vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV Funding Acct # XXXX Date opened XX/XX/2016 or XX/XX/2016 ( depends on which credit report bureau ) $ XXXX $ XXXX {$720.00} ( depends on which credit report bureau ) The only reason I found out the accts were on my credit report was the fact I applied for a small business loan due to covid. I was surprised since I don't have a lot of debt. 

I immediately pulled all three credit reports to find out why my score was so low. At first, when I disputed the accounts with the bureaus thinking it was my old XXXX XXXX account and a debt collection co. purchased from XXXX XXXX acct. which I knew was too old to be reporting. Well apparently it isn't a XXXX XXXX account. Its some off the wall bank. 
I ended up googling the companies and finding out it is actually a bank and a debt collecting company on behalf of that bank. 

First of all, I have never heard of that bank and most definitely did not open any bank account. What is strange is I have never been contacted by either companies by any means of communication to ask for payment. I have had the same phone number for 22 years and lived at the same address for 7 years. I have requested information be provided as to when the bank acct was opened, who opened the account and where this took place, any executed agreement reflecting my info and signature, details on the debt like when and what was purchased for either $ XXXX {$720.00} or {$720.00}? and why haven't they contacted me. All three credit bureaus have different information. One states that this company is a factory???? Did I buy something there? If so, please provide actual proof that they have the right XXXX XXXX. This wouldn't be the first time this has happened but usually the bureaus remove it right away since it isn't the correct XXXX XXXX. Please look further into this. After they realize I am not the owner, please have them remove it from the Credit Report Bureaus as this is affecting my loan status.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I made a dispute No. XXXX to Capital one for a transaction made on XX/XX/XXXX for a Hotel Reservation refund in the amount of $ XXXXCapital One denied the dispute and close the dispute. I made Hotel Reservations with XXXX  XXXX XXXX XXXX for a Hotel Reservation in XXXX, XXXX for a stay from XX/XX/XXXX to XX/XX/XXXX. Due to Covid- 19 all traveling was banned. I reserved with the right to cancel at anytime. I cancelled on XX/XX/XXXX. XXXX offered me a voucher for future use which I did not accept it, and I asked for a cash refund to my credit card. It has been 130 days since I requested the refund without success. Eventhough,  XXXX sent me an email on XXXX XXXX stating they were going to process the refund and it was taking a minimun of 60 days to process the refund, I have not received a refund. I made a dispute with my card issuer-CApital One and sent all the documents that proof the purchase, the cancellation and the conversation with the merchant, but Capital One is not accepting all of this proof and stating that I did not comply with their request to send a refund voucher IF I have one from XXXX. How am I going to have a refund voucher if I am not even able to contact this merchant by phone, by messages, or by email anymore. XXXX  has not even processed the refund after 130 days of my request. CApital One is not protecting me as a consumer for a merchant that it is clearly unscrupulous. Capital One states that XXXX is making a suitable alternative by providing me with a voucher for future use. It is my understanding that Visa Guidance to card issuer states that a merchant should process a refund promptly if the cardholder declines to accept a voucher for future use. I can't contact the merchant. I am not getting help from Capital One which it is my understanding is as LIABLE as the merchant for a service not provide and a refund not even process. According to my Cardholder 's Agreement with Capital One I have the right to an Arbitration Claim, but they are simply  finding all kind of excuses to end this dispute as soon as it is possible. I clearly sent to Capital One the writing conversation with the XXXX 's representative IMPLYING that they were going to process my refund. Capital One should accept this statement as a proof of acceptance from XXXX to make a refund. I made a complaint with Capital One but XXXX ( Supervisor ) stated that even filing the complaint, Capital One was not going to do anything else. It is my right as a Capital One/VISA cardholder to be protected under the Consumer Protection Act of 1986.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-19 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
In XX/XX/2020, I attempted to set up automatic payments on my target card, in XXXX my card was declined, when I contacted Target Card Services, the employee advised me that there was a mistake and the reoccurring payment was only for one payment. 

I advised them when I set this up, that was not explained to me, and made no sense. The employee I spoke to said that shouldve been explained to me and that she would remove any late fees or reports to the credit bureau, due to the payment plan not being explained to me correctly. 

On XX/XX/2020, I was notified by my financial expert, that there was a 30 day late reported to credit bureaus for XXXX. I immediately contacted Target Card Services, and spoke with the employee/supervisor XXXX. XXXX said she could not remove the reported 30 day late report, even if it was there fault. I explained to her that I was told months ago it would be removed from my account, and she said there was nothing she could do on her end.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
XX/XX/2020 i receive a payment a deposit for XXXX for annual royalty payments. i never seen any of the money i contact sound exchange They my account on for other rise that don't make any scene. 

XX/XX/2020 i receive my annual payment for BMI 2 payment total of XXXX royalty. 

In this process I was closing my bank account I received notification that my deposit was deposit. form the bank and B M I Last night I received my unemployment UI Total of XXXX, i went to the bank because the account is in the close stages. 
That said they can withdraw the deposits But it would be XXXX i said that not the full deposits. they said that my BMI money never cleared my account. Wish that is not true.

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 2020-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
Their response was a billing statement to my complaint through the CFPB which proves nothing. A statement is not proof this account is mine. Continuing to play games with me and my credit theyre going to find themselves in a class action lawsuit because if they did this to me Im sure theyre doing it to others. So I will make this issue well known. If I open a card in somebody name and run it up youre going to give a statement to the person whose name the card was in. That doesnt prove it was theirs. It should be some proof provided when and how this card was applied for because it doesnt look familiar to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Acceptance Corporation
State: OR

Complaint narrative:
I provided detailed information to this company that i had overpaid XXXX XXXX XXXX  XXXX in full, and was due a refund that i disputed XXXX XXXX. XXXX provided the credit. 
XXXX sent to collections to XXXX XXXX that i provided with all the documentation. At which point they said they would go back to XXXX to obtain proof of the amount due in the first place. Which was never provided. I don't know what legal action i can take, but will be suing them if they damage my credit, which i received a letter that they threatened to do. 
I have proof i owe nothing to them, already paid to XXXX all amounts due. 

This damaging and i would like XXXX XXXX held responsible for unfair debt collection practices as they have no proof that i owe any amounts.

Company response to consumer: Untimely response
Consumer complaint received 2020-09-19 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: American First Finance, Inc.
State: PA

Complaint narrative:
XX/XX/2020. I spoke with XXXX from American Finance on a recorded line about possibly settling my debt from the closed account. which i then asked that if i can settle for a specific amount of {$400.00} that the account will be settled and removed. this is when XXXX assured me that the account would be settled and removed if i was able to ay the said amount of {$400.00}. since XX/XX/2020 i have been I debating and disputing with American First Finance about the removal and settlement of the account which they now tell me it can not be removed. as of right now this account is showing up negatively on my XXXX  report and by XXXX assuring me over a recorded line that the account will be taken care of therefore makes it a binding conversation and i feel as though this company is not doing right by their part of the contract. I haven't received a confirmation number, i have complained and told them i wanted to hear the conversation with XXXX, and i have only received an email with an attachment with transaction history but with no proof of who is receiving payment. I'm trying to buy a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
last year i have been approved to a trial modification payment and i made all my payments within the stipulation on the letter ... i was making my payments ALL and until XXXX when the payment was due i called the automated service as usual and they informed me that they can NOT obtained my payments because they denied my loan mitigation application. According to them i did not provide the information they requested. also they informed me that they never contact me because in their system they had an attorney in file ... ( THIS WAS NOT TRUE ) the attorney they were attempting to send documents ( never copy me on any letters ) were sent to an attorney that worked for the association of the condominium i reside HE NEVER REPRESENTED ME. 
The only solution they provided me back then was to resubmit the application package AGAIN and re apply .... I did it, and I was denied again Now because they said i miss two payments ( Payments that they did not took in XXXX, XXXX XXXX and because i had applied twice ( which this is what i was told by them ) I am a senior spanish speaking and I asked them the option to please revise the circumstances of why the application has been denied. i being living in the property for 14 years and with the pandemic i am suffering XXXX  I am affraid to loss my home please help me to have them review my case carefully as i feel this is not being handle appropriately and with care according with my case.

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 2020-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XX/XX/2020 I sent a request to receive my free annual consumer report and as of XX/XX/2020 I have yet to receive any consumer report from any of the three bureaus.

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 2020-09-19 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: MI

Complaint narrative:
XXXX XXXX {$370.00} open balance, XX/XX/2019, XXXX XXXX. 

I have no idea who either of these companies are.

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 2020-09-19 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: MI

Complaint narrative:
XXXX XXXX {$370.00} open balance, XX/XX/2019, XXXX XXXX. 

I have no idea who either of these companies are.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 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: LJ Ross Associates
State: MI

Complaint narrative:
XXXX XXXX {$370.00} open balance, XX/XX/2019, XXXX XXXX. 

I have no idea who either of these companies are.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
Dear CFPB, My name is XXXX XXXX XXXX. My complaint is against PayPal. My PayPal merchant ID is XXXX. I am the XXXX XXXX at our local church by the name of XXXX XXXX XXXX. I started the PayPal account for our XXXX XXXX charity operations. I am writing to complain about the unscrupulous business practices of PayPal. Since around XX/XX/2020 my account has been frozen and I am no longer able to conduct business with my account. PayPal allows me to receive payments from my e-book customers, donors and friends but I am not allowed to make any payments or withdrawals from my account for three consecutive months now. PayPal 's compliance department requested for official documentation including bank statements and proof of address which I gladly provided. PayPal has since repeatedly promised to call me directly on several occasions but has never called. I sent messages through the PayPal message center concerning this but they gave no explanation as to why they have repeatedly failed to contact me as promised. I have sent repeated messages complaining about this issue. Some of my messages are completely ignored. I have over USD {$26000.00} in this account. I have bills and employees to pay. My credit is being adversely affected because of the freeze on my account. I have submitted all of the official documentation required by PayPal 's compliance department but even after I submitted the documents PayPal went quiet. Their operations are very suspicious and I fear that my funds may have been stolen by PayPal. 

Any assistance CFPB can provide in this matter will be greatly appreciated. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Aargon Agency, Inc.
State: CO

Complaint narrative:
Aargon Collection Agency - XXXX XXXX  XXXX XXXX, XXXX XXXX, NV XXXX - XXXX Aargon Collection Inc. Has repeatedly contacted me before XXXX and after XXXX. I have attached the most recent calls for proof/review by CFPB.

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 2020-09-19 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: NY

Complaint narrative:
ACCOUNTS LISTED ON MY CREDIT PROFILE THAT DOES NOT BELONG

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 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:
XXXX XXXXXXXX XXXX XXXX Account numberXXXX .... 
Recent balance Not reported Date opened XX/XX/2013 Status NO STATUS. 

THIS IS REPORTING WRONG. BALANCE ON THIS CREDIT CARD IS {$9000.00}. THIS IS A REPORTING INCORRECTLY.

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 2020-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XX/XX/2020 I sent a request to receive my free annual consumer report and as of XX/XX/2020 I have yet to receive any consumer report from any of the three bureaus.

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 2020-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On XX/XX/2020 I sent a request to receive my free annual consumer report and as of XX/XX/2020 I have yet to receive any consumer report from any of the three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 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: MI

Complaint narrative:
XXXX XXXX XXXX {$500.00} XX/XX/2018 XXXX XXXX  XXXX {$230.00} XX/XX/2018 I have never done business with this company.

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 2020-09-19 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: MI

Complaint narrative:
XXXX XXXX XXXX {$500.00} XX/XX/2018 XXXX XXXX XXXX {$230.00} XX/XX/2018 I have never done business with this company.

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 2020-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
ACCOUNTS LISTED ON MY CREDIT PROFILE THAT DOES NOT BELONG

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 2020-09-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
ACCOUNTS LISTED ON MY CREDIT PROFILE THAT DOES NOT BELONG

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 2020-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
THE ACCOUNT IS LISTED AS 30 DAYS LATE WHEN I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND IT HAS AFFECTED MY CREDIT IN A BAD WAY

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 2020-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bliksum, LLC
State: CA

Complaint narrative:
LOAN ME CLAIMED A LOAN WAS TAKEN OUT ONLINE IN XXXX XXXX NAME WHICH I'VE FILED A POLICE REPORT AND FTC COMPLIANT REGARDING THIS ACCOUNT. I HAVE EMAILED THE DOCUMENTS REQUESTED TO XXXX FIELDS OF LOAN ME AND XXXX WHO IS REPORTING THIS FRAUDULENT ACCOUNT ON MY CREDIT REPORT. I WOULD NEVER AGREE TO SUCH TERMS OF ANY TYPE OF LOAN LIKE THIS. THIS IS A SCAM.

Company response to consumer: Closed with explanation