vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc

Complaint narrative:
This in in regards to my paypal they hold my money and said wait for 180 days.Im an online seller of virtual products to support the needs of my family in this time of crisis since i dont work anymore due to covid 19 and why they hod my money its my hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have provided proof that XXXX XXXX XXXX is reporting the wrong balance to my credit report. They have even sent me a letter providing my balance. XXXX is reporting false on my credit report. This is a violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have provided proof that XXXX XXXX XXXX is reporting the wrong balance to my credit report. They have even sent me a letter providing my balance. XXXX is reporting false on my credit report. This is a violation

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 2021-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TN

Complaint narrative:
Your company is reporting the incorrect balance on my credit report, I have been paying this account as agreed every month. You're reporting a false balance and not reporting the correct amount. I have attached reciepts showing I have been paying. Update my credit report. It should be showing paid as agreed with the correct balance. This is a violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: OneMain Finance Corporation
State: PA

Complaint narrative:
On XX/XX/2021, I filed a dispute in regards to the incorrect items on my credit report and its been 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Placed an online order on XX/XX/2021, canceled order same day. On XX/XX/2021 a charge appeared on my account for {$76.00} the amount of order I canceled on XX/XX/2021 so I filed a claim to have the funds returned to my account. Called the bank several times concerning claim ( Wells Fargo ) after I hung up on a claims worker suddenly the charge disappeared from my account and Wells Fargo never returned money owed me to my account. I have been receiving my bank statements online after today XX/XX/2021 I changed to paper statements. Someone at Wells Fargo changed information in my account today, that charge was on my account today until it was taken off after XXXX today, but my account was not credited the {$76.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
WAYPOINT is claiming that I owe them {$56.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2021, I deposited my stimulus check in the amount of {$1400.00}. Instead of giving me the opportunity to correct the endorsement they did not allows me to redeposit the same check with the following corrections ( attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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:
Someone has been trying to open accounts under my name and has created unauthorized inquiries as a result on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: TX

Complaint narrative:
I attempted to make two payments today and someone in there customer service center keeps canceling my payments because they are trying to make me default on my loan

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
Credit acceptance continues to add a false account balance to the credit bureaus

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 2021-04-15 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: CCS Financial Services, Inc.
State: OH

Complaint narrative:
This is my THIRD DISPUTE regarding the same accounts that are fraudulent and does not belong to me and still showing on my credit reports The accounts need to be deleted from my credit report immediately. Once again this is affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : XXXX # XXXX, CREDIT COLLECTION SERVIC # XXXX, XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: Meade & Associates, Inc.
State: OH

Complaint narrative:
This is my THIRD DISPUTE regarding the same accounts that are fraudulent and does not belong to me and still showing on my credit reports The accounts need to be deleted from my credit report immediately. Once again this is affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : XXXX # XXXX, XXXX XXXX XXXX # XXXX, MEADE & ASSC

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am XXXX XXXX I have been with Capital One for about 4-5 years and my account is being held because I was approved for a loan and as a customer I should have access to my funds and the daughter account is now being held as well. What I do not understand if the government ask for these type of documents you provide it to them and the money was disbursed in your account why is or should I say the bank feel the need to hold someone funds if they were approved for them. So the bank has the right to hold funds because of what and why and how please explain that to me. If your supporting documents were approved from SBA why do the bank feel the need to hold your funds it is not right. They are asking for all these documents like they are the government.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: Carvana Group, LLC
State: OK

Complaint narrative:
On XX/XX/XXXX I went to XXXX ok and traded my XXXX XXXX XXXX in to carvana for a XXXX XXXX XXXX everything was good till I had to reach out to them for a registration form because my paper tag was out of date and I was informed that they were not moving forward with the sale that I had to write a letter to the underwriting team and they would not tell me anything else on the issue I still have no clue why this has happened but this morning I had wrecker service show up to get the car and I didn't allow them to take it till I got my trade in back they won't talk on the phone they won't tell me anything and they are trying to pick up the car without giving me back my car I traded in or a reason why it's even happening they never called or sent any notice saying this is what they were doing I wouldn't of even known if I didn't call them to get registration for tag I've tried reach out several ways no one will talk to me about it its been put on my credit report and they are wanting me to make a payment as well idk what to do please can u help me?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
USAA has not blocked transactions from companoes I have told are fraudulent. Specifically, XXXX. I had to transfer all direct deposits form this account and they have repeatedly failed to fix this issue. They are racking up NSF fees that are not my responsibility. I have tried to cancel the account but they have to have so much time in between activity and I cant pay off the transactions befoee another appears even though I have told them I do not want their services and to block all transactions.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: RI

Complaint narrative:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate HowXXXX it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX XXXX XXXX XXXX  sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: GA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
CREDIT SYSTEM INTL IN is claiming that I owe them {$130.00} 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 2021-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Evergreen Recovery Solutions, LLC
State: OH

Complaint narrative:
AFFIDAVIT : VERIFICATION OF DEBT 1. That I have the requisite knowledge of the facts regarding [ name of bank ] Account Number ENHANCED RECOVERY # XXXX including the credit card agreement, account ledgers, and bookkeeping entries ; is my experience that ENHANCED RECOVERY does not follow Generally Accepted Accounting Principles ( GAAP ) or the Federal Reserve Banks policies and procedures, and did not create credits from the Contract holder signed receipts, promises to pay, notes, or other instruments ; all material facts and terms and conditions regarding the alleged account, have been disclosed to the contract holder in the purchase agreement and promissory note. I request real proof that ENHANCED RECOVERY is the legit holder of a contract that can enforce a claim upon my person. 
.

Company response to consumer: Untimely response
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: FCI Lender Services Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX FCI Lender Services , Inc initiated foreclosure actions on my property. They allege that I owe {$180000.00} for a loan that I allegedly took out from a now defunct bank i.e. XXXX XXXX XXXX in XXXX. From their payment statement the loan is 3945 days delinquent. I have repeatedly ask FCI Lender Services to validate this debt but to no avail. I received the foreclosure documents from their attorney XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX, XXXX CT XXXX with a foreclosure sale date of 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 2021-04-15 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:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
RE : Equifax Data Breach - This complaint requests that Equifax immediately renders all settlement services due to me as the result of the federal court agreement established on XX/XX/XXXX. I am a victim of the Equifax data breach, and as a result of this breach, I have suffered extensive damages to my credit, including fraud and identity theft. I confirmed my eligibility and filed an initial claim in XX/XX/XXXX and again in XX/XX/XXXX with no Equifax response. 

During the process of my claim, I selected the option to receive reimbursement for the Equifax subscription. I have not received any written acknowledgment of my claim or confirmation that I would be receiving such services. In XX/XX/XXXX, I subscribed to the XXXX credit monitoring services in light of Equifax 's lack of response. I submitted by mail to Equifax copies of my subscription fees ; however, I stopped such services in XX/XX/XXXX since Equifax has not responded to my reimbursement request. 

At this point, I seek CFPB 's assistance to enforce Equifax to immediately restitute my credit by rendering reimbursement of credit monitoring services in XXXX and providing me credit services for the next four years. Also, I seek reimbursement for all out-of-pocket losses for the costs incurred in hiring professional services to fix my credit. 

Equifax has failed to comply with the Federal Court Order. Regardless of the appeals that Equifax may be seeking, I kindly request CFPB to address Equifax 's failure to amend the damages I have suffered due to the breach of my information. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: CT

Complaint narrative:
In about XX/XX/2020, I closed a credit card with XXXX XXXX XXXX. Apparently, it was never closed. I have statements and proof of all payments ( even of them charging me for a prorated yearly fee, after I closed the account ) and statements until the end of 2020, which show a XXXX balance, including their mobile app, which STILL shows a XXXX balance. I never carried a balance of more than a few dollars on this account. Today, I was notified by Experian that I had a derogatory account with them, and they did a chargeback for {$340.00}. Not only was there XXXX correspondence about a debt I might owe, there was nothing at all on their mobile app that I owed money. To this day, it says I have a XXXX balance. I have spoken to 3 people, including 2 supervisors at XXXX XXXX, and they could not tell me about any charges or fees I neglected to pay. I have statements to prove it. Yet, they sent my closed account to a collection agency, severely damaging my credit, and my good name. I have gotten nowhere with them, despite legitimately trying to resolve the issue. This is fraudulent! I pay my bills, and they are wrong! I respectfully ask that you resolve this issue, and severely penalize this terrible company, who Ive found out has thousands of complaints like mine with the XXXX XXXX XXXX. Please help me! Also, please inform the 3 credit bureaus ( XXXX, XXXX XXXX, Experian ) that I am in good standing

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 2021-04-15 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: AL

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation