I will seek the amount I stated in a court of law. 
I am requesting for Equifax Information Services LLC to remove the incorrect information within 10 days. 
I certify under penalty of perjury this statement is true and correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Late payments XXXX 2017-XXXX 2017. I was not late. I have bank statements and santander online account documents to prove it. Santander continues to report this to the bureaus, never followed up with me on regards to the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I HAVE REQUESTED ON NUMEROUS OCCASIONS A PHYSICAL VERIFICATION OF THE ORGINALSIGNED CONSUMER CONTRACT. I HAVE DEALT WITH RUDE AGENTS AND BEING PLACED ON HOLD FOR INORDINATE AMOUNTS OF TIME. UNDER THE FCRA ACT SECTION 609 ( a ) ( 1 ) ( A ), YOUR .COMPANY IS REQUIRED BY FEDERAL LAW TO VERIFY THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT. I DEMANDED TO SEE A COPY OF THE ORIGINAL CONTRACT WITH A WET INK SIGNATURE ON IT. COPIES OF COPIES ARE NOT VALIDATION AND ARE NOT CONSIDERED PROOF THAT YOU HAVE ON FILE. UNDER THE FCRA LAWS UNVERIFIED INVALID ACCOUNT MUST BE REMOVED. EQUIFAX, XXXX, XXXX  HAVE NOT GIVEN ME VALID PROOF AS INSTRUCTED. AS RESULT OF THIS CONTINUOUS REPORTING OF FRAUDUELT UNVERIFIED ACCOUNTS. THESE ACCOUNTS WERE OPEN BY A THIEF AND NOT ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
On XX/XX/XXXX I sent payoff check to collection company to have them update the status of the account, Company : XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX. 
My Check number XXXX cleared my bank on XXXX  XXXX XXXX : XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX, IN XXXX.Company did not update my credit report as requested. Filed dispute with Transunion, XXXX XXXX, XXXX, PA XXXX. Recieved investigation results fromTransunion stating investigation results verified as accurate. Thus my credit report was not corrected to show the account as close and paid in full and continues to show as active and in collection.

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 2019-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have had my PayPal account for a few years, when I started doing buisness I switched to the PayPal business account, for all my purchases, and as a place to accept payments for my online store. 
The products I was selling in the beginning were $ XXXX- {$100.00}. 

Recently I scaled my business into a wholesale business and Im now getting $ XXXX- $ XXXX orders. I guess that raised suspicion, with no reason they froze my funds {$800.00} of MY MONEY FROM MY BUSINESS THAT I received, I hadnt shipped the orders out but it had been about 3 days, ( not a long time at all ). 

I usually take 1-2 weeks to ship. 

They wouldnt tell me why they froze the funds they just said we dont think youll be a good match for us any question I asked they said due to security reasons we can not tell you why were closing your account. 

In other words, youre going to have to take your business elsewhere. 

It has ruined my entire business. I was relying on that money for my future customers. AND THAT PLATFORM! 

Theyre holding my money for SIX months! With no explanation as to why! 

XXXX!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I had someone in a home use my phone to transfer money from my account to Coinbase. I alerted Coinbase. They froze account, This happened back in XX/XX/2019 Here it is the XX/XX/2019 and I still can not enter my account pending an investigation that supposed to be 1 week. I need to transfer money from there to my XXXX XXXX account to cover the XXXX I am in. I had an issue with my job in Pennsylvania and a emergency. This has caused alot of financial hardship! I have lost alot of money since I had my account frozen. I could of reinvested the principal a few times to make a few thousand dollars. So I am going to be contacting a lawyer soon. 

Latest call to ask what was going on with account gave me this case number Case : # XXXX The following are calls Ive made and was given a case number that gets closed and does not resolve me being locked out of account. 

Case # XXXX Case : # XXXX Case # XXXX Case # XXXX Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In reference to complaint XXXX-XXXX, the company response, dated XX/XX/2019, stated : " XXXX/Dept. of Ed deleted the first date of delinquency of XX/XX/2019, updated the current balance to reflect {$14000.00} and deleted the instances of the account being 90 days late and change the payment due amount to {$120.00}. '' However, The TransUnion Investigation Results dated XX/XX/19, which I received via USPS on XX/XX/19, still shows a 90 day delinquency on my XXXX account as of XX/XX/2019.

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 2019-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One is showing a 30 day late in XX/XX/2017. I've contacted Capital One via email ( to executives ) and phone ( Executive Resolutions Department twice ) several times. Capital one is acting unreasonable by not deleting the one 30 day late ( it is my only late ever from both of my Capital One cards over the past three years ). 

I am not allowed to purchase a home in Virginia for my family due to this one 30-day late payment. 

Please help me resolve this issue with Capital One so I can purchase a home. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
( all evidence is attached for this complaint ) I revoked consent via certified mail for BBVA to call me and ask that they : 1. Communicate by mail only no phone calls 2. No recording me. 3. I asked that they not call me using automated dialing systems and they did two times leaving a voicemail on one of them this past week of XX/XX/2019. I asked them back in XXXX to STOP CALLING. 

No lawsuits have been filed yet, but I am represented by an attorney who handles Consumer Protection Violations under RFDCPA AND TCPA. I ask that BBVA reach out to my counsel right away to discuss this before it escalates further. 

Please contact : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: C.Tech Collections, Inc.
State: NY

Complaint narrative:
Hello, I am getting Chased by C.Tech for an unpaid {$65.00} for a doctor visit at XXXX XXXX. 

When I called XXXX XXXX, they advised it was from an office vist with XXXX XXXX XXXX. 

XXXX XXXX Office confirmed I do not owe them anything since I paid the full {$65.00} out of pocket during visit. 

I informed C.Tech and they have still proceed to chase me for payments that I do not owe. 

XXXX XXXX 's number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 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: ONLINE Information Services, Inc.
State: IN

Complaint narrative:
On XX/XX/XXXX I sent payoff check to collection company to have them update the status of the account, Company : Online Information Services, XXXX XXXX, XXXX, NC XXXX. 
My Check number XXXX cleared my bank on XX/XX/2019 : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IN XXXX.Company did not update my credit report as requested. Filed dispute with XXXX, XXXX XXXX, XXXX, PA XXXX. Recieved investigation results fromXXXX  stating investigation results verified as accurate. Thus my credit report was not corrected to show the account as close and paid in full and continues to show as active and in collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have sent Equifax several certified letters asking them to verify certain accounts on my credit report. After sending several letters equifax refuses to delete or verify those acounts. I sent certified letters XX/XX/2019, XX/XX/2019, and the latest letter was sent XX/XX/2019. To this day Equifax continues to report inaccurate information on my report causing me to suffer from bad credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 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: TX

Complaint narrative:
I am a XXXX XXXX on an XXXX visa. I have established credit since living in the United States and have credit files with all three major bureaus. I have obtained and reviewed my credit report from XXXX  and XXXX and they are complete and accurate. 

My credit report with Equifax is incomplete as it does not contain my Social Security Number. As such, potential lenders are unable to verify my identity using my identification as there is no match on my SSN. I have raised a number of disputes with Equifax, in which they requested that I provide valid proof of identification in the form of a copy of my social security card and my drivers license. 

The first three disputes did not result in the inclusion of my SSN and did not mention it in the results of the dispute. 

The most recent and final dispute raised in XX/XX/2019 resulted in Equifax writing to tell me that " The worker ID number is not issued by the social security administration as a social security number and can not be added to your Equifax file. '' I phoned Equifax who informed me having reviewed the documents that they did not consider my Social Security card to be a valid Social Security Number. I believe this relates to text on my Social Security card stating that the number is " valid for work only with DHS Authorization '', as it relates to my status as a non-resident alien which requires a visa in order to continue residing and working in the United States.

That being said, it remains a valid social security number and is used by my employer, lenders, and the IRS as a means to identify me. It is included within the 'Social Security Number ' box on my W2 and on my tax return. 

Equifax have been unable to provide any suggested resolution to this matter - their only suggestion was to visit the social security office to have that text removed from the card. This is not possible, since the text is required as it relates to my status in the United States. 

The issue has prevented me from obtaining credit in certain circumstances. I do not believe it is unreasonable to ask for my SSN to be added to my credit file ensuring it is complete, as the other credit bureaus have. I have provided documentary evidence of my SSN in good faith and believe Equifax should act on this information to avoid discriminating against me due to my status as a non-resident. 

My lenders each report my SSN on my file and it is therefore listed as a " SSN variation '' on my file, but that does not allow it to match when a potential lender is attempting to verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
I had a voluntary escrow/impound account for the property taxes and hazard insurance. In XX/XX/2019, I split my payment, making my principal and interest payment by the XX/XX/XXXX of each month which meets the terms of my Note and I made my escrow payment before the end of the month and I wrote and explained to the mortgage company what I was doing and why. They have assessed me late charges that are unwarranted.

I cancelled my voluntary escrow account in XX/XX/XXXX, and sent them the payment for the negative balance ; which they have cashed. They have failed to correctly update their records to show the payment due of the principal and interest only on the monthly mortgage statements.

Again, I have called, sent secure emails on their website and have written letters to no avail. Their response time for each piece of communication is unacceptable ; taking weeks or months to respond.

Now they are in my opinion harassing me, by sending notices stating that I am delinquent when in fact I am not. Again, the escrow account was voluntary and the payments were made before the end of the month, no late charges should have been assessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 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: AR

Complaint narrative:
I HAVE REQUESTED ON NUMEROUS OCCASIONS A PHYSICAL VERIFICATION OF THE ORGINALSIGNED CONSUMER CONTRACT. I HAVE DEALT WITH RUDE AGENTS AND BEING PLACED ON HOLD FOR INORDINATE AMOUNTS OF TIME. UNDER THE FCRA ACT SECTION 609 ( a ) ( 1 ) ( A ), YOUR .COMPANY IS REQUIRED BY FEDERAL LAW TO VERIFY THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT. I DEMANDED TO SEE A COPY OF THE ORIGINAL CONTRACT WITH A WET INK SIGNATURE ON IT. COPIES OF COPIES ARE NOT VALIDATION AND ARE NOT CONSIDERED PROOF THAT YOU HAVE ON FILE. UNDER THE FCRA LAWS UNVERIFIED INVALID ACCOUNT MUST BE REMOVED. XXXX, TRANSUNION, XXXX HAVE NOT GIVEN ME VALID PROOF AS INSTRUCTED. AS RESULT OF THIS CONTINUOUS REPORTING OF FRAUDUELT UNVERIFIED ACCOUNTS. THESE ACCOUNTS WERE OPEN BY A THIEF AND NOT ME.

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