vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-10 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: EQUIFAX, INC.
State: MA

Complaint narrative:
CFPB in my most recent dispute on XXXX to Equifax they responded that they needed additional information to identify me. CFPB this is my four dispute on this inaccurate late notice to Equifax they have know my identity. This is the fourth violation by Equifax after they requested proof of my payment and I have provided factual proof and documentations showing that my XX/XX/XXXX payment was received and made on time for XXXX XXXX four times now. 


CFPB under your supervision please have Equifax uphold the law again this is the fourth violation on this dispute. As I explained in my last dispute Equifax shouldnt be able to violate the law by continuously telling my that my letter look like a credit repair company or that I need to verify my identity. They have responded to my dispute before and a just continue to violate the law by not removing this inaccurate late notice. This is not right or fair they Equifax continue to violate my rights under the fair credit reporting act. CFPB please hold Equifax account for the four violation of my dispute. 

CFPB I have provided again supporting documentation of confirmation email I received from XXXX XXXX Card clearly showing that my payment was received and made on time for the month of XX/XX/XXXX. I have also provided a copy of my Massachusetts state drivers license alone with a copy of my XXXX XXXX form as requested by Equifax for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: NC

Complaint narrative:
After 3 weeks of attempting to get a Payoff Statement, I paid my XX/XX/XXXX mortgage payment via electronic payment of {$17000.00} to Dovenmuehle Mortgage on XX/XX/XXXX with a memo {$40.00} interest {$17000.00} principal. I had thought they would send me any balance owed on my next/final statement. 

When I checked to see my mortgage balance on the following day Dovenmuehle Mortgage rejected the payment for not following proper payoff procedures. 

On Thursday XX/XX/XXXX ( XXXX EDT ), I contacted customer service and was told my payment would be returned electronically on Friday XX/XX/XXXX ( XXXX EDT ). I didnt receive it and called customer service who researched it and said there is a delay because of the clearinghouse so my payment would be in my bank on Monday XX/XX/XXXX. 

Funds were still not received on Monday XX/XX/XXXX ( XXXX EDT ), I contacted them again and was told my payment would be returned by end of business day Tuesday XX/XX/XXXX. 

I still have not received the funds. Please help in having my {$17000.00} returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XXXX I, XXXX XXXX XXXX , contacted Wells Fargo Auto in writing through Certified Mail with out a return receipt, however I have not received the return receipt even though I have proof they received it on XX/XX/21 at XXXX. I sent my Cease and Desist Letter, Affidavit of Truth, Invoice and exhibits that are attached. I am contacting the CFPB due to them being in violation of 15 USC 1692c and 1681a ( b ). They reported my credit transactions, private information violating my privacy and have scored me making it detrimental to my life and caused defamation of character. I am seeking remedy under 15 USC 1692k. Also after them receiving my Cease and Desist letter, I was called contacted on XX/XX/21 at XXXX which is a violation of the FDCPA and the TCPA and 15 USC 1692c, and pursuant to 15 USC 1605 they are also in violation. I'm requesting an additional XXXX IN A CHECK for these violations that occurred afterwards. I have attached documents as proof. I Would Like your help in getting these matter addressed quickly. Please and Thank You.

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 2021-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
At XXXX XXXX received a bill from Barclay Master Card with an annual fees in amount of $ XXXX paid same day from my XXXX checking Account .XXXX  Payment was received by Barkley at XX/XX/XXXX.At XXXX Barclays file it as unpaid with the Credit Bureaus.My credit score drop from over 830 to under 690, over 100 points. 
The XXXX XXXX XX/XX/XXXX statement with the full information an a payment made by me and received by Barclay Master Card, All bank payment ID numbers on a XXXX XXXX blank was sent 3 times to the Barclay Master Card Office. Starting Claim at XX/XX/2020 was # XX/XX/XXXX.Month later another claim was started also, # XX/XX/XXXX..No results on any of them.Proof of payment supplied multiple times-no result. By the Barclay request I visit the XXXX twice, Get a Bank statements and letters with the full Info proving the payment was made and received by Barclay.It was emailed also.No Results again.3 Month pass by- issue is not resolved. 
Today XXXX XXXX I received an Email from the Barclays-the Card want to me paid with the late fees in amount of {$29.00}. 
Whole this issue is looks like an a blackmail attempt. 
Each time when I am trying to contact Barclay Master Card office its take at list half an hour to get to the operator ... ..and still, issue is not resolved.

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 2021-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently received a copy of my credit report and I notice there are unauthorized credit inquiries made by XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Department & Variety Stores XXXX On The B Inquiry from XX/XX/XXXX + Automotive XXXX Inquiry from XX/XX/XXXX XXXX Utilities & Fuel XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX  XXXX  XXXX Inquiry from XX/XX/XXXX + Personal Services ( Non-Medical ) XXXX Inquiry from XX/XX/XXXX + Utilities & Fuel I do not recall authorizing this credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation the inquiries ito determine who requested this credit inquiry. 
If you find I was not the one who authorized this inquiry, I ask that it be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.

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 2021-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
This company called and disclosed information to my sister in law, who has my wife 's old phone line ( my sister was able to disclose some information about me ). Upon informing this company of this mistake and requesting that they no longer contact my sister in law, they agreed. However, they have contacted her again, several times.

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 2021-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Bureaus, Inc.
State: ND

Complaint narrative:
Bureaus Investment Group Portfolio, NO. 15, LLC XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX https : //www.thebueaus.cpm/ Trying to collect {$650.00} that is not valid. Provided information on XX/XX/2020 via email that the XXXX XXXX  was returned and a refund was issued but never applied to clear balance. XXXX XXXX  XXXX made a report to credit bureaus which has had a negative effect on my credit. This was from a XXXX account which was issued by and owned by XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
I made two purchases through XXXX with my Apple Card on XX/XX/21 and XX/XX/21 for {$49.00} each to XXXX. The program I was using through XXXX has a serious programming flaw virtually wiping my purchases without use. I submitted a complaint with XXXX and was told their was nothing they could do. I will submit two statements from XXXX admitting there are issues they are trying to resolve. However, they have done nothing to make me whole for my losses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: S&S Physician Services, Inc.
State: TX

Complaint narrative:
Debt has been removed by hospital but my credit hasnt been updated. Debt is still showing on credit even though Hospital has updated everything and I am at a XXXX balance. Medical debt collector still harass me even though everything is settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: National Credit Adjusters, LLC
State: OR

Complaint narrative:
There is a mark on my credit report showing I'm in default for a loan from a XXXX, Oregon XXXX XXXX in XX/XX/2019, this is impossible I was not even in the state of Oregon. I have disputed a similar inquiry from them last year and was able to prove it was fraudulent, this remark was removed. Now it is back again. I believe my identification is fraudulently being used by someone else. 
My wallet and ID were stolen almost 5 years ago and never recovered. 
I have never been to a speedy cash ever. Please help, I don't know how to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I sent 2 letters to TransUnion & XXXX  asking for proof of debt from XXXX XXXX XXXX XXXX. I keep getting the same candid response that the debt was placed following FCRA guides. I requested the original documents to verify that this is my debt. Also, the 45 days that the credit bureau had to respond exceeded the time.

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 2021-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo 281 SW 715, 719 ) I presume that no proof alleged debt, therefore any such debt in fact exist. 

As THE ORIGINAL CREDITOR and XXXX XXXX XXXX I reviewed my credit file aand there a four inaccurate and unverfied accounts being reported to my account negatively by the credit bureau XXXX. 

This is a violation per the FTC 15 USC 1692 g invalidated debt.. and 15 USC 1692 f ( 1 ) furnishing my Consumer Information without my consent. 
LVNV, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX are all third-party debt collectors whom 15 usc 1692f ( 1 ) have no right to collect nor furnish my federally protected consumer information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I attempted to pay someone {$900.00} with my paypal account, but I had the wrong bank account linked to paypal. The funds in the account were not sufficient. 

Instead of declining the transfer, paypal paid the recipient, I was charged an overdraft fee and then paypal created a debt of {$900.00} on my account. 

My account was moved into the collections process. They attempted a debit again and I was charged another overdraft fee. I contacted paypal because it was not clear they actually paid my recipient. After confirming that was the case, I moved money into my linked account and started the transaction to pay paypal. 

While this transaction was pending, paypal continued to debit my account for {$900.00} ( in addition to my pending transaction ). This new sum was not in my account as the {$900.00} I initiated a transfer for was already removed but has not yet settled at paypal. Because of this, I have continued to accrue overdraft fees. Why would paypal run automated debits on an account that has a pending transaction? 

Also, I followed the instructions on both the paypal site and the instructions provided by customer service. They told me to add funds via the paypal UI. If this was the case, they should have suspended the automated debit process because I am being double debited while my transaction is pending. 

I would like to be refunded my overdraft fees because of these aggressive collection practices. They should not be debiting account that have pending transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
See CFPB complaint XXXXPrint.

My complaint was " I have opted out of pre-approved offers, and you sent me a pre-approved offer anyway. '' Their response was " you can opt out of pre-approved offers by contacting the credit bureaus. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: CURO Intermediate Holdings
State: OR

Complaint narrative:
There is a mark on my credit report showing I'm in default for a loan from a XXXX, Oregon speedy cash in XX/XX/2019, this is impossible I was not even in the state of Oregon. I have disputed a similar inquiry from them last year and was able to prove it was fraudulent, this remark was removed. Now it is back again. I believe my identification is fraudulently being used by someone else. 
My wallet and ID were stolen almost 5 years ago and never recovered. 
I have never been to a speedy cash ever. Please help, I don't know how to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
XX/XX/2021 received a phone call at XXXX EST. Persons identified as citi bank/best buy. I replied whats the call regarding? Persons replied citi bank/best buy. She asked to speak to the debtor. Again me asking what's the call regarding NEVER identifying myself she gave out sensitive information that only should have been given out if debtor gave out their name. I asked immediately to speak to a supervisor where nothing was resolved and they were going to look into the audio file.

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 2021-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I submitted a complaint about this collection company on XX/XX/XXXX. The company responded through the CFPB relating to complaint XXXX. Since that time, they responded to the complaint and said they would tell the credit reporting agencies that the outstanding " debt '' was under dispute, but on XX/XX/XXXX, I received via mail notice of of a lawsuit filed in my County by Portfolio Recovery Associates. I received correspondence from what what appeared to be two Law Firms that offered to represent me in the lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I sent 2 letters to XXXX  & Experian asking for proof of debt from XXXX XXXX XXXX XXXX for {$2000.00}, the date opened XX/XX/2019. This is not my debt. I keep getting the same candid response that the debt was placed following FCRA guides. I requested the original documents to verify that this is my debt. Also, the 45 days that the credit bureau had to respond exceeded the time.

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 2021-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Payment Option : Direct Deposit Bank or Credit Union Name : CAPITAL ONE N.A. 
Routing Number Ending In:XXXX Account Number Ending In:XXXX Account Type : Checking The texas department of workforce commission has not deposited the direct deposit into my XXXX checking account as instructed, capital one is indiciating that the federal reserve has not released the payment into the account, please help me they are stating, XXXX is stating that they will reach out to upper management to make a excpetion or ask about a exception, please help that is a XXXX dollar bonus right now with covid that really helps

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: ND

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX Trying to collect {$650.00} that is not valid. Provided information on XX/XX/2020 via email that the XXXX XXXX was returned and a refund was issued but never applied to clear balance. XXXX or XXXX made a report to credit bureaus which has had a negative effect on my credit. This was from a XXXX account which was issued by and owned by Comenity Capital Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: NV

Complaint narrative:
On XXXX I, XXXX XXXX XXXX XXXX contacted XXXX XXXX XXXX in writing through Certified Mail with out a return receipt, however I have not received the return receipt even though I have proof they received it on XX/XX/21 at XXXX. I sent my Cease and Desist Letter, Affidavit of Truth, Invoice and exhibits that are attached. I am contacting the CFPB due to them being in violation of 15 USC 1692c and 1681a ( b ). They reported my credit transactions, private information violating my privacy and have scored me making it detrimental to my life and caused defamation of character. I am seeking remedy under 15 USC 1692k. Also after them receiving my Cease and Desist letter, I was called contacted on 02/08/21 at 8:47am which is a violation of the FDCPA and the TCPA and 15 USC 1692c, and pursuant to 15 USC 1605 they are also in violation. I'm requesting an additional 1,500.00 IN A CHECK for these violations that occurred afterwards. I have attached documents as proof. I Would Like your help in getting these matter addressed quickly. Please and Thank You.

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 2021-02-10 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: NV

Complaint narrative:
On XXXX I, XXXX XXXX XXXX XXXX contacted XXXX XXXX XXXX in writing through Certified Mail with out a return receipt, however I have not received the return receipt even though I have proof they received it on XX/XX/21 at XXXX. I sent my Cease and Desist Letter, Affidavit of Truth, Invoice and exhibits that are attached. I am contacting the CFPB due to them being in violation of 15 USC 1692c and 1681a ( b ). They reported my credit transactions, private information violating my privacy and have scored me making it detrimental to my life and caused defamation of character. I am seeking remedy under 15 USC 1692k. Also after them receiving my Cease and Desist letter, I was called contacted on XX/XX/21 at XXXX which is a violation of the FDCPA and the TCPA and 15 USC 1692c, and pursuant to 15 USC 1605 they are also in violation. I'm requesting an additional XXXX IN A CHECK for these violations that occurred afterwards. I have attached documents as proof. I Would Like your help in getting these matter addressed quickly. Please and Thank You.

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