vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
After receiving numerous calls from Portfolio Recovery regarding account invalid debt, I am hereby providing you notice to cease any further communications regarding this account immediately. The Fair Debt Collection Practices Act specifies that debt collectors are to terminate and cease communication upon receipt of written notice. You call me all day and even during the night to harass me. You call me from several numbers to the point it interferes with my mental health. You leave me threatening voicemails and you make things up. You dont even say your name or introduce yourself. Its to the point where I can not answer regular calls because they block them incoming by calling me from over 30+ numbers. 

This company has inappropriately and repeatedly contacted me : Regarding an unverified debt Regarding a debt that I do not owe Is harassing me by calling me at work and contacting known family members and associates

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I submitted a dispute for the XXXX  XXXX and XXXX XXXXXXXX on my consumer report. Equifax verified it as accurate with XXXX XXXX. I have proof that XXXX XXXX could not verify the data as accurate and deleted the misleading/inaccurate information from my consumer report. According to the Fcra 15 usc 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

15 usc 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Equifax has blatanly disregarded the federal law by not removing this unverifiable information and according to 15 usc 1681n ( a ) ( 1 ) ( a ) ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 
I am owed for my damages in the amount of {$2000.00} for not removing the inaccurate XXXX XXXX and XXXX from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Amount {$89000.00} at Great Lakes loan. I submitted a negotiable instrument with full and correct language for the full amount due. Instead of crediting my account, they sent me a letter stating that I had 30 days to explain to them why they should credit my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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:
Disputing late payments reported for XXXX XXXX account on 3 credit reports. All 3 credit reports should reflect On Time payments from XX/XX/XXXX until XXXX. 

XXXX XXXX reported late payments on XXXX XXXX XXXX XXXX account on all 3 credit reports as a retaliation measure because I filed a CFPB complaint against the firm prior to car payoff. 
See attached CFPB Complaint Response from XXXX XXXX. 
Attached Cashier Check for car payoff was cashed by XXXX XXXX. As written on Cashier Check for car payoff Credit Acceptance was ONLY to cash the check if ALL payment history from XX/XX/XXXX until XXXX reflected on time payments. 
XXXX XXXX cashed this check therefore ALL payment history from XX/XX/XXXX until XXXX should show ON TIME payments ( not late payments ). 
Payment history should show on time payments or an X for unknown payment history. 
Account was on auto pay from XX/XX/XXXX until XXXX. 
Account was protected by applicable NYS Covid laws in XXXX and XXXX. 
XXXX XXXX was contacted in writing and via telephone to correct the payment history to show ON TIME PAYMENTS but the firm refuses to make this correction.

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 2021-12-31 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: NY

Complaint narrative:
I submitted a dispute for the XXXX XXXX and XXXX  XXXX on my consumer report. Experian verified it as accurate with XXXX XXXX. I have proof that XXXX XXXX could not verify the data as accurate and deleted the misleading/inaccurate information from my consumer report. According to the Fcra 15 usc 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

15 usc 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
XXXX has blatanly disregarded the federal law by not removing this unverifiable information and according to 15 usc 1681n ( a ) ( 1 ) ( a ) ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.

I am owed for my damages in the amount of {$2000.00} for not removing the inaccurate XXXX  XXXX and XXXX from my consumer report.

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 2021-12-31 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
On XX/XX/2021 I submitted a negotiable instrument to XXXX XXXX for the full amount due with proper instructions. The negotiable instrument was deposited and my account was credited with the wrong amount.

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 2021-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2021, I submitted a negotiable instrument to Capital One for payment in full. They credited my account for a different amount than what was instructed on the negotiable instrument. The instrument was deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: RFNA, LP
State: AL

Complaint narrative:
On XX/XX/2021, a representative from Republic Finance located on XXXX XXXX XXXX in XXXX, AL called me a total of 5 times via my cell phone with in minutes of each other. During two of those calls they left me two messages one at XXXX XXXX and the other at XXXX XXXX. On the 5th call I answered because I was at work and at that point I felt that I was being harassed for an account that was only a week late. I get that my account is late but to call me a total of 5 times is excessive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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: NY

Complaint narrative:
Disputing late payments reported for XXXX XXXX account on 3 credit reports. All 3 credit reports should reflect On Time payments from XX/XX/XXXX until XXXX. 

XXXX XXXX reported late payments on XXXX XXXX XXXX XXXX account on all 3 credit reports as a retaliation measure because I filed a CFPB complaint against the firm prior to car payoff. 
See attached CFPB Complaint Response from XXXX XXXX. 
Attached Cashier Check for car payoff was cashed by XXXX XXXX. As written on Cashier Check for car payoff XXXX XXXX  was ONLY to cash the check if ALL payment history from XX/XX/XXXX until XXXX reflected on time payments. 
XXXX XXXX  cashed this check therefore ALL payment history from XX/XX/XXXX until XXXX should show ON TIME payments ( not late payments ). 
Payment history should show on time payments or an X for unknown payment history. 
Account was on auto pay from XX/XX/XXXX until XXXX. 
Account was protected by applicable XXXX Covid laws in XXXX and XXXX. 
XXXX XXXX was contacted in writing and via telephone to correct the payment history to show ON TIME PAYMENTS but the firm refuses to make this correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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: NY

Complaint narrative:
Disputing late payments reported for XXXX XXXX account on 3 credit reports. All 3 credit reports should reflect On Time payments from XX/XX/XXXX until XXXX. 

XXXX XXXX reported late payments on XXXX XXXX XXXX XXXX account on all 3 credit reports as a retaliation measure because I filed a CFPB complaint against the firm prior to car payoff. 
See attached CFPB Complaint Response from XXXX XXXX. 
Attached Cashier Check for car payoff was cashed by XXXX XXXX. As written on Cashier Check for car payoff Credit Acceptance was ONLY to cash the check if ALL payment history from XX/XX/XXXX until XXXX reflected on time payments. 
XXXX XXXX cashed this check therefore ALL payment history from XX/XX/XXXX until XXXX should show ON TIME payments ( not late payments ). 
Payment history should show on time payments or an X for unknown payment history. 
Account was on auto pay from XX/XX/XXXX until XXXX. 
Account was protected by applicable NYS Covid laws in XXXX and XXXX. 
XXXX XXXX was contacted in writing and via telephone to correct the payment history to show ON TIME PAYMENTS but the firm refuses to make this correction.

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 2021-12-31 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: Debtsy Holdings, Inc.
State: OH

Complaint narrative:
I made a payment to DEBTSY a debt collector working on the behalf of XXXX XXXX XXXX on XX/XX/2021 for the amount of XXXX to settle my balance, I've received notification from XXXX that they verified the information as being accurate on my credit report as that the amount was not updated and they refuse to acknowledge the settlement as if I paid and it went nowhere.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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: OH

Complaint narrative:
I made a payment to XXXX a debt collector working on the behalf of XXXX XXXX XXXX on XX/XX/2021 for the amount of XXXX to settle my balance, I've received notification from EXPERIAN that they verified the information as being accurate on my credit report as that the amount was not updated and they refuse to acknowledge the settlement as if I paid and it went nowhere.

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 2021-12-31 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
SELECT PORTFOLIO SERVICING ( SPS ) HAS VIOLATED THE FDCPA MANY TIMES NOW AND CONTINUE TO DO SO. PLEASE SEE ATTACHED COMPLAINT FILED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have a Received letter in the mail for a car loan becoming repo that I never owned. Im reporting identity theft. I only have one car on my credit report which is my XXXX XXXXXXXX XXXX I pay my monthly bill every month with that car. I dont own anything else. I would like this negative inquiry removed off my credit report.

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 2021-12-31 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: GA

Complaint narrative:
I tried to get my credit report with Equifax using annual XXXX XXXX and they denied me claiming they couldnt verify me when all information given was accurate. I did receive my reports from the other 2 bureaus! This is a violation of my rights Im under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I XXXX XXXX co signed a loan to XXXX XXXX in Texas Never late. 
Car was totaled and insurance company paid car loan off. 
They had the wrong name on check and insurance company sent another check. 
This was told to Kia and they understood. 
Year was 2015. 
I value my credit, and cant understand why this still showed up? 
Please help me. 
Thank you XXXX XXXX It shows on my credit report as insurance company paid in full.

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 2021-12-31 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I received a letter dated XX/XX/2021 that my credit card had been closed due to " inactivity and / or information on my credit report. '' The letter stated that my credit score as of XX/XX/2021 was XXXX. It further went on to state " Delinquent or derogatory status on accounts is too recent. '' The credit score they are reporting is not what shows up on my credit reports. This of course negatively impacts my credit score. I called the number for the company but got a recording stating that my account is closed and there was no further information. The letter stated I could contact them to review information I feel is inaccurate but obviously I was not able to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: MoneyLion Inc.
State: NC

Complaint narrative:
I tried to create and an account with Money Lion for their roar money account however they denied opening an account to me because they could not verify my identity. I have two last names which their system only allows if the names are hypenated, mine are not. I submitted documentation ( my ID and marriage license ) to provide verification but my account was denied. Due to the denial I asked if my information including my social security number, name, address and email address could be removed from their database to which I was told no. I was informed that they would retain my information but only deactivate the account. I simply want my information removed if I can not monitor its use and was told no.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I have had this account for several years with Chase. I opened it when I lived in the USA and I kept it open when I came back to XXXX, because it was free of charges. I've never paid any fee. 
A couple of months ago I received an email from Chase telling me that they decided, unilaterally, start charging me XXXX dollars per month for my account maintenance, which is an invitation to leave. I don't live in the USA, I don't have an income there, so it's impossible for me to reach any of the conditions required to avoid the fees. 
I assume that Chase is allowed to change the conditions to their clients, but they should give us an exit way free of charge. In this sense, I'm asking Chase to agree a solution of the problem in one of the following ways : ( 1 ) I close the account and they send me the funds to XXXX, paying all the costs associated with the transference. We finish our commercial relation and I keep my money unaltered. 
( 2 ) I maintain the account open, and they waive the charge of fees. 
They denied both and they are forcing me to either, pay the maintenance fee or paying the costs of transferring my money to XXXX to be able to close the account. 
I dont agree with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This account by XXXX XXXX XXXX is clearly staying that it has INACCURATE information reporting under my social security number. Its states invalid date on the report. I have asked numerous times for this account to be removed due to it not being accurate nor validated as the law requires. XXXX has finally removed it because they understand their fault, however Equifax and XXXX continues to deny my right of only accurate information reporting with MY consent! They continue to falsely CLAIM its validated! Not only does it clearly state that it is reporting an inaccurate date, it stated the account was transferred to another party with no name or address to that party ( another violation ). How can I properly dispute this information when no accurate information to contact these people are given! Again denying my consumer rights! Lastly, it states this is a closed account, yet it is reporting monthly activity further harming my credit and contributing to my mental anguish and financial detriment! 

Do not update my report, do not respond that Im an unauthorized party or you cant verify me. My id is attached and I have provided my ssn and email address! 

P.S. I also see that Equifax is disputing the wrong account. I never ask to dispute the other XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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: NY

Complaint narrative:
I received a letter dated XX/XX/2021 that my credit card had been closed due to " inactivity and / or information on my credit report. '' The letter stated that my credit score as of XX/XX/2021 was XXXX. It further went on to state " Delinquent or derogatory status on accounts is too recent. '' The credit score they are reporting is not what shows up on my credit reports. This of course negatively impacts my credit score. I called the number for the company but got a recording stating that my account is closed and there was no further information. The letter stated I could contact them to review information I feel is inaccurate but obviously I was not able to do that.

Company response to consumer: Closed with explanation