vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-29 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: OH

Complaint narrative:
I don't know how to go about getting this corrected so I was told to file a complaint if thingson my credit were incorrect. My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX OH XXXX. My DOB XXXX My SS # XXXX. I found an incorrectspelling of my name ( XXXX XXXX ) not name please delete it. I was looking further intomy file I found addresses that I never lived at. Please delete the following unknownaddresses : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: OH

Complaint narrative:
I don't know how to go about getting this corrected so I was told to file a complaint if thingson my credit were incorrect. My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX OH XXXX. My DOB XXXX My SS # XXXX. I found an incorrectspelling of my name ( XXXX XXXX ) not name please delete it. I was looking further intomy file I found addresses that I never lived at. Please delete the following unknownaddresses : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH 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 2021-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: NJ

Complaint narrative:
On XX/XX/2021 I received a billing statement in the mail from a collection agency called AMERICOLLECT, INC notifying me of an amount due to a hospital. On XX/XX/2021 I mailed a debt validation letter to their offices via USPS, asking them to validate the debt for which they are seeking to collect. Unfortunately that letter was mailed un-certified and strangely, I did not hear back. After recognizing my error, on XX/XX/2021 I mailed a second Debt Validation letter via USPS Certified Mail accompanied by a return receipt. In the Debt Validation letter I asked AMERICOLLECT, INC to prove that this medical debt is mine. I asked for specific documents, at minimum a document bearing my signature where I acknowledged owing AMERICOLLECT, INC. A few days later, I received my return receipt in the mail and about ten days after that, I heard back. AMERICOLLECT, INC responded by sending me a vague semi-itemized bill. It is my belief that AMERICOLLECT, INC has failed to validate the debt in question, which is a FDCPA violation. Furthermore, they have failed to provide proof within the document as to their legal rights to collect on this debt. Not only did AMERICOLLECT, INC not validate the debt but the company decided in the interim to take action and report this invalidated debt to the credit bureaus. As soon as I received the first paper billing statement in the mail, I immediately sought to understand who they were and where this was coming from. The action of reporting this debt, which had NOT been validated constitutes fraud under both Federal and State laws. As of XXXX XXXX, a third and final correspondence has been mailed to AMERICOLLECT, INC in the form of a Failure to Validate letter. In the letter the company has been alerted that I will seek legal consult as to how to move forward. The action AMERICOLLECT, INC has taken to report this invalidated debt has proven detrimental to my credit report and credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: WA

Complaint narrative:
I pulled my credit report and noticed I have 2 unauthorized inquiries from the following companies and demand that they be removed from my credit reports. Not only is it inaccurate because they are reporting separate dates, but per the FCRA, any inaccurate reporting information must be removed so I'm demanding the removal. 

XXXX  : -XXXX  - XXXX XXXX ( inquiry from XX/XX/2020 ) TransUnion -XXXX/XXXX  ( inquiry from XX/XX/2020 )

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 2021-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: WA

Complaint narrative:
I pulled my credit report and noticed I have 2 unauthorized inquiries from the following companies and demand that they be removed from my credit reports. Not only is it inaccurate because they are reporting separate dates, but per the FCRA, any inaccurate reporting information must be removed so I'm demanding the removal. 

Equifax : -XXXX  - XXXX XXXX ( inquiry from XX/XX/2020 ) XXXX  XXXX ( inquiry from XX/XX/2020 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: KY

Complaint narrative:
Do not owe this money for phone bill. They do not have a contract with my signature. Unable to validate the debt or verify that it is mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I tried on numerous occasions to talk with someone pertaining to the Santander settlement. I have been patient and I would like this account closed and deleted according to the Pennsylvania Santander Settlement and also The FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: NY

Complaint narrative:
I was in an accident on or around XXXX of XXXX I was referred to pain doctor for rehab, I was XXXX diagnosed and told I needed XXXX, the XXXX was supposed to be covered my my car insurance, and the other persons car insurance and I had Medicade through the state I believe it was XXXX XXXX at that time. 1-2 years after the XXXX I start getting mail and phone calls that I owe this money, all of my bills should have been paid through insurance and lawyers claim. I am still being charged this amount for this medical bill, I have tried to get this resolved with the insurance companies and everyone is giving me a run around and pointing fingers with no hope to resolve. Please help me. I also later found out the place I was refers to go to for pin was shut down for fraud, for making false insurance claims and lying on injuries paitensts didnt have. It is under XXXX XXXX which is my old name my name name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My husband, son and I were contracted to do work as XXXX using our XXXX XXXX XXXX XXXX for a job in XXXX of XXXX. Paper checks were mailed to us, however I realized in XX/XX/XXXX that we never received the checks, so we contacted XXXX XXXX XXXX let us know that they mailed the checks in XXXX and they were cashed. They provided us a photo copy of 2 of the missing checks ( the third was never cashed, nor did we receive it ). It looks like the checks ( checks XXXX for {$720.00} to XXXX XXXX and check XXXX for {$720.00} to XXXX XXXX ) were cashed on XX/XX/XXXX with a Capital One Stamp ( we do not nor every have banked with Capitol one ) and a signature that is neither mine or my husbands. ( see attached ) When I received these images from our agent it reminded me that in XXXX. we had break in at our home. An intruder broke into the lobby of our complex ( XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX ) and broke into ours, and all our neighbors mailboxes. My assumption is the intruders stole the checks and cashed two of the three. ( the third check issues to my son, XXXX XXXX still shows as uncashed ) I called Capitol One, and after and hour on the phone with them jumping from person to person I was told that I'd have to ask my employer ( XXXX XXXX ) to contact their bank ( XXXX XXXX ). So we did just that, XXXX has been working with XXXX XXXX and ultimately XXXX XXXX advised that there isnt an action that they can take to recover the loss as we sent it to the address on file and at that point, its out of our hands. They suggested that someone contact the police, file a report, and contact the bank that processed the check. 

I feel like it is the responsibility of XXXX XXXX to compensate us for the fraud, given that they cashed a check without checking ID or matching signatures. 

I'm frustrated with the run around and we simply would like the money that was stolen from us via fraud. 

ive also include a copy of a check that my husband and I have written and signed recently so you can see an authentic copy of our signatures

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
XX/XX/2021 someone took at XXXX XXXX coins out of a crypto wallet held on Coinbase wallet. This transaction was unauthorized. Coinbase is unwilling to compensate for my losses that were out of my control. There response was that my recovery phrase was compromised and used to authorize the withdrawal. ( Never happened and it is physically impossible for anyone but Coinbase to know my recovery phase, hence theyre the ones that issue it. ) I want the money and or coins reimbursed. I have already reached to Colorado dept of finance services. I have also withdrawn everything affiliated Coinbase to a separate wallet for safekeeping.

Upon further reque st I can send attachments through encrypted email correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
Please refer to case number XXXX for detailed explanation. 

BBVA 's claim : A request was emailed to branch personnel on XX/XX/2020 for the following supporting documentation : copy of Driver 's License and Social Security Card. 
According to branch personnel, they contacted you and requested the documentation on XX/XX/2020 ( This never happened ) Above statement from BBVA claims that it has fulfilled its part as a financial institution. However upon making numerous calls to both BBVA card service and the branch that I submitted application, none of them mentioned about submitting my DL and SSN prior to my call to XXXX XXXX on XXXX. 

I logged all my call history between myself and BBVA to keep the track of process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: General Motors Financial Company, Inc.
State: MS

Complaint narrative:
Twice in XX/XX/2021 ( on XX/XX/XXXX AND XX/XX/XXXX ), XXXX  reported my auto loan with GM Financial as being closed. This caused my credit score to drop not once, but TWICE this month. They now corrected the issue, but failed to correct my credit points that dropped as a result of their incorrect reporting. I contacted GM Financial on two occasions and they stated that my auto loan has been reported as open with all 3 credit bureaus monthly and this mistake was not on their end, but on XXXX end. When I called XXXX to get this matter resolved, the rep said " Im so sorry for your trouble. Let me get you the necessary information to remove a hard inquiry ''. I said " Sir, this isn't a hard inquiry. As I stated, this is an open report that is being inaccurately reported as closed! ". I need XXXX to correct their mistake and adjust my credit points that was taken away from me due to their error! This is very unfair as I am working extremely hard on keeping my credit score above XXXX. My score is now a XXXX! I'm attaching each days of the discrepancy to show how they removed and added on two occasions causing my score to drop on multiple occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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:
I don't know how to go about getting this corrected so I was told to file a complaint if things on my credit were incorrect. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX GA XXXX, SS XXXX DOB XXXX I found an incorrect spelling of my name XXXX XXXX XXXX is my only name please delete any other version. I was looking further into my file I found addresses that I never lived at. Please delete the following unknown addresses : XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH 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 2021-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XXXX XX/XX/2021 I transferred {$380.00} via mobile phone app from XXXX XXXX  account into my personal checking account with Chase Bank. I later discovered XXXX XXXX  flagged the account for fraud, notified the Chase Bank Fraud Department which later restricted access to the account. On XXXX XX/XX/2021 when I went inside the XXXX, WA branch on XXXX XXXX XXXX XXXX and presented my credentials to withdraw money, the banker confirmed the account restrictions. Later via telephone conversations, the banker stated the issues originated from my social security number. 
Later that evening, the Fraud Department from Chase Bank denied access to all accounts. The telephone customer service agents were neither forthcoming nor forthright with specific information regarding the circumstances about the account. No one from the Fraud Department was available to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: HI

Complaint narrative:
Attempted to trade in my 2010 XXXX XXXX XXXX that is financed through Exeter Finance. I have had consistent payments throughout my contract. When the dealership ran my credit, on my credit report it said Exeter finance 90 days past due and it said my car was up for repossession. Even on the website for Exeter finance it shows I made payments and I have been consistent with 20 payments since Ive had this car.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: IL

Complaint narrative:
I was involved in a romance scam between XXXX and sent money to the person through XXXX XXXX, Western Union, XXXX XXXX  and also through XXXX  These were either done in person or through there apps. 

This is not part of the settlement that was already done through Western Union ending XX/XX/2017 and XXXX XXXX ending XX/XX/2017. These are all transactions happening after the dates, and I wanted to start a new case towards these.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: Santander Consumer USA Holdings Inc.
State: AR

Complaint narrative:
I reviewed a copy of my credit report and I see that there is collection item listed that I am not aware of. I attempted to contact the collection company and request verification and received nothing back. I understand that this is a violation of FDCPA and need to have account deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: MD

Complaint narrative:
AMSHER Collection services at XXXX XXXX XXXX XXXX XXXX, AL XXXX has been sending me collections notices in the amount of {$1700.00} the collection has been reported as a past due balance. I do not know this company.i have never done any business with this company, and this company does not have a contract with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: GA

Complaint narrative:
I don't know how to go about getting this corrected so I was told to file a complaint if things on my credit were incorrect. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX GA XXXX, XXXX  XXXX DOB XX/XX/1985 I found an incorrect spelling of my name XXXX XXXX XXXX is my only name please delete any other version. I was looking further into my file I found addresses that I never lived at. Please delete the following unknown addresses : XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: GA

Complaint narrative:
I don't know how to go about getting this corrected so I was told to file a complaint if things on my credit were incorrect. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, SS XXXX DOB XX/XX/1985 I found an incorrect spelling of my name XXXX XXXX XXXX is my only name please delete any other version. I was looking further into my file I found addresses that I never lived at. Please delete the following unknown addresses : XXXX XXXX  XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH 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