vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Second Round Limited Partnership, Austin, TX Branch
State: GA

Complaint narrative:
I have asked Second Round LP to validate this debt multiple times. This auto loan was already paid to another company. They have ignored multiple request from me. My last letter was sent to them on XX/XX/XXXX. It is still showing as a collection on my credit report. Please assist me with having this in-validated account remove from my credit report so I can continue to proceed with my life. 

SECOND ROUND LP Account # XXXX Account Type Other Collection Agencies Balance {$3100.00} Past Due {$3100.00} Date Opened XX/XX/XXXX Account Status Mo. Payment {$0.00} Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department High Balance {$0.00} Limit {$0.00} Terms 1 Month

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 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: KS

Complaint narrative:
I opened a charge account with XXXX XXXX XXXX ( credit file ending in XXXX ) in the early months of XX/XX/XXXX. On XX/XX/XXXX to XX/XX/XXXX,  I generated a balance of {$370.00} and made a payment of {$120.00} on XX/XX/XXXX ending with a balance of {$250.00}. Then on XX/XX/XXXX, I paid {$100.00} on the {$250.00} balance leaving me with a balance of {$150.00}. Then on XX/XX/XXXX, two later, I paid the {$150.00} that was showing my remaining, {$150.00} to establish a XXXX balance and account paid off like all my other creditors as always on time and never late and always make payments greater than the minimum due. Then XXXX added {$4.00} to my account in error and I did not know that they had done this. So then Experian and the other credit agencies posted a late payment to my credit file resulting in me going from excellent credit to fair credit and my credit score went from XXXX to XXXX. I communicated with XXXX and they agreed to send a letter to the credit reporting agencies to omit the late payment and to state my account as closed/XXXX balance and current. they even issued me another charge account ( # XXXX ) which I have not used yet. I have waited 30 days for Experian to update my credit file and they have dragged their feet and refused to change my credit file. I did receive notification from XXXX XXXX that my file was updated but Experian is not co operating and when I tried talking to their Dispute department, a female representative was very rude to me and unprofessional and hung up me. This why I am filing this complaint with you and seek any assistance that I can get in this manner. Thank you very much.

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 2018-04-10 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: TX

Complaint narrative:
XXXX XXXX XXXX is posting duplicate on my report it should be only be listed once.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
After looking over my credit report i have found a few items that are being reported inaccurately by Experian and request that they comply as i look to have an accurate updated credit report reporting only accurate information.

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 2018-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I mailed in a certified debt validation letter to the credit bureaus in reference to the collection company called XXXX XXXX on XX/XX/2018. By law a collection agency must mail in proof that legally shows a consumer is responsibly for the debt. Mailing a bill is not proof that I am responsibly for the debt. XXXX XXXX failed to provide accurate information within 30 days from the date of the dispute letter, and is direct violation of my FDCPA, and my FCRA rights, and has to by law delete this information from my credit 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 2018-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
This concerns Paypal. I am a regular consumer ( not a merchant. ) My problems started when I had a dispute with a vendor and blocked a Paypal payment of about {$150.00}. I blocked it with my credit card company ( XXXX ), but I believe the original purchase was made with Paypal ( who then charged it to XXXX. ) Now Paypal shows my entire account blocked because of the dispute. But i can not clear the dispute from Paypal. 

Shortly after this dispute arose I had {$3700.00} deposited into my Paypal account. Now Paypal won't let me transfer those funds to my bank account. Paypal has held my money for 9 days now. 

The Paypal web site claims to allow me straighten things out, but the resolution function either doesn't work ( the wheel spins and spins ), or it confusingly demands that I upload documents without telling me what documents. 

I called Paypal but got into a lengthy phone tree. 

I feel that Paypal is abusing its control of my funds. It is using the minor issue of a previous dispute to forcibly deny me access to my funds, By the way, some of my friends have similar complaints. I think Paypal is making the transition to being just another abusive Internet company. 

I hope that CFPB will keep closer scrutiny on Paypal. 

And please let me get access to my funds. Once I have extricated myself from Paypal, I will very, very cautious about ever using their service again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Continuance of prior complaint XXXX I went through 3 different collections agencies harassing me for this debt, each time disputing the validity and all they did was sell it to someone else. The last company finally sent it back to PNC and removed it from my credit report. I thought PNC had realized its error when the reference was removed from my credit report. I have never had a loan with PNC Bank and received no notification of any loan being sold to them, and all of my student loans remain with my original lender. PNC Bank ( XXXX XXXX ) sent me a letter on XX/XX/XXXX saying she was investigating and would revert via mail. That is the sole contact I had from PNC, even after filing a complaint here, with the PA XXXX XXXX XXXX and PA Attorney General. Then a week ago I received a letter from XXXX XXXX XXXX obo PNC Bank saying the loan at issue here had been cancelled and implicates my taxes. Today, I received a letter from the IRS. I am very upset and angry with PNC and that this is still going on, 2 years later from my complaints, which were already at my wits end from bullying and lack of any substantiation whatsoever from PNC that this debt is actually mine ( because it is NOT ). That started XX/XX/XXXX. It is impossible to respond to, at this point, the demonstrable bad faith and utter malfeasance of this enormous bank. I require your help, yet again from this horrible and unethical company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
i'm the tenant living at XXXX XXXX XXXX XXXX, NY XXXX XXXX . XXXX. There was a certified letter from Rushmore Loan Mortgage company in the mail box, of which I left on the counter. The reason I'm contacting the CFPB is because I sent a letter to the SEC with a bunch of documents, because XXXX XXXX the condominium owner was XXXX and after one year the property is still in his name. and from XX/XX/XXXX to XX/XX/XXXX the property went through foreclosure. Some how the condominium board was able to collect the rental income from XX/XX/XXXX to XX/XX/XXXX from NYCHA while I paid my portion to XXXX XXXX. I was never served the required documents under RPAPL 1304 thru 1307. NYCHA can't produce documents showing XXXX XXXX XXXX compliance with RPL 339 : aa, z, kk. DHCR refuses to supply XXXX XXXX XXXX response to my complaint. So, my question to CFPB is Rushmore Loan Mortgage company so corrupt that they would open a mortgage loan in a dead man name? If the loan was taken out prior to XX/XX/XXXX ( the date of XXXX XXXX XXXX ) how did they receive the mortgage payments, because no estate file is filed with the XXXX Supreme Court. I haven't had a landlord in over a year and I'm curious why Rushmore Loan Mortgage Comapny would be sending certified mail to a decease person. I believe the SEC didn't investigate because the XXXX XXXX XXXX XXXX and the State of New York Retirement Fund was invested into the property,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AR

Complaint narrative:
My husband used my name to send money to my cousin through Money Gram, but money gram block it. this the control numbers XXXX and it is XXXX dollar. Either the transaction go through or refund the money back to our back account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: GA

Complaint narrative:
I have asked Hunter Warfield to validate this debt multiple times. They have ignored multiple request from me. My last letter was sent to them on XX/XX/XXXX. It is still showing as a collection on my credit report. Please assist me with having this in-validated account remove from my credit report so I can continue to proceed with my life. 

Account Name HUNTER WARFIELD Account # XXXX Account Type Other Collection Agencies Balance {$1000.00} Past Due {$1000.00} Date Opened XX/XX/2016 Account Status Mo. Payment {$0.00} Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department High Balance {$0.00} Limit {$0.00} Terms 1 Month Comments XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Company ( s ) : Best Buy Credit Card through Citibank.

I opened up a credit line with Best Buy/Citibank 2 years ago in XX/XX/XXXX. I purchased a tv with this credit line and was told I would not pay any interest for 2 years, however, I was not informed that interest would come back after the 2 years. I had explicitly asked the employee who assisted me with the opening of this credit line if any changes would occur after the 2 years end, and I was assured this would turn into a regular credit card with interest. I was lead to believe this credit card would be like a normal credit card with interest, but not that the interest from the initial purchase would accumulate over time and that if i did not pay the full amount within the 2 years that interest would come back. I would have not opened this credit line if this were the case.

Last month, XX/XX/XXXX, I had a balance of {$500.00}. Now this month, XX/XX/XXXX, I receive a statement with a balance of {$1200.00}. There was an interest charge of {$710.00}. This is insane. I was under the impression that the interest charge after the 2 years would be for the remaining balance, which is {$500.00}. I was okay with this, not the ridiculous accumulated interest charge fee of {$710.00}.

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 2018-04-10 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX SSN : XXXX Experian XXXX. XXXX   XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act, 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 the 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. 
I demand the following accounts be verified or removed immediately Name of Account XXXX XXXX XXXX Provide Physical Verification Creditor 1 XXXX C/O XXXX XXXX XXXX UNKOWN XXXX XXXX XXXX XXXX, SC 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 2018-04-10 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: CA

Complaint narrative:
Equifax has been given a copy of the FTC required documents to properly block the fraudulent accounts reporting on my equifax credit file. For 6 months now they have verified the information with the creditors and refuse to block information that has been reported to police and FTC. I have complied to the fullest and they insist on continuing to damage my reputation by not complying with FTC law.

They are very eager to get me off the phone each time I call.

One lady called me a a Liar just like all other men.

What the heck have I dont wrong to these people to deserve this treatment?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-10 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX LAKESIDE PL XXXX CA XXXX SSN : XXXX XXXX XXXX. Box XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act, 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 the 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. 
I demand the following accounts be verified or removed immediately Name of Account XXXX XXXX XXXX Provide Physical Verification Creditor 1 XXXX C/O XXXX XXXX XXXX UNKOWN XXXX XXXX  XXXX XXXX, SC 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 2018-04-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX SSN : XXXX XXXX XXXX. XXXX   XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act, 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 the 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. 
I demand the following accounts be verified or removed immediately Name of Account XXXX XXXX XXXX Provide Physical Verification Creditor XXXX XXXX C/O XXXX XXXX XXXX UNKOWN XXXX XXXX XXXX XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX SSN : XXXX BRIDGECREST XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX According to the Fair Credit Reporting Act, 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 the 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. 
I demand the following accounts be verified or removed immediately Name of Account Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX BRIDGECREST XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( 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 2018-04-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This account was opened bye someone without my knowledge. Fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-10 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This account was opened bye someone without my knowledge. Fraud

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