vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Ygrene Energy Fund Inc.
State: FL

Complaint narrative:
My husband and I were interested in having solar panels added to our home. I contacted Ygrene three times and spoke with three different people about getting funding for this project. All three people told me the amount we qualify for is dependent on the equity in our home ( which is currently about {$40000.00} ). We were advised three times to have an appraisal conducted. We had the appraisal conducted, which cost {$280.00}. 

When I made the fourth call to find out how to send them a copy of the appraisal and a copy of the written solar installation proposal, I spoke to yet another person. She told me funding is based on the amount of equity UP TO A LIMIT OF 10 % OF THE HOME VALUE. For us, this is only {$12000.00}, which is not enough to complete the project. Had I been told this previously, I would not have spent the money to get the appraisal done as I would have known it would not be enough funding. 

Additionally, Ygrene 's website states, " Approval based on home equity and ability to pay, '' and " Approval based on home equity. '' Nowhere in the website is a limit of 10 % of home value discussed. 

Ygrene 's advertising and even their agents are deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: Paypal Holdings, Inc
State: NY

Complaint narrative:
Hello I keep getting harassed by XXXX XXXX XXXX about money I owed to paypal which was the creditor which was fraud and never authorized by me which paypal knows and should have in there notes. So I am unsure why this is still on my credit report or even going on. I have no problem explaining the situation. These collection agency 's keep calling up my phone and keep sending me letters. Under the fair credit act I asked them to show me proof I really did anything which I know they can not since It was fraud and I never signed over anything. I just want this deleted from my file on XXXX, XXXX, XXXX and any other companies.

Last year I had spoke to paypal a few times to try and resolve this whole thing they had mentioned something about money from an XXXX there was a bunch of transactions and my paypal I had closed to avoid this from growing. Paypal was going to reverse all money to XXXX account this way she would owe the money. I believe it was her son hacked into my file and tried to pay his mother with paypal. I do not feel responsible In anyway as this was fraud and not authorized by me. I keep getting these settlement letters but there is nothing for me to settle as I do not owe paypal XXXX so I hope you guys can help resolve the matter and the people who owe the money. If anyway I can help I would be more than happy to do so but this is 100 % fraud. I just want the harassment to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Receivable Solutions, Inc.
State: OK

Complaint narrative:
I, on behalf of my husband, called XX/XX/2019 to inform Receivable Solutions, Inc. upon receiving a letter ( dated XX/XX/2019 ) that the account about was already paid off through the hospital. A mix up in accounts had caused a delay in payment being posted and the account was current. The lady who took my was rude, interrupting me, and refusing to allow me to talk. When she said her name it was muddled. As I tried to explain the mistake that had caused the issue, she interrupts me to say I have an account in collections as well. I explained that I was not aware of this account, but that shouldn't be. She was condescending about having her supervisor " check into '' the information I had provided about payment being made directly to the hospital. I asked if I could speak directly with that supervisor. She then said that if someone was there to talk me as if no supervisor was available to talk to me. After being on hold for several minutes, XXXX answered, who identified herself as a supervisor. I told her about how I was treated by the first lady. The supervisor apologized for me not being treat to " my expectations '' and said she would talk to the lady who took my call. After concluding my business matter ( putting my husband 's account on hold until the information I provided could be verified and closing my account ), I again asked about discussing customer service with the lady I spoke to earlier. The supervisor again said that she would talk with her. I asked if the supervisor could provide a follow-up about the matter. The supervisor then told me that she would replay the call and talk to her. I asked third time for a follow up on customer service training and she told me that she doesn't call customer 's spouses back. After I reminded her that I was a customer also, by her own admission, she said doesn't call anyone back about reprimands.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY 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 non-monetary relief
Consumer complaint received 2019-09-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I paid to Macy 's {$21.00} back on XX/XX/2019, this payment would had bring the balance on account # XXXX to {$0.00}. But they applied the paymeny to a different account #, which is XXXX. The payment was made electronically, trough XXXX XXXX XXXX, from my checking account ending on XXXX, credit trace # XXXX.

Payee name : MACYS Payee address : 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 2019-09-09 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:
I did not recognize any if these accounts because on that period of time I did not visit hospital. Somebody used my personal information. Please remove incorrect information from credit report as soon as possible because it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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:
I did not recognize any if these accounts because on that period of time I did not visit hospital. Somebody used my personal information. Please remove incorrect information from credit report as soon as possible because it does not belong to 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 non-monetary relief
Consumer complaint received 2019-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: MN

Complaint narrative:
On XX/XX/XXXX, there were charges on my card that were made in another city that i do not live in. I reported the problem to the company ( netspend ), and within 24 ( actually less ), they closed my account, which is what i wanted and i ordered a new card. Instead, they closed my account and made my access to my online account inactive. They also made it to where i can no longer be a netspend customer or account holder. I still have money in this financial institution with no access to it. This is very funny to me and my senses are red flagging all over.

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 2019-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
This organization has purchased the debt at issue from Capital One.

I have never done any business with Capital One or XXXX XXXX XXXX ( hereinafter XXXX ).

I have informed XXXX via reply to one of their notifications regarding this debt. I have informed both Capital One and XXXX that I never open an account or contract electronically or via the internet. I do NOT sign any contract unless it is with a notary present and I can sign my wet-ink signature on the contract to signify my agreement.

XXXX claims I opened an account online with Capital One. This is untrue ; and if they maintain this claim, I am demanding to see the initial contract I signed to do so. If there is no such contract, there is no such debt in my name ( XXXX XXXX ), and XXXX  will not receive one penny towards this false debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion put a credit alert on my account preventing me from getting more credit I need as I had XXXX XXXX. They are refusing to remove the credit alert and now my cards are useless to me but I never lost my card. I had it through my entire XXXX  XXXX and no other person used it through the past six months. 
I am suffering with XXXX to XXXX myself so that I can seek employment but I do not have time to sue thm. Could you have them lift my credit alert?

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 2019-09-09 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: LA

Complaint narrative:
I've been having problems with this company for nearly a year. Issues I am having. 

They keep adjusting balance on a closed account ( see attachments ) -- spoke with them about this, they said that the account is still accruing interest. From my understanding, the account is closed and interest should not still accumulating on a closed account. 

Listed on my credit report incorrect -- I voluntarily surrendered this vehicle, they have it listed as involuntary surrender/repossession. I know these two account statuses will impact my credit about the same but according to the fair credit reporting act, any and all information that they distribute must be an accurate summary of my credit history. In addition to that, there is a discrepancy on the balances and dates. One credit report is saying I owe one amount and the other is saying I owe another amount. One is saying my last payment was on XX/XX/XXXX and another is saying the last payment was on XX/XX/XXXX. One is showing the payment status is 30 days late 3x, and another showing 30 days late 2x. 

Requested the repossession paper work and they have been giving my the run around. 
-- In these situation, they typically sell the vehicle at auction and subtract the proceeds from the balance and the consumer owes the difference. They told me that they filed a claim with their insurance company and they bought the car for about {$20000.00} ; however ; they will not send me the paper work. They told me that no one was home when the paper work was delivered. If they sent it certified mail, I should have had some sort of notice instructing me to pick it up from post office. If it was not sent certified, it could have been left in the mailbox. 

I've spoken with different staff member and I get different answers -- Each staff members response/explanation contradicts the previous one. 

I seriously believe that my consumer rights have been violated. Please help.

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 2019-09-09 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I've been having problems with this company for nearly a year. Issues I am having. 

They keep adjusting balance on a closed account ( see attachments ) -- spoke with them about this, they said that the account is still accruing interest. From my understanding, the account is closed and interest should not still accumulating on a closed account. 

Listed on my credit report incorrect -- I voluntarily surrendered this vehicle, they have it listed as involuntary surrender/repossession. I know these two account statuses will impact my credit about the same but according to the fair credit reporting act, any and all information that they distribute must be an accurate summary of my credit history. In addition to that, there is a discrepancy on the balances and dates. One credit report is saying I owe one amount and the other is saying I owe another amount. One is saying my last payment was on XX/XX/XXXX and another is saying the last payment was on XX/XX/XXXX. One is showing the payment status is 30 days late 3x, and another showing 30 days late 2x. 

Requested the repossession paper work and they have been giving my the run around. 
-- In these situation, they typically sell the vehicle at auction and subtract the proceeds from the balance and the consumer owes the difference. They told me that they filed a claim with their insurance company and they bought the car for about {$20000.00} ; however ; they will not send me the paper work. They told me that no one was home when the paper work was delivered. If they sent it certified mail, I should have had some sort of notice instructing me to pick it up from post office. If it was not sent certified, it could have been left in the mailbox. 

I've spoken with different staff member and I get different answers -- Each staff members response/explanation contradicts the previous one. 

I seriously believe that my consumer rights have been violated. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I've been having problems with this company for nearly a year. Issues I am having. 

They keep adjusting balance on a closed account ( see attachments ) -- spoke with them about this, they said that the account is still accruing interest. From my understanding, the account is closed and interest should not still accumulating on a closed account.

Listed on my credit report incorrect -- I voluntarily surrendered this vehicle, they have it listed as involuntary surrender/repossession. I know these two account statuses will impact my credit about the same but according to the fair credit reporting act, any and all information that they distribute must be an accurate summary of my credit history. In addition to that, there is a discrepancy on the balances and dates. One credit report is saying I owe one amount and the other is saying I owe another amount. One is saying my last payment was on XX/XX/XXXX and another is saying the last payment was on XX/XX/XXXX. One is showing the payment status is 30 days late 3x, and another showing 30 days late 2x. 

Requested the repossession paper work and they have been giving my the run around. 
-- In these situation, they typically sell the vehicle at auction and subtract the proceeds from the balance and the consumer owes the difference. They told me that they filed a claim with their insurance company and they bought the car for about {$20000.00} ; however ; they will not send me the paper work. They told me that no one was home when the paper work was delivered. If they sent it certified mail, I should have had some sort of notice instructing me to pick it up from post office. If it was not sent certified, it could have been left in the mailbox. 

I've spoken with different staff member and I get different answers -- Each staff members response/explanation contradicts the previous one. 

I seriously believe that my consumer rights have been violated. Please help.

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 2019-09-09 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: MA

Complaint narrative:
This collection has been paid in full and Equifax is reporting it like I owe this debt. I am writing to dispute U S DEPT OF ED/XXXX/XXXX XXXX on my credit report. The balance listed on the account is incorrect. Please delete the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: NJ

Complaint narrative:
In 2018 I contacted XXXX around XX/XX/XXXX to close my account and start a repayment plan. At that time they said I was not elligible and had to wait 30 more days. but for some reason they still locked me out of my account, disabled all my mail and email notifications. Because of this apparently there was. {$13.00} payment that was missed, but never received any calls or anything about it. It showed up on my credit report as a late payment in XX/XX/XXXX, once I saw that i paid it immediately. I contacted some of the credit bureaus, XXXX would not removed it, XXXX did remove it. And I don't know If Experian did anything. I even contacted XXXX about it and they could not help me. This was not my fault and was completely out of my control. I was not even able to login to my account at XXXX. This is ruining my credit score

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 2019-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AL

Complaint narrative:
Ive disputed this debt so many times until I dont know what else I need to do. Im not paying are settling the debt because I didnt create this debt. It very mind blown that people like me try to do the right thing and still be victims to violation like this. Ive asked this company for prof that this is my debt They so not respond back. So I really do hope that my voice and credit report is heard today. For the 100th times THIS IS NOT MY ACCOUNT. I DO NOT OWE XXXX  no money.

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 2019-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: AR

Complaint narrative:
I had no knowledge of a debt with NCS debt collector until it was on my credit report. I have disputed on several occasions that I had no knowledge because I wasnt notified by the original creditor XXXX XXXX XXXX or the collection agency. On XX/XX/2019, I learned that the original creditor has been under new ownership twice when I contacted them so any questions about a debt is the responsibility of the original owner. No information on the owner during my residency can be found or provided by the two buyers. NCS was contacted, I requested the information of whom they was collecting the debt. XXXX XXXX at ext XXXX   told me she handles XXXX XXXX accounts and that she can not provide her client information. That I can dispute it with her and she will let her client know. She refused several times to give me the information which is a violation FCDPA Section 809. I suspect that they maybe also in violation of Section 812 reason being that I have never received notice of debt and the fact that they refused to provide the information requested.

Company response to consumer: Closed with explanation