vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-09 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
This company has violated my rights under federal law. This company has violated my right of privacy under 15 USC 1681a ( 4 ) by furnishing negative and adverse information on my consumer report without my consent. This company has also violated my rights under 15 USC 1692g by failing to validate this debt in a timely manner after I sent them a letter. In that letter I also demanded that they cease collection and communication through any and every medium with me or any other company that's stated under law until this debt was validated and they have failed to do so. I am tired of being XXXX  as a consumer and i will not stand for this any longer. I am seeking monetary damages and I have attached an invoice for every violation under the FCRA & FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This company has violated my rights under the FCRA and the FDCPA. This company has violated my right of privacy under 15 USC 1681 a ( 4 ). This company has continued to report adverse information without my consent and this has violated my right of privacy for them to continue to report information that is private to me and this has caused me great XXXX. This company has also violated statue 15 USC 1692g and has failed to validate this debt in a timely manner. I also included in that letter that this company must cease all communication through any medium directly or indirectly with any other company until this debt was validated and they have failed to do that. I am tired of being XXXX  as a consumer and i know my rights. I will not stand for this any longer. I have attached an invoice for every violation that has occurred and i expect to receive compensation.

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 2021-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
On XX/XX/2021, I was trying to update my email and address on my PayPal account and called the number listed on its website. When I spoke to first XXXX XXXX and then to a person, who claimed to be a PayPal Account Manager - XXXX XXXX - ID # XXXX at XXXX. XXXX XXXX first asked me to log onto my bank account ( XXXX XXXX ) and XXXX {$490.00} from my checking account to a XXXX to verify my identity. XXXX also asked that I send {$490.00} from my savings account to XXXX XXXX at XXXX to verify the same. The savings account did not go through but the checking account did. XXXX explained that my money was not being sent but was only being used to verify identify and the funds would be back within in my account within 24 hours. Which has not happened. 

On XX/XX/2021, my wife and I have called several numbers that XXXX and XXXX had provided and they all answer the phone stating they are with PayPal. We also spoke to a XXXX XXXX at XXXX is a Request to receive money on my PayPal account but I am unable to file any type of resolution or dispute with the transaction. I had my wife email PayPal to try to get a resolution. We also spoke with a XXXX who said he was with PayPal dispute center and his ID is XXXX. However, he wanted me to log into another website and when I asked why, he became hostile and hung up the phone. 

On XX/XX/2021, I have spoken with my bank and have filed a money movement claim, which will take 10 days. I am now filing a claim here because I want to make sure that all my bases are covered and that I am able to get my {$490.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
Refinanced original mortgage with NewRez/Shellpoint with XXXX XXXX in XX/XX/2021. Paperwork was incorrect and officer told us to cross out maiden name and put new name. The old mortgage closed and the new one opened. Paperwork was not accepted with crossouts so they made an appointment with us to file the new paperwork in XX/XX/2021. We were told not pay anymore on the old mortgage as it was closing. They decided to report a missed payment to the credit bureaus in XX/XX/2021 from XX/XX/2021 even though we were told to disregard anything that came from the old loan. This brought my credit score down by roughly almost 100 points. XXXX originally immediately followed up with NewRez 's escalation team to figure out what happened back in XX/XX/XXXX. There was never any follow up and neither the escalation team or XXXX have followed up with me to get the problem fixed. We continue to pay on the new correct loan with no problems going forward. However, the old loan was clearly sloppily closed. You can see I have no history of ever missing a payment on any of my accounts. Please help address this problem and getting the one missed payment improperly applied off of my credit record. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This company has violated my rights under the FCRA and the FDCPA. This company has violated my right of privacy under 15 USC 1681 a ( 4 ). This company has continued to report adverse information without my consent and this has violated my right of privacy for them to continue to report information that is private to me and this has caused me great XXXX. This company has also violated statute 15 USC 1692g and has failed to validate this debt in a timely manner as stated by law. I also included in that letter that this company must cease all communication through any medium directly or indirectly with any other company until this debt was validated and they have failed to do that. I am tired of being XXXX  as a consumer and i know my rights. I will not stand for this any longer. I have attached an invoice for every violation that has occurred and i expect to receive compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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: OH

Complaint narrative:
I have sent a letter in for this company and they did not do any investigation and I've sent a letter out twice already and did not get any response and it's been over 3 months now. The dates I've sent these letters out were XX/XX/21 and XX/XX/21. I did not grant these companies authorization. I will attach the files with the inquiries for the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: AL

Complaint narrative:
Alleged Debt account number with Rent Recovery Solutions # XXXX I have tried to no avail over the last 3 years to have this debt removed from my credit report. I have practically begged this company to remove it and they just ignored me. 

Their only response has been if I am a victim of identity theft provide a police report and they will remove it. 

I even complained with the CFPB last year I will provide the complaint number at the end of this file. 

Last year I did not know my rights ; this year I do because I studied the Code of Federal Regulations. 

I affirm that I am a Natural Person and a Consumer.

I affirm that Rent Recovery Solutions has not provided Proof of Contract.

In the evidence I provide I show exactly which Laws they have broken.

I affirm each law that they broke point for point in my Affidavit of Truth that I have provided as evidence. 

I have sent all this evidence to Rent Recovery Solutions and I am currently in step 2 of an Administrative Process. Again I am contacting the CFPB because I know when I file a lawsuit the administrator Or Judge will ask how I have tried to reconcile this matter. 

I am exhausting all avenues of remedy, court is my last resort. After step three in this Administrative Process I will have a valuable claim. 

First and foremost Rent Recovery Solutions, llc has violated my 4th admendment rights.

I have the exhibits as proof. Rent Recovery has violated 15 usc 1692 j ( a ) they are using abusive and deceptive debt collection practices by reporting inaccurate information on my XXXX Report and has been reporting it for three years.

My main bone that I have to pick is Rent Recovery Solution, llc 's violation of 15 USC 1681 s ( 2 ) ( b ) ( i ) ( ii ). They are reporting inaccurate information on my Consumer Credit Report but they never verified by providing a proof of contract which I asked for several times.

I will be suing for Title 15 violations as well as damages. The amount I plan to sue for based on violations is {$340000.00}. I have attached the bill of particulars that I sent to them as well. 
My original complaint number with the CFPB from last year is XXXX submitted on XX/XX/XXXX of last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I've been trying to reach out to Experian, they have not given me access to my CONSUMER REPORT and XXXX  REPORT. I have attached screenshots as proof.

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 2021-10-09 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: OH

Complaint narrative:
I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : -XXXX XXXX # XXXX -XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX -DEPT OF EDUCATIONXXXX XXXX ( date open XX/XX/XXXX ) -DEPT OF EDUCATIONXXXX XXXX ( date open XX/XX/XXXX ) -DEPT OF EDUCATIONXXXX XXXX ( date open XX/XX/XXXX ) -DEPT OF EDUCATIONXXXX XXXX ( date open XX/XX/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 2021-10-09 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:
This dispute is for the XXXX XXXX  account on my report. It reports Collection charge off when it was never charged off its all reported as a collection until recent. This account balance has been paid in full please remove from my report. Thanks

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 2021-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I've been trying to reach out to Equifax, they have not given me access to my CONSUMER REPORT and XXXX  REPORT. I have attached screenshots as proof

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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: PA

Complaint narrative:
I've been trying to reach out to Transunion, they have not given me access to my CONSUMER REPORT and XXXX  REPORT. I have attached screenshots as proof

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 2021-10-09 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 that I use for my business. I had this account for 3yrs and had successful transactions the suddenly Paypal decided to limit my account and now to no longer do business with me without any reason at all. I have submitted all necessary documents and verified my id and address same with my banking information but still they'd close my account and holding my funds. Paypal account : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
Sequium Asset Solutions. LLC. 

Sequium Asset Solutions , LLC. is attempting to collect a debt that does not exist with XXXX. 

Further, XXXX XXXX XXXX, XXXX. is breaking the law under the Federal Credit Reporting Act ( FCRA ), overseen and enforced by the Federal Trade Commission ( FTC ). Sequium Asset Solutions , LLC backdated the Collections Account entry to my Credit Reports for XX/XX/XXXX ; however, the collections account was entered into my credit profiles on XX/XX/XXXX, and I had not received written notice of potential debt or any information pertaining to negating said debt. 

Today, XX/XX/XXXX, I received a letter from Sequium Asset Solutions LLC., dated XX/XX/XXXX informing me of the proposed debt. 

The Fair Credit Reporting Act ( FCRA ) protects consumers from this practice in two ways. First, it requires a creditor to inform the consumer when it is reporting negative information about you to a CRA. Second, it limits the amount of time negative information can remain on your credit report. When debt buyers fail to inform a consumer that it has reported the debt to a CRA or falsifies dates in order to park old debt on your credit report, it is breaking the law. 

Sequium Asset Solutions , LLC. has violated the Fair Credit Reporting Act ( FCRA ), which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/2020, Comenity Bank ended their credit card program abruptly during a critical time in the formation of the Covid-19 Epidemic. As a direct result of Comenity 's closing of accounts in good standing, like this, an avalanche effect destroying this consumer 's credit worthiness ensued. Credit scores plummeted and additional punitive actions were taken by other credit issuing banks including XXXX, XXXX XXXX XXXX, and most importantly, XXXX XXXX who made exaggerated efforts to communicate account durability to network partners while fraudulently enrolling clients in relief programs designed to amplify their financial crisis. XXXX XXXX XXXX XXXX  and its subsidearies XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXXXXXX. used the information they received from Comenity to cause the decision to initiate theft of securites and stock from investment accounts and offer temporary credit lines that were designed to never be made permanent as a result of the damage to the credit report and scores caused by Comenity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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:
This dispute is for the XXXX XXXX account on my report. It reports Collection charge off when it was never charged off its all reported as a collection until recent. This account balance has been paid in full please remove from my report. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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: TX

Complaint narrative:
This dispute is for the XXXX XXXX account on my report. It reports Collection charge off when it was never charged off its all reported as a collection until recent. This account balance has been paid in full please remove from my report. Thanks

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 2021-10-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: MECHANICS BANK
State: CA

Complaint narrative:
On XX/XX/2021, I went to the Mechanics bank in XXXX, California ; located at XXXX XXXX XXXX. I was going to open a savings account, however, I did not open an account, because the employee tried to persuade me to open it and maintain it online and to receive e-statements, instead of paper statements. I was told that there would be a monthly fee per month in order to receive paper statements and that the fee would be automatically deducted from my account. Therefore, I never opened an account. The reason Im writing is because I read that banks are NOT supposed to charge a fee to receive paper statements and that the law states its illegal to charge a customer a fee to receive paper statements. I told the employee this fact, but the employee did not care to waive anything. I left the bank without opening an account, but I have been to other banks also and they too try to charge monthly fees for paper statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Diversified Adjustment Service, Inc.
State: SC

Complaint narrative:
Debt is too old to be collected on according to fair crediting act called my job and told my boss they were a debt agency looking for me and would not stop calling my work number

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
My wife 's Mastercard credit card, issued by Capital One, had several unauthorized charges that were identified as fraudulent. That card was replaced by a new card. New unauthorized charges were posted to it on the day after the card was received but before my wife used it. I called the bank 's fraud line, and in the discussion with the bank 's representative I learned that the bank had an agreement with Mastercard to automatically update my wife 's card number. This enabled the fraudulent posting to continue. The bank 's representative stated that there was no way to stop such charges other than to " lock '' the card. This makes the card unusable. 

I see from an internet search that some banks give their customers the ability to opt-out of the Mastercard Auto Updater feature. If this is not required for nationally chartered banks that provide credit cards, I believe it should be. It would reduce the burden borne by customers from the apparent inability of Mastercard and its bank partners to prevent repeated attempts at fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-09 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:
I'm a new user of paypal. I'm a XXXX XXXX XXXX and I got my first payment thru paypal. May account is fully verified with bank accounts and card linked to it even my client confirmed his payment to me paypal decided to permanently limit my account and they'd hold my funds for 180 days. 
Paypal Account : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Trans Union asked if I wanted to take a 7 day free trial with them but I had to put my credit card information on file with them I did. They wanted XXXX a month to stay with them. I canceled on the 6th day. They locked me out of my own account for not updating my credit card. I used to be able to go online and check my credit scores. Now I cant do anything at all. They put a freeze on my account Nobody can access my info not even myself. I didnt do anything wrong.

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