vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-21 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX, Equifax & XXXX  has violated my consumer protection laws under the United States code title 15 chapter 41. The first violation is they have this alleged debt being furnished on my credit report. That is a violation of 15 USC 1692b ( 2 ). Its violating because it being furnished would mean I owe it, but a debt collector cant say I owe anything. I am the original creditor because I am the one with the credit. There are several public laws regarding the inability of any bank or anyone other than a natural person ability to lend credit or have credit to lend. They did not give me the credit so they can not validate the debt. I am the only one who can validate the debt because the corporation is not a natural person according to congress. They are a entity. I do not validate this debt. 

Pursuant to 15 USC 1692d only the natural person can validate an alleged debt. No debt collector/ corporation has the power to tell me a debt is validated. No contract or monthly statement can validate the debt. 

The consumer, the natural person Is the only true creditor as I am the one that created the debt per federal law. 

I demand that the accounts listed in my letter be deleted asap. If you cant delete the accounts I demand that you produce a contract in affidavit form between me and you showing I granted you permission to furnish the report. If you have that permission have senior executive create an affidavit to me. Have it notarized by senior executive saying I granted you permission to furnish the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: The CBE Group, Inc.
State: UT

Complaint narrative:
CBE Group is reporting an erroneous debt on my credit file that must be removed. I have been disputing this account with CBE Group and they continue to report. I have sent several letters to obtain validation of the debt and have never heard back. This is a violation under the FCRA and it must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ECMC GROUP, INC.
State: IL

Complaint narrative:
Account Name : ECMC ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/2016 Balance : XXXX Reason : Identity theft Please remove this from my credit report. 
Account Name : ECMC ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/2016 Balance : XXXX Reason : Identity theft Please remove this from 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 2021-06-21 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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was never late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R.M. Galicia, Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have tried to reach out and take care of this matter and yet it still remains on my credit report. This company ( PROGRESSIVE, XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX ) whom, I have never done business with does not have a written contract for me. And I need this removed as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-21 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 — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Hello, I did not authorize a charge from XXXX XXXX XXXX on XX/XX/XXXX, for {$100.00} and again for {$43.00}. 

On XX/XX/XXXX and XX/XX/XXXX, I submitted via fax documentation that the items charged had actually been charged to my student account in another credit card and that this* to my TD credit card was not authorized. I called TD disputes on XX/XX/XXXX to ask what was going on with the case. I was told that the case was 'closed ' but the agent told me that they would request to re-open the case. 
As of today, I have not received any mail about this case. Due to lack of communication, I believe this case is closed without an honest resolution. I would like the bank to consider the unauthorized charges invalid given the proof I had sent on XX/XX/XXXX and XX/XX/XXXX. It is due to the bank 's error both in the categorization of the dispute and communication, that this case was not resolved in time. 

I spoke to XXXX from TD disputes on XX/XX/XXXX and she notified me that TD had sent a letter about information regarding this case on XX/XX/XXXX. However, I have not received this letter as of today.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-21 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: TX

Complaint narrative:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My loan was transferred from XXXX XXXX to Shellpointortgage servicing. I made my payment in XXXX to XXXX  for XX/XX/XXXX. Shellpoint said I owed them for XX/XX/XXXX. XXXX said all funds were transferred over but shellpoint never fixed their records. I make my payments on time every month but they keep applying them to the previous month and then telling me I am overdue on my mortgage. They also did not properly apply all of my escrow payments so my escrow account has several thousand dollars less in it than it should. I ended up having to pay my own insurances because they never paid them from my escrow account like they were supposed to. I have called both companies repeatedly and sent in proof of the XXXX payment as well as the insurance payments I have made and they still have not corrected this problem. Instead they just keep calling me and telling me I owe them more money, when in fact they owe me over {$10000.00}. I do not know what to do as this has been going on since XXXX and it still has not been fixed on their end. I did nothing wrong and I am being harassed by them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I attempted to purchase a {$40.00} XXXX XXXX from XXXX XXXX XXXX thru pay pal- they did not disclose the shipping amount at checkout. then they charged my account over $ XXXXUS for shipping of this item from XXXX XXXX charge was in Pounds.- So I immediately contacted Pay Pal and submitted a case for fraudulent charges Case # XXXX, they denied the claim and then I submitted an appeal saying you can not charge people for an undisclosed shipping amount its illegal. I also put a stop payment thru my bank account to make sure I did not pay the financial crippling charge for shipping the item. The bank did return the draft and now PayPal is saying that I owe them the money- I contacted pay pal again today and explained the situation and told them I had done everything I should have by immediately alerting them to the situation and alerting the company. They stated XXXX they don't care they want the money. 
I also corresponded via email with the actual company multiple emails requesting confirmation of cancellation of the order and have not received that back yet from them I called my Congressman XXXX XXXX XXXX and they reccommended that I reach out to you for assistance regarding this matter. 
Here is a copy of order XXXX XXXX SKU : XXXX XXXX XXXX  XXXX XXXX - Delivery w/c XXXX XX/XX/2021 XXXX XXXX Delivery Method : Delivery Unavailable please contact us Products : Delivery : Including VAT @ 20 % : XXXX XXXX XXXX TOTAL XXXX this is this was one of the emails from PayPal XXXX XXXX SKU : XXXX XXXX of XXXX XXXX - Delivery w/c XXXX XX/XX/2021 XXXX XXXX Delivery Method : Delivery Unavailable please contact us Products : Delivery : Including VAT @ 20 % : XXXX XXXX XXXX TOTAL XXXX This is what PayPal says I owe them {$14000.00} USD

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
The claim number for this issue is XXXX. 

On XX/XX/XXXX, I contacted Wells Fargo via phone to dispute some charges I have on my account. I said that I still had my debit card in my possession but noticed there were charges I didn't do on my account. 

The charges are : XX/XX/XXXX {$1000.00}, {$150.00}, {$150.00}, {$150.00}, {$150.00}, {$150.00}, {$150.00}, {$52.00}. XXXX {$3900.00}, XXXX {$1000.00} XXXX transaction date was XXXX ). 

I told them I was in the mountains during this time and didn't have access to my account during this time. My brother was able to assist me with some transactions and making a deposit while I was away without wifi. I was able to complete the filing of the claim. On XX/XX/XXXX, I received noticed that the claim was completed and rejected because a text message was received during when those transactions were completed. I told them that I would look into this further on my end. Around XX/XX/XXXX or XXXX, I called back to let them know I wanted them to reopen the claim because I have more information. 

I discovered spyware on my phone from a company called XXXX. During that time I was in the mountains, I had someone staying at my apartment who is friends with my cousin. I have 2 phone lines and I took my cheap phone up with me and left my main phone at the apartment. This person 's name is XXXX XXXX XXXX from XXXX. I tried to contact him or get in touch with him with no success. I have a strong feeling that he is the reason these transactions occurred. It would have to be an insider with access to my phone and banking information at home. I informed Wells Fargo of this new information still denied with claim when I called them back on XX/XX/XXXX or XX/XX/XXXX after reopening it again. I feel that they didn't conduct a thorough investigation into the information that I provided. I also had the same issue with my XXXX XXXX account as well. They concluded their investigation and credited me the funds back as well from XXXX during this same timeframe. I informed Wells Fargo as well about this. I would like Wells Fargo to complete the investigation and credit me back the funds that were taken from my account without my authorization. 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 2021-06-21 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: TX

Complaint narrative:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I have sent several letters via certified mail to Credit Acceptance, XXXX, XXXX and XXXX regarding a Car Repossession listed on my credit report. I have disputed the account for unfair and inaccurate reporting numerous times to no avail. I have also asked for the method of validation of these inaccuracies from all three credit bureaus only to be sent their computer generated verified as accurate letter from XXXX, XXXX and XXXX The account still to date has inconsistencies reporting to all three major credit bureaus. For instance, on XXXX the last pay listed as XX/XX/XXXX. Same account via XXXX last pay listed as XX/XX/XXXX. And XXXX last payment date is unknown. The account was previously listed as closed with no known updates since XXXX of XXXX. That is until XXXX updated payment history on XX/XX/XXXX and XXXX on XX/XX/XXXX with 20+ late payments as well as XXXX  dating back to original close date. I also noticed that each month from XX/XX/XXXX until now XX/XX/XXXX Credit Acceptance has been continuously updating the balance each month and accruing interest on said closed account. According to my credit report in XX/XX/XXXX the balance was {$13000.00} as of today XX/XX/XXXX the balance is {$15000.00}. Thats a difference of {$2400.00} in interest on a closed account in repossessed status. I find this to be not only illegal but unethical on Credit Acceptances behalf. I also find that all three bureaus are blatantly refusing to uphold the laws set forth by the FCRA for continuing reporting this false information. From my understanding Credit Acceptance is already involved in lawsuits and litigations by several other previous clients for these exact practices amongst other unfair account handlings. I am requesting that Credit Acceptance, XXXX, XXXX  and XXXX  remove this erroneous information from my credit report and that it also not be reinserted onto any of my credit reportings at a later date.

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 2021-06-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
ALL FEDERAL STUDENT LOANS ARE DEFERRED UNTIL XXXX XXXX BACKED BY THE CARES ACT. NAVIENT HAS ASSESSED ME WITH LATE PAYMENTS THAT SHOULD NOT HAVE OCCURRED. THIS NEEDS TO BE RECTIFIED IMMEDIATELY. ADDITIONALLY, I HAD AUTOPAY SET UP WITH MY STUDENT LOAN ACCOUNTS IN THE EVENT PAYMENTS WERE TO BE MADE. THERE IS NO WAY I COULD HAVE BEEN LATE WITH THE CARES ACT AND MY AUTO PAY SET UP IN PLACE. DELETE ALL NEGATIVE INFORMATION ON MY STUDENT LOAN ACCOUNTS DATING FROM XX/XX/XXXX - CURRENT TIME ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: GA

Complaint narrative:
Hello, I obtained my Experian credit report. There were U.S/ Bankruptcy Court items listed on my credit report. Per the FCRA 623 ( a ) 5 : If the Credit reporting agency can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumers credit file. 

After several requests for validation per FCRA 623 ( a ) 5 and 15 USC 1692g- Validation of Debts, Experian has refused to comply with Federal Law that requires them to validate information on a consumers credit file. 

My inquiry to the U.S. Bankruptcy Courts confirmed Experian Credit Bureau has NEVER validated or verified these public records on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are reported by third party sources unaware to the consumer, and in most cases incorrectly. 

They have repeatedly falsely claimed validation on their website and restricted dispute of this matter.

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 2021-06-21 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: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX XXXX XXXX Account # XXXX I was never late 30 days XX/XX/XXXX 30 days XX/XX/XXXX 60 days XX/XX/XXXX 120 days XX/XX/XXXX 

Im not sure how this happened, I have always made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.

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 2021-06-21 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: TX

Complaint narrative:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I am writing this letter to disclose the services were not rendered to me on or about XX/XX/2021. XXXX XXXX XXXXXXXX deducted a total of {$4400.00} out my account ending in XXXX, when I arrived for my appointment it was canceled. I had a XXXX XXXX completed on XX/XX/2021 per my XXXX request. This procedure required a medical clearance from my physician which she had stated I was in fact cleared. I have attached the letter. Even in goals contract ( see attached ) this condition isnt not a reason to cancel an appointment. Goals have list the reasons to cancel an appointment there for the reason was not listed. I believe my appointment was canceled and my money was stolen and applied to someone else account. This clinic is operated by unregistered employees that are not medical assistants who doesnt have a license with the State of Georgia. I asked to see credentials and was asked to leave. There were unsanitary bags outside of the trash cans. This company is a scammed and I have read when clients appointments have been canceled multiple times and money was stolen and never returned. Bank of America has received my documentation and they will not issue a temporary credit for the fraudulent charges on my account. I am not being treated fairly. My account was drained and I literally dont have anymore money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I seem to have a fraud issue with XXXX. They are trying to collect a debt since XXXX XXXX. At the time, I was only XXXX XXXX XXXX. I reported this incident to XXXX and XXXX and they were able to remove this from my credit report in about 3 days. However, I sent 2 reports to experian about this matter. One report contains my ID, explaining that I was a minor at the time. The other report was filed a week later to their customer support email, explaining that I was a minor at the time of this account opening and that I still haven't received a response back from customer support. I dont know the exact date of the reports that I made, but I know its been well over 30 days since sending these reports.

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 2021-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I XXXX XXXX never enter any consumer credit transaction with ARS ACCOUNT RESOLUTION for them to have obtain my personal information. Pursuant 15 usc 1692 ( a ) this is infringement upon my consumer 's right to privacy. By ARS ACCOUNT RESOLUTION obtaining my personal information without my consent they have committed fraud and identity thief and I have filed an FTC complaint and attached it below. ARS ACCOUNT RESOLUTION furnishing this allege debt to my consumer report they have damage my reputation pursuant to 15 usc 1692d ( 1 ). Now I can not do business with anybody else due to ARS ACCOUNT RESOLUTION reporting this allege debt to my consumer 's reports.

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