vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
On or about XX/XX/XXXX, a class action lawsuit settlement was announced by XXXX state attorneys general after a multistate investigation found Santander was engaging in subprime lending practices. Santander Consumer USA provided me with a car loan on or about { XX/XX/XXXX }. This car loan agreement contained unreasonable terms and was a product of unethical and dishonest business practices by Santander. 

Given these facts, I request that Santander : I. remove late-payment and repossession information from my credit report. 
II. forgive my repossession deficiency. 
III. notify debt buyer/collection Agency to cease debt collection activity against me ; and IV. notify debt buyer to return any monies collected from me. 

Other states have already ordered restitution from Santander to their affected constituents. I will give you 30 days from the date of this letter to provide the requested remedy or I will use all remedies available to me under the law to ensure that I am made whole. 

Thank you for your anticipated voluntary cooperation in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was checking my credit report and I have found some inquiries that I did not authorize. I believe that someone is using my information and these inquiries are fraudulent.

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 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was checking my credit report and I have found some inquiries that I did not authorize. I believe that someone is using my information and these inquiries are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
NATIONAL CREDIT ADJUST is claiming that I owe them {$600.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am a victim of a declared disaster. My finances suffered severely after losing my job due to COVID. I contacted my creditors to inform them of the hardship. Two of my creditors made payment arrangements. Which I kept. One of the creditors ( XXXX XXXX ) also put a comment on my account stating that I am a victim of a natural disaster. The other creditor ( XXXX ) accepted my payments, did not comment or flag my account, closed it,, and charged the account off. I disputed the inaccuracy with Transunion who conducted an " investigation '' that found that the XXXX account info is " accurate ''. There was a link to view my " current report '', which still shows inaccurate information on the XXXX account.

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 2021-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Paying off a non-rotating loan results in that account 's closure. Instead of maintaining that account in a credit report, all existing data is discarded. The end result for an individual is an economically damaging penalty in the form of an artificially lowered credit score. The credit agencies know this and their actions intentionally harm consumers and dissuade them from closing out loans when they are able to. This behavior should be a punishable crime. Credit reporting agencies act in ways that damage consumers ability to obtain credit and suffer no consequences.

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 2021-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: DE

Complaint narrative:
I Am XXXX XXXX Consumer, Natural person and original creditor received a called from southwest credit stating that I owe a debt.I never gave written consent for them to call and I have proof that I was called several times ( screen shot of call log and audio recording ). Pursue to 15 USC 1692d ( 5 ) this debt collector has called me several times which is harassment. they have called at very bad time the has put me in troublesome situation. Pursue to 15 USC 1692c ( a ) ( 1 ) at debt collector no not communicate at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. Also, this debt was already paid for via my credit card also known as my social security card, Pursue to 15 USC 1602 ( l ) a credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Southwest credit is trying to obtain money for something that was paid through my open- ended credit plan which is theft. They stated owe a debt which is a violation of my right 15 USC 1692b ( 2 ) no debt collector shall not state that such person owes any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I had a XXXX XXXX XXXX Account. I paid it off to XXXX XXXX XX/XX/2020 and got a letter on XX/XX/2020 stating that it was paid in full. I put in a dispute to make sure that it was taken off of my credit report and it was. Then XX/XX/XXXX, it went back on my credit report, and my credit score dropped nearly 50 points. I paid it in full and thanks to XXXX  alerts, I knew that something was wrong. 

I called both XXXX XXXX and Midland Credit. XXXX XXXX said that maybe it was not reported too Midland. I called again and then they said that they don't report to the credit bureaus etc. I also called Midland credit and they said that they needed information from XXXX XXXX. My sending a letter to them was not good enough. I called XXXX XXXX again and left a message with a manager. I got no call back. I called Midland Credit and they finally put me in with a guy who makes the reporting and he said that it would take 7 days. Then I get an alert that it was again reported by Midland Credit. and then I see that my second dispute was resolved and that it was verified as correct when it is not correct. I just did a 3rd dispute and submitted documentation to experian. Well, they did not verify it because I paid it in full to XXXX XXXX XXXX XXXX I contacted Midland Credit back in XXXX and also several times since XX/XX/XXXX. They keep putting the amount and my score has dropped nearly 50 points as a result of this insanity. Now the amount is a dollar higher than before. This is total insanity. No one wants to take responsibility for this and I paid off all of my debt in full without taking a deal. I paid it in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FISERV FINXACT CORE
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX, I have been an account holder with Money Network financial LLC/First Data for about 6 years. I've never had issue up until recently. My account was hacked and I have no doubt my card was cloned and pin number stolen as I was a victim of fraud/theft, the perpetrator ( s ) stole {$480.00} from my account on XX/XX/XXXX of this year, I alerted money network on the same day of the theft, my account was frozen and issued a new card immediately. I was told it would take about 45 days for their investigation but that I should receive a provisional refund to my account within 10 business days of the reported theft which never happened. The next day I filed a police report and received a case number a few days later and the investigation is ongoing from what I can tell as I have not been contacted yet by investigators despite my unsuccessful attempts at reaching them. Further, at the end of XXXX I was sent a vague letter by money network stating that my their investigation was complete and closed and that I would not be refunded. When I contacted them, they had no explanation to give me other than that I had a right to appeal their decision and that it would take 45 to 90 days for my appeal to have a final decision. I have vehemently denied that I had committed fraud on my end and reiterated to them in my appeal that there was still an active police investigation and supplied them once more with the case number and my whereabouts at the exact time the money was stolen. They have given me the run around multiple times when I ask for a detailed explanation of their initial findings and I have submitted in writing pursuant to their policy and still nothing. It's now 2 full months since the theft occurred and Im being placated with the same old bureaucracy about their investigation needing to be complete in the 45 to 90 days of my appeal and them claiming to have sent it out and if I haven't gotten it I should contact their appeals division ( to which one operator told me there was no way for me to contact them directly ). I've had enough, this company appears to be as shady as they come and they themselves should be investigated for the lies and fraud they are perpetrating!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Using my personal identifying information I am able to obtain my credit reports except at TransUnion. The information on their file is not matching what I enter. However, the same information verifies me on the other two bureaus. There is also a misspelling of my name associated with a XXXX XXXX account I have no knowledge of and never received any statements for. Had I received a credit card with the wrong spelling of my first name I would have called the credit card company to correct it. There is no way for me to put a fraud alert on TransUnion and obtain my report from them as I can not create an online account. I can with the other bureaus but TransUnion has information that is not matching my actual personal info.

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 2021-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: CA

Complaint narrative:
Let me start out by saying I give the CFPB written permission to act on my behalf concerning this complaint. I recently checked my Experian report and noticed that XXXX XXXX account # XXXX has been charged off twice. The first time the account was charged off was in 2017 and now it's being charged off again in XXXX of this year! This has to be a violation of the FCRA done with the purpose of damaging my credit by trying to pass off this old account as a new charged off account. Isn't this highly illegal and Experian should be punished for a blatant distortion and manipulation of my credit report. The last time I filed a complaint they came up with a weak excuse for not dealing with the complaint that got your agency to drop the complaint. This is why I'm making sure you have written permission to handle this problem along with any other agency you deem necessary to handle this issue. Please don't accept any watered down excuse given by this company. If you can't or won't help please direct me to an agency that can get to the bottom of this. I have requested the verification information and how it was obtained. That request has been ignored each and every time it was requested. That has to a violation of FCRA rules too! Someone has to hold these people accountable for the way they handle these accounts.

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 2021-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
I have an account in Coinbase which is a cryptocurrency exchange. They locked my account in early XX/XX/2021 and I am not able to withdraw money, buy, sell or convert crypto. 
I filled out tickets three times and sent to Coinbase support, but every time they said that your case has resolved ; and closed my case without any solutions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-11 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: Johnson Mark LLC
State: NY

Complaint narrative:
I had a XXXX XXXX XXXX Account. I paid it off to Johnson Marks XX/XX/2020 and got a letter on XX/XX/2020 stating that it was paid in full. I put in a dispute to make sure that it was taken off of my credit report and it was. Then XX/XX/XXXX, it went back on my credit report, and my credit score dropped nearly 50 points. I paid it in full and thanks to XXXX alerts, I knew that something was wrong. 

I called both Johnson Mark and XXXX XXXX. Johnson Mark said that maybe it was not reported too XXXX. I called again and then they said that they don't report to the credit bureaus etc. I also called XXXX credit and they said that they needed information from Johnson Mark. My sending a letter to them was not good enough. I called Johnson Mark again and left a message with a manager. I got no call back. I called XXXX XXXX and they finally put me in with a guy who makes the reporting and he said that it would take 7 days. Then I get an alert that it was again reported by XXXX XXXX. and then I see that my second dispute was resolved and that it was verified as correct when it is not correct. I just did a 3rd dispute and submitted documentation to XXXX. Well, they did not verify it because I paid it in full to Johnson Mark Law firm I contacted XXXX XXXX back in XXXX and also several times since XX/XX/XXXX. They keep putting the amount and my score has dropped nearly 50 points as a result of this insanity. Now the amount is a dollar higher than before. This is total insanity. No one wants to take responsibility for this and I paid off all of my debt in full without taking a deal. I paid it in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I had a Home Depot Citibank Account. I paid it off to XXXX XXXX XX/XX/2020 and got a letter on XX/XX/2020 stating that it was paid in full. I put in a dispute to make sure that it was taken off of my credit report and it was. Then XX/XX/XXXX, it went back on my credit report, and my credit score dropped nearly 50 points. I paid it in full and thanks to XXXX alerts, I knew that something was wrong. 

I called both XXXX XXXX and XXXX XXXX. XXXX XXXX said that maybe it was not reported too XXXX. I called again and then they said that they don't report to the credit bureaus etc. I also called XXXXXXXX XXXX  and they said that they needed information from XXXX XXXX. My sending a letter to them was not good enough. I called XXXX XXXX again and left a message with a manager. I got no call back. I called XXXX XXXX and they finally put me in with a guy who makes the reporting and he said that it would take 7 days. Then I get an alert that it was again reported by XXXX XXXX. and then I see that my second dispute was resolved and that it was verified as correct when it is not correct. I just did a 3rd dispute and submitted documentation to XXXX. Well, they did not verify it because I paid it in full to XXXX XXXX XXXXXXXX XXXX  I contacted XXXX XXXX back in XXXX and also several times since XX/XX/XXXX. They keep putting the amount and my score has dropped nearly 50 points as a result of this insanity. Now the amount is a dollar higher than before. This is total insanity. No one wants to take responsibility for this and I paid off all of my debt in full without taking a deal. I paid it 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 2021-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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:
I heard on XXXX that your company could help me. I feel that Equifax is taking advantage of me and refusing to manually review my letters. As of today, Equifax has continued to leave inaccurate information on my credit report. It has damaged my credit score and I cant get a job because of it. For this reason, I decided to write a letter on XX/XX/XXXX ( Certified Mail ) to fix the incorrect information ( attached ). 

On XX/XX/XXXX I wrote another letter ( Certified Mail ) addressing Equifax ( attached ) Confirmation #. The main purpose for this letter is to address the deleted item on Equifax ( attached ) Confirmation #, but failed to correct my information. I also noticed they did not remove the three below accounts ( attached and circled ) that were associated with the personal details that were disputed in the past. This does not make sense to me. 

I believe they are in violation of the FCRA and are refusing to abide by the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc.
State: FL

Complaint narrative:
My coworker stole my identity. She used Google pay to withdraw small amounts from my XXXX banking accounts for a long time now. Its unnoticed due to the fact that she was able to create her own receipts and purchase descriptions with the Google app. For example, I would have XXXX or XXXX charges multiple times in a month for small amounts, but if you look at the purchase information, theres Google information on the fraudulent purchase. Its basically an app that allowed her to withdraw monies from my accounts, undetected. It also gave her complete access to my life and I dont know how to fix this. Every time I lock my credit, shes able to open it right back up. Google pay has ruined my life, and no matter what I do, I cant repair anything that has been damaged because of the access that its given this person. This should be reported to the fbi for cyber crimes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
TRANSWORLD SYSTEM INC is claiming that I owe them {$250.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation