vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am contacting the Consumer Financial Protection Bureau in regards to an old account which is still appearing on my credit report in violation of FCRA Section 605 with all 3 credit reporting bureaus ( XXXX, EQUIFAX and XXXX ). The account in question is a XXXX XXXX   opened in XX/XX/XXXX. The partial account number is # XXXX ... 

I am contacting this agency after hearing about your effectiveness in forcing credit reporting bureaus to follow the law. I had previously written to them regarding other violations on my credit report but they had inaccurately validated them and I have been slowly fighting those accounts personally in order to have those creditors fix and or remove the inaccuracies and this process has taken a very big toll on my stress levels and it has not been easy. I am finally successful in getting those inaccuracies adjusted and would like to come to this platform regarding this XXXX  account because XXXX XXXX refuses to open a new investigation for me because this card has been closed for over 7 years and it is past the statue of limitation and also because they no longer have my information on file. 

My complaint is that this XXXX  credit card had its final payment made in XX/XX/XXXX. That is over 7 years ago and this account is still reporting to my credit report with countless lates and delinquencies, which is illegal. 
There are other inaccuracies as well. XXXX, XXXX and Equifax have incorrect dates for the LAST payment on this account and it seems illegally re-aged because it is showing that I made payments AFTER its closure in XX/XX/XXXX which I NEVER did. So, for some odd reason this account was illegally aged over 6 months when in actuality the FINAL payment was made in XX/XX/XXXX. This account should have been deleted from my profile completely in XX/XX/XXXX,  according to FCRA law. It has illegally been reported as being paid past its final payment and its closure and this is absolutely incorrect and damaging to my credit report. This account was settled in court in XX/XX/XXXX and I have had no responsibilities to pay them monthly since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am contacting the Consumer Financial Protection Bureau in regards to an old account which is still appearing on my credit report in violation of FCRA Section 605 with all 3 credit reporting bureaus ( XXXX, XXXX and EXPERIAN ). The account in question is a XXXX XXXX   opened in XX/XX/XXXX. The partial account number is # XXXX ... 

I am contacting this agency after hearing about your effectiveness in forcing credit reporting bureaus to follow the law. I had previously written to them regarding other violations on my credit report but they had inaccurately validated them and I have been slowly fighting those accounts personally in order to have those creditors fix and or remove the inaccuracies and this process has taken a very big toll on my stress levels and it has not been easy. I am finally successful in getting those inaccuracies adjusted and would like to come to this platform regarding this XXXX account because XXXX XXXX refuses to open a new investigation for me because this card has been closed for over 7 years and it is past the statue of limitation and also because they no longer have my information on file. 

My complaint is that this XXXX credit card had its final payment made in XX/XX/XXXX. That is over 7 years ago and this account is still reporting to my credit report with countless lates and delinquencies, which is illegal. 
There are other inaccuracies as well. Experian, XXXX and XXXX   have incorrect dates for the LAST payment on this account and it seems illegally re-aged because it is showing that I made payments AFTER its closure in XX/XX/XXXX which I NEVER did. So, for some odd reason this account was illegally aged over 6 months when in actuality the FINAL payment was made in XX/XX/XXXX. This account should have been deleted from my profile completely in XX/XX/XXXX,  according to FCRA law. It has illegally been reported as being paid past its final payment and its closure and this is absolutely incorrect and damaging to my credit report. This account was settled in court in XX/XX/XXXX and I have had no responsibilities to pay them monthly since XX/XX/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 2018-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
The date in question is XX/XX/XXXX, and the XXXX XXXX, MI resident apart of the Scam that was allowed by XXXX is : XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, MI XXXX. 

XXXX item # XXXX PayPal Email ID XXXX - XXXX   Details : On XX/XX/XXXX an XXXX  transaction for {$470.00} took place for a clothing garment. Upon receipt of the item, XXXX XXXX XXXX a complaint with XXXX/paypal stating his package was empty/never arrived, despite tracking information showing otherwise as well as my prior XXXX/paypal record 's having not 1 blemish for years of transactions. 

The buyer disputed his transaction with his card issuer, which immediately sided with him, prompting paypal to open an investigation and leech funds from my account to give back to the buyer. This is not normal consumer practice. At no time in my life have I ever bought an Item then scammed the store or the seller back for the money as well. This is NOT acceptable

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-07 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: FL

Complaint narrative:
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

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 2018-02-07 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: AL

Complaint narrative:
I contacted XXXX 's about my account not being credited, I was advised by the credit department that they would find out why my account was not credited for the return and make contact with me. This was in 2014, I checked my credit report last year and noticed the collection and began filing disputes. 
I submitted two disputes through XXXX, Transunion and XXXX reference to a creditor XXXX XXXX XXXX XXXX XXXX, WI XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  Credit Bureaus 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. This account was closed due to the item ( XXXX ) was returned to the company back in 2014 and the Account was never credited, as a matter of fact the XXXX   amount was {$350.00} and this company is still showing a past due amount of {$120.00}. I demanded verifiable proof from the consumer with my signature on it on what I am being charged and as of this date I have not received anything, only confirmation from XXXX  that the company notified them that the account was accurate and has not provided any documentation which a violation of the Fair Credit Reporting Act is, Section 609 ( a ) ( 1 ) ( A ). 
XXXX 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 am requesting that XXXX be investigated. 
Regards, 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 2018-02-07 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: AL

Complaint narrative:
I contacted XXXX 's about my account not being credited, I was advised by the credit department that they would find out why my account was not credited for the return and make contact with me. This was in XX/XX/2014, I checked my credit report last year and noticed the collection and began filing disputes. 
I submitted two disputes through XXXX, XXXX  and Equifax reference to a creditor XXXX XXXX XXXX XXXX XXXX, WI XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus 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. This account was closed due to the item ( XXXX ) was returned to the company back in XX/XX/2014 and the Account was never credited, as a matter of fact the XXXX   amount was {$350.00} and this company is still showing a past due amount of {$120.00}. I demanded verifiable proof from the consumer with my signature on it on what I am being charged and as of this date I have not received anything, only confirmation from XXXX that the company notified them that the account was accurate and has not provided any documentation which a violation of the Fair Credit Reporting Act is, Section 609 ( a ) ( 1 ) ( A ). 
XXXX 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 am requesting that XXXX be investigated. 
Regards, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I have a check in the amount of {$30000.00} made payable to myself. The payor has drawn the check on its bank, which is Chase Bank on XXXX XXXX in XXXX Indiana. I want to cash the check and I am not a customer at Chase Bank. I phoned the branch before I came in. I was told that I needed to come in and present the check and then the bank would order the funds which I could pick up at a later date. I was advised that there would be an XXXX dollar fee because I am not a customer. Five minutes later I arrived at the bank. I was told by the branch manager that I could not cash the check because I am not a customer. She said that it required ordering funds and she would not order funds for a non-customer. Then she said that even if I were a customer, she would require me to deposit the check and she would put a hold on it for 2 to 3 days before she would allow me to cash it. I asked her whether there was any way that I could cash the check without depositing it into an account and she told me no. I find this very confusing. I do not wish to deposit the funds. I wish to cash the check. It is a valid check and I presented valid identification, including a US passport. Is Chase correct in telling me that I am not entitled to cash for my check? Is it proper to force me to deposit it?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: NJ

Complaint narrative:
This debt was paid through XXXX XXXX. I have spoken with wakefield and associates on numerous occasions. I have also provided supporting documentation.

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 2018-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
I have repeatedly been called at work by American Express after asking them to stop. Today, XX/XX/2018, they called my work again and my mother 's phone, which has never been provided to them. I was told the same thing I have been told twice before, they would no longer do it again. This is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NE

Complaint narrative:
I have requested multiple times that XXXX XXXX XXXX does not call me and only communicate through mail. However they continue to call me and harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Lending Club Corp
State: NY

Complaint narrative:
I had sent a payment approximately XX/XX/XXXX for my auto loan that was due XX/XX/XXXX. For weeks I watched the account and my bank and had not seen the payment applied. When I reached out to the bank there was no record of my check received and no further information available. When I told the operator the issue they told me something was probably wrong with the post office. 
On the due date XX/XX/XXXX I called and checked online at both institutions and there was no indication and no information available that they received payment. I scrambled and used their high cost XXXX XXXX   powered module on the Lending Club website as a last resort to avoid late payments. 
On XX/XX/XXXX I come to find the check was deducted from my account as if it were presented on the due date in addition to the funds made payable through XXXX XXXX. I feel this practice is done purposely to inhibit prepayment and to keep the clock ticking on the interest until the last possible day. I feel this is an infringment on my right to prepayment without penalty and is a deliberate action of the institution. 
The bank is Lending Club. Their address is XXXX XXXX XXXX XXXX Texas and my account # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 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: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I wrote to Ally about late payments on my auto account, asking them to verify and show proof in writing of my signature to verify my late payments. I gave them several opportunities in the past year to show me this information even though the FCRA gives them 30 days frIm the time of my first request sent by certified mail to show the date. They have never shown me validation of this debt, just internal reports showing that they have in their records that I was allegedly late with 7 of my payments out of the 84 that I made. They have no need or no use to continue to report this illegal information since they didnt verify my signature stating my obligation to repay the debt in the 30 day period previously mentioned. This is a closed account paid in full. They are not acting in good faith to remove these illegal entries of my allegedly being late with payments. I always maintained contact with Ally throughout the course of the loan and paid back every cent of my obligation. Please direct this company to remove these incidents of 30 and 60 day lates that only cause harm to my rebuilding credit. They are on there illegally.

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 2018-02-07 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: FL

Complaint narrative:
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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 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: FL

Complaint narrative:
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

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 2018-02-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: SC

Complaint narrative:
My account with CashCentral ( Community Choice Financial ) is past due, due to hardships I was facing. When they would actually call me, they were aware of this. I'm attaching the last email I received from them, and I'm just getting around to reading. When I call to make payments using either of these numbers ( XXXX XXXX XXXX or XXXX XXXX XXXX ), and also today when I called to find out what I need to do to make a payment, I am/was bounced between departments that can not help me. Each person that I speak to asks for my SSN, name, and telephone number, and this makes me really uneasy that there may be something foul occurring at this company. Finally the tenth person explained that my balance on the account was {$1800.00}, and that an amount of {$480.00} was being charged off to a collection agency - she then informed me that she could connect me to the right person that could help me. When she transferred me, I spoke with a XXXX at the corporate office who also asked for my SSN and name, and once he had that information, he immediately transferred me to someone else. By the twelfth person I spoke with, she informed me she was over the department for California, so she couldn't help me but she would speak with her manager so she could TRANSFER me to the right person. After being on hold for about a minute, she hung up. This has been a constant thing all day and in the past, and it is really upsetting. I was on the phone from XXXX XXXX - XXXX XXXX being bounced around, with the stomach flu trying to be a productive member of society. It's to a point where I don't even want to deal with anyone from that 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