vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-08 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: AL

Complaint narrative:
I XXXX XXXX am FED UP! These fraudulent accounts do not belong to me, yet they continue to report. I am filing a civil suit against equifax as of XX/XX/XXXX. I opted out over 3 months ago so Im no longer subject myself to Equifax arbitration bylaws .Equifax removed accounts and readded them back on my credit report and due to the FCRA XXXX I am supposed to be notified in writing before this takes place. I WAS NOT!!!!!! I, as a consumer have the right to know how these accounts were verified, because they do not belong to me but yet they are still reporting! I am sure that Equifax did not go to the original furnisher to verify these accounts are mine and they have to do so under the FCRA.If they did verify, they would have realized immediately that I have no clue of these accounts and they do not belong to me. Failure to notify me that Equifax reinserting an item on my credit report in writing FCRA ( A ) ( 5 ) ( B ) ( iii ) results in {$1000.00} fine. As Equifax has violated the FCRA., and refused to removed fraudulent accounts after I provided proof. This is considered defamation of character and willful injury. under the FCRA section 623.Equifax failure to remove these negative inquiries and accounts have caused me mental anguish and has hurt me financially. My case will be handled by XXXX XXXX XXXX XXXX XXXX CONSUMERPROTECTION LAWYERS ) XXXX XXXX XXXX XXXX  Al XXXX We are bring our legal claims against Equifax as of today. 

XXXX XXXX XXXX  Car XXXX XX/XX/XXXX {$120.00} XXXX {$95.00} ( INQUIRIES ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX bank  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Dealer XXXX XX/XX/XXXX These certain induvials in the fraud department are responsible and the will be personally named in our lawsuit as of today XXXX XXXX of Equifax senior vice president enterprise fraud ID theft XXXX XXXX of Equifax XXXX XXXX XXXX XXXX XXXX of Equifax Fraud and identity product manager

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX XXXX contacted my relative on XX/XX/2019 and left a voicemail stating that I owe a debt and they are trying to reach me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
MORTGAGE FRAUD, CONSUMER FRAUD, INTENTIONALLY MISLEADING FEDERAL INVESTIGATORS ... XXXX XXXX, Nationstar Mortgage, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX intentionally misled the CFPB and the consumer. We have attached a signed statement from XXXX through their attorney, and he confirms they brokered a fraudulent loan that Nationstar collected on even after they were fully aware of the fraud. Their Attorney has also confirmed the Senior Citizen victim was mislead over {$36000.00} over the course of this loan when you multiply the loan disclosure fraud by the number of payments being made. XXXX XXXX used this bogus claim in their last several fraudulent responses ... " This complaint lists someone the company does not recognize as their customer or their customers authorized representative. '' and the conspiracy to defraud and mislead continues. No one is denying loan fraud, escrow, fraud or theft ... now they just claim to be immune to prosecution, claiming a bogus statute of limitations. " Obama signs law cracking down on mortgage fraud ... Department had received 62,000 reports of mortgage fraud last year ... In the past, the statute of limitations on all kinds of fraud cases was five years. However, President Obama has established a new law in 2009, which increased the statute of limitations to 10 years. Additionally, Florida can toll the statute if the defendant is out of state. '' ALL DEFENDANTS ARE OUT OF STATE ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP
State: IL

Complaint narrative:
I received a letter dated XX/XX/XXXX from Linebarger Goggan Blair & Sampson LLP stating that I owed {$500.00} for unpaid parking tickets in the City of XXXX. The dates on the tickets are : XX/XX/XXXX - XX/XX/XXXX. 

The letter threatens garnishing my wages and bank accounts, and filing a lien against my property. 

I called the Linebarger and explained that the tickets were paid at the time they were incurred. I have lived in XXXX or nearby for more than 30 years, and I ALWAYS paid all my tickets in order to avoid hassles such as having my car booted, etc. Linebarger 's agent asked me for records proving that I paid. By checking account only keeps 7 years of statements, and my records do not go back 20 years, so of course I have no proof at this point. Then she said there was nothing she could do. 

If this money were actually owed, why was I never contacted by anyone from the City of XXXX, nor from any debt collector, until now? This belies belief, and it doesn't add up. Either Linebarger has gotten some bad data, or mis-interpreted that data.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
1. I received a Certification of Eligibility for Sandy-Impacted Forbearance Certification from the New Jersey Department of Consumer Affairs. Pursuant to Public Law XXXX, Chapter 15. This certification entitles me to a term of forbearance that shall conclude upon the occurrence of the earlier of the following : the conclusion of one year following issuance of a Certificate of Occupancy for the mortgagors Superstorm-Sandy-impacted primary residence ; XX/XX/XXXX ; or, regarding a property in foreclosure proceedings, upon the expiration of 10 days This is false. I paid all escrow payments from XXXX, although as part of the Public Law, I had from 1 year of the day that I received my certificate of occupancy, which was on XX/XX/XXXX. The public law states that the term forbearance is to mean a suspense. My mortgage was supposed to be suspended during the forbearance and normal mortgage payments were to resume at the end of the forbearance period. Please read the law and all documentation and correct your records. 

2. I received a mortgage statement, dated XX/XX/XXXX, showing a monthly payment for XX/XX/XXXX of {$2200.00}. I sent payment for {$2200.00}. 
I received a mortgage statement, dated XX/XX/XXXX, showing a monthly payment for XX/XX/XXXX of {$2200.00}. I sent payment for {$2200.00} I received a response from Shellpoint, dated XX/XX/XXXX to my inquiry as to why my account is listed as delinquent. Now I am being told by Shellpoint that I am supposed to pay {$2400.00} as a monthly payment. The contradicting documents that I receive are confusing and fraudulent. Why I am being sent incorrect information on a consistent basis?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: American Coradius International LLC
State: WA

Complaint narrative:
Letter received from American Coradius International LLC claiming debt not owed. Verified not owed with original creditor ( XXXX , XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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:
Not mine. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CreditNinja Lending, LLC
State: SC

Complaint narrative:
In XX/XX/XXXX, I foolishly took out a loan with CreditNinja. This is a payday loan yet CreditNinja did not align my paydays. I requested that they line by payment dates up with my paydays as they were supposed to do when the loan was issued. I was told I had to make one payment and then that action would be done. I made the one payment and then received an email telling me to sign new documents to set my payment dates up to be in accordance with my paydays. I did that yesterday. The documents clearly showed that I made the one payment already and my SECOND payment will be due XX/XX/XXXX. As soon as I submitted the documents, CreditNinja began harrassing me for a missed payment. I have explained repeatedly that I signed the new documents and do not have a payment due until XX/XX/XXXX. I want my account marked CURRENT/UP TO DATE/IN COMPLIANCE/IN GOOD STANDING with my next payment due XX/XX/XXXX. I can no longer access any of my documents via the CreditNinja account system online.

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 2019-05-08 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: GA

Complaint narrative:
Transunion is reporting incorrectly that I am 30 days past due on the XXXX partial account number XXXX. ( Please see pages 7 and 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
USAA has not refunded moneys belonging to me. They took a whole XXXX, dollars from me and now will not release XXXX dollars of the next VA check to me. The USAA bank told me to tell the Veterans Affairs to do a recall recall is done still no money. I tried to speak to USAA. They have lied several times. It is now theXX/XX/XXXX, no money has been given to me. They are holding my money hostage. I am homeless due to this bank, my furniture and belongings where lost. 
I had to leave important life long things. I am ill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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: MS

Complaint narrative:
i sent transunion a letter regarding the negative items reporting on my credit report on XX/XX/2019 via certified mail and haven't heard anything back from them.i am asking the m to verify the items or delete it from my credit report within 30 days required by law

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 2019-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Perfection Collection
State: OK

Complaint narrative:
XXXX XXXX from Perfection Collection LLC called a family member on XX/XX/2019 and notified him of a supposed debt I owe. After talking on the phone to him, an email was then sent to him stating that I owe different amounts on the debt and can settle the account. I called the collection company and spoke to XXXX. I asked for proof of the alleged debt and to stop contacting my family. She stated that she would when the debt is paid. I then requested that further contact be made in writing to myself only.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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:
after numerous disputes experian refuses to report this XXXX  XXXX account as charged off and not paid. this account is paid and the creditor agreed to delete upon payment.

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 2019-05-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC
State: IL

Complaint narrative:
I took out a Perkins loan to help pay for XXXX school at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. After graduating I landed my first job XX/XX/XXXX at XXXX XXXX XXXX XXXX as a full time XXXX XXXX ( XXXX ). I worked at XXXX XXXX XXXX XXXX until XX/XX/XXXX. With no lapse in employment, I changed jobs in XX/XX/XXXX and  began working full time as a XXXX XXXX ( XXXX ). In XX/XX/XXXX I applied to have one year cancelled from my perkins loan through Heartland ECSI since I was coming up on a year ( XX/XX/XXXX ) being employed full time as a XXXX. I received a reply from ESCI stating that I was not eligible to have the cancellation processed because I am a XXXX XXXX. It stated that I needed to be employed for 12 consecutive months in order to have the cancellation. I called Heartland ESCI after receiving the notice to find out why. They stated that I needed to send proof of being employed full time as a school nurse for 12 months. My contract with the school stated that I was employed from XX/XX/XXXX until XX/XX/XXXX ( see attached file ). I then faxed a copy of my contract from the school showing that I was employed for 12 consecutive months. I was denied again. I called ESCI again to find out why and I was told that because I have the summers off as a school nurse, that I am not eligible and that I needed a letter from the superintendent stating that I was employed full time for 12 months. The original application that is signed by the superintendent and had the official school stamp stated that I was employed full time ( please see attached ) and even if I had summers off, I worked full time as an XXXX from XX/XX/XXXX to XX/XX/XXXX with no lapse in employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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:
On XX/XX/XXXX I submitted a complaint with the Consumer Financial Protection Bureaus website to get assistance in correcting this information and Trans Union added more fraudulent addresses for out of state. Now I am submitting an additional complaint and hope this can be expedited so that I can be done once and for all with this. On XX/XX/XXXX I paid {$20.00} for a certified letter to Trans Union containing a signed and notarized document, notary certificate and a Identity Theft Affidavit. On XX/XX/XXXX I received confirmation that Trans Union received my certified letter and it's contents. As of XX/XX/XXXX, I paid the credit monitoring website, XXXX a fee of {$24.00} to refresh my credit reports with all three credit bureaus and I became aware that the fraudulent information with Trans Union is still on my credit report. There are fraudulent/invalid addresses which are not mine. I have lived at my current residence in XXXX, Ca for over 10 years ( Since XX/XX/XXXX) and I have never lived out of state. On XX/XX/XXXX, I paid an additional {$24.00} to my credit monitoring account to refresh all three bureaus and noticed Trans Union added more out of state fraudulent accounts and an unauthorized inquiry also. I contacted Trans Union directly and they advised they were unable to help with anything at this time. The level of professionalism was unacceptable as a consumer and now I am writing to the CFPB for assistance once again.

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 2019-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
I am writing you to show documentation and to seek resolution for my open fraud case with Paypal and XXXX XXXX XXXX. I, myself, am a PayPal user and have had a PayPal credit line since XX/XX/XXXX. My personal account is not involved in this case. In XX/XX/XXXX, I had my credit card compromised and it was used to open up another Paypal account in XX/XX/XXXX using my name and an email address the thieves set up in my name - that is not associated to me - and made several charges. The credit card that was used has NEVER been linked or used on my personal Paypal account. On XX/XX/XXXX, I made a claim with the bank " XXXX XXXX XXXX '' and with PayPal notifying them of the false account and charges. In XX/XX/XXXX, I received a letter from XXXX XXXX XXXX, that PayPal stated that all charges were valid, despite me never opening the account or purchasing anything. I was directed to contact PayPal, the merchant, to further my fraud claim. 

Since doing so, I have contacted them every 7 to 10 days for further explanations. Each phone call, I have to give the same information repeatedly only to be told a refund would be issued to me in 7 to 10 business days. 

I have 3 different case numbers associated with my case. 

- On XX/XX/XXXX, PayPal refunded 1 of the charges for {$32.00} to the credit card account. 
- They refunded another charge on XX/XX/XXXX of {$32.00}. 
- On XX/XX/XXXX they mistakenly refunded a charge back to the fake fraud account and sent the money back to me on my real PayPal account in the amount of {$32.00}. 

On XX/XX/XXXX, I received a collections notice from PayPal that the fraud account has been over drawn in the amount of {$280.00}. I wrote a letter to the collections company XXXX, stating that this account was not valid and referenced the case numbers I've been given. 

Today, I received another notice from the collections company that PayPal has said all charges are valid and the debt is owed in the new amount of {$350.00}. The fraudulent account was taken into the negative on XX/XX/XXXX, more than 4 weeks after I first notified them that the account was fraudulent on XX/XX/XXXX. 

I need another party to intervene on my behalf. The credit card company XXXX XXXX XXXX  will not help me because PayPal said the charges were valid initially. PayPal claims to have closed down the fraudulent account and did refund 3 charges, but I am still owed {$500.00} and the collection company needs to be made aware that the debit of {$350.00} is not valid and the collection efforts need to be canceled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Capital One owes me {$850.00} but refuses to send me a check I can cash. 
I have had 3 credit cards with Capital one for years. Never late, never over limit. Then a stranger got 2 of my cards and ran up charges for 3 days. You never think it will happen to you. To be safe, I sent in payments of {$1000.00} to each card. When the dust cleared, I had an {$850.00} balance overpaid on one card. That was last XXXX. 
It took months, but Capital one finally sent me a check, but it was made out only to my business. The card had both my name and the business name - statements also carried both names. I am XXXX, on XXXX, and retired 2 years ago and closed the business. I didn't really think about the cards. My bank will not accept a check made out to a business that no longer exists. I had told XXXX XXXX about this during the fraud investigation. I have, now, called 4 times the last 4 weeks as I was promised a check in my name over a month ago. Capital One owes me {$850.00} for 6 months, now. If it was them, they would be charging me interest and destroying my credit ( which is 780+ by the way ). Their trained monkeys just can not seem to deal with this properly even if I stay on the phone for 30 minutes. I returned the original check to Capital One a month ago. I want my money back!!! 
I am tired of calling and getting trained monkeys who either can't figure out that I am owed a check or claim that my " record '' is not clear that they owe me a check. XXXX XXXX - XXXX, ext XXXX - Promised me a check in my name well over a month ago.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
Letter received from XXXX XXXX XXXX XXXX claiming debt not owed. Verified not owed with original creditor ( PayPal , Inc. ).

Company response to consumer: Closed with non-monetary relief