vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: SC

Complaint narrative:
I lived at XXXX XXXX in XXXX, SC for 6 months while my home was being built. There was a tenant in there prior to me who needed to break their lease and so I came in and took over the lease. The apartment was cleaned but not checked thoroughly, such as carpets being lifted. to ensure damage was not done by prior tenants. I moved out of XXXX XXXX XXXX of 2019 and the apartment was immaculate. I received an email XX/XX/2019 stating that XXXX was taking my {$600.00} deposit and charging me an additional {$740.00} to replace the carpet in the apartment because of XXXX stains. On XX/XX/2019 I emailed them back letting them know I did not have a dog to cause the damages that they showed in the pictures and it was probably from the tenants prior to me. I even sent them pictures of where my table sat that even if I did have an animal, there is no way it could get in that area. They wrote back on XX/XX/2019 stating because I signed the condition of statement and marked all looked good, I am going to be the one who is going to pay for the replacement of the carpet. I called and try to explain that if I were given the option to lift the carpet up to look for stains I would have, but the stains were not visible on the surface, so yes I I marked that all was good. I was told that the carpet was never checked ( lifted up ) in between the old tenants moving out and me moving in. I have since gone back and forth with them for a year and and half. I also called XXXX XXXX, XXXX XXXX, which is their management company and left very detailed messages and never received a call back. When XXXX, XXXX XXXX, put this into collections, I put a dispute in with the collections company but to no avail. I am now selling my home and buying another. My credit is perfect without any marks. My loan officer called and asked what is this collections thing on my report. I almost started crying on the phone. Because of this, my credit which is around 815 is now XXXX  and my interest rate for my mortgage right now is going up because of this. I want to report this because I am being made to pay for something that is not my damage and they have not once listen to what I have had to say. This needs to get off my credit and not ruin what I have worked so hard for my entire life.

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 2021-05-28 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: PA

Complaint narrative:
Good afternoon, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identity theft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: Knight Adjustment Bureau
State: UT

Complaint narrative:
Knight Adjustment Bureau is reporting a debt on my credit file that I do not owe. I recently took a look at my credit and noticed this debt was reporting on my credit file. I immediately called and settled this debt as soon as I knew about it. I however, never received a 30 day right to dispute notice from Knight Adjustment. This is a violation under the FDCPA and the FCRA and it must be removed on that basis. I am aware that Knight Adjustment can report to the bureaus as they deem necessary since they are the furnisher. This account has been paid and I ask that they provide me with a deletion letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
A credit inquiry was done on XX/XX/2021 by XXXX XXXX XXXX XXXX XXXX XXXX. I didn't ask for any inquiry to be done. 

I left a voicemail at XXXX XXXX at number listed, I gave them my name and said stop doing credit inquiries. Their recording says not to ask for a call back. 

I've put a security freeze on all 3 credit bureaus, and notified XXXX XXXX  Fraud Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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 held my money in my paypal account within 108 days, may you help my problem I will cooperate to speed up the process. I can't contact them i tried and i just received a email that i no longer to used my paypal account and they need to held my money in 108 days

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello, XXXX XXXX is reporting me and my husband as late and delinquent in payment. XXXX and the credit report agencies have been give notice that the services they sold us were under fraudulent terms and they could not report it on our credit by XXXX XXXX XXXX since XXXX. 

The amount is {$12.00}, XXXX on XX/XX/XXXX and filed the legal forms in 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 2021-05-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, XXXX XXXX is reporting me and my husband as late and delinquent in payment. XXXX and the credit report agencies have been give notice that the services they sold us were under fraudulent terms and they could not report it on our credit by XXXX XXXX XXXX since XXXX. 

The amount is {$12.00}, XXXX on XX/XX/XXXX and filed the legal forms in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/21 my card was used to take out {$400.00} at a casino in XXXX, Colorado as well as used for another charge. Wells Fargo had declined a claim submitted stating that someone close to me or I had authorized this charge when that is completely false. I did not ever authorize these charges. After escalating for 2 weeks and never receiving a call back from their Executive Office, i called and they said a letter detailing what information was used in determining their decision was being mailed to me. This Executive Office did nothing to help the situation. I am now out {$450.00} dollars due to their incompetence to conduct a proper investigation.

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 2021-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Revco Management, LLC
State: NC

Complaint narrative:
I received a bill from a new bill collector that I have been paying on thru the " original '' bill collector for the last several years. I have emailed them and told them that I was paying those bills thru PRC, and requested to know just what the deal was with this bill that I have been paying on for several years. I have been paying {$25.00} a month to the " original '' bill collector. I did not receive any acknowledgement of my e-mail, so I am going to send them a letter thru certified mail, detailing what I know about this situation. They are threatening me by what is said on the bill that in 30 days they will take out a judgement. Since they have not acknowledged my email, I am fearful, that I am going to be railroaded into a judgement even though I am paying on these bills. I do not think it is fair that my credit is penalized twice. If I am wrong, I have asked them to let me know just what the situation is. I have informed them through my letter that I am filing a complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Good afternoon, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identity theft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved.

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 2021-05-28 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 — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

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 2021-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed a dispute in regards to the incorrect items on my my credit report. It has been well over 30 days and I have not received any investigation reports. This creditor has reported a late payment XX/XX/XXXX to my report which is incorrect and I am asking this be deleted immediately. 

XXXX late payment XX/XX/XXXX XXXX XXXX late payment XX/XX/XXXX 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 2021-05-28 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: TX

Complaint narrative:
I filed a dispute in regards to the incorrect items on my my credit report. It has been well over 30 days and I have not received any investigation reports. This creditor has reported a late payment XX/XX/XXXX to my report which is incorrect and I am asking this be deleted immediately. 

XXXX late payment XX/XX/XXXX XXXX XXXX late payment XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MS SERVICES LLC
State: CA

Complaint narrative:
MS Services// XXXX XXXX XXXX XXXX payment confirmation # XXXX I paid my account in full and the collection company is not willing to delete my account from the bureaus. Other companies either delete after paying in full or have claimed the same that they do not delete but do in fact delete when a CFPB complaint is filed. its not right to the consumers who faithfully pay there debt in full hoping to clear their bad credit history in order to regain their life back. And the average person doesnt even know about the CFPB. So they stay stuck with the bad history. Its just not right for companies like these to not delete just because they choose not too. And we wonder why there is so much poverty and homelessness in the community. Something needs to change ... ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian & XXXX  fail to delete fraud auto loans from my credit report even though I have submitted and identity theft Affidavit, police report, and my ID which is completely different from the one used to secure these loans my driver license number doesnt even match they still have refused to remove the inaccuracies and have sided with the auto loan company to which both are clearly violations of my rights as a victim of identity theft! On top of that XXXX  is apart of the reason my data has been compromised as I was one of the victims of there companies major XX/XX/2017 data breach and they still fail to help me resolve my identity theft issues which may have been from the affects of that breach. I have submitted multiple disputes all same results with credit companies.

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 2021-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Macys has {$300.00} on my credit report. I never received a notification about this payment until I look at the my credit report. This is a identity theft.

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 2021-05-28 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: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
I had an account with Robinhood, and i was having some business difficulties in paying some bills so i applied for the PPP Loan. 

i successfully passed all the process and was approved of the loan. i got the deposit in my Robinhood account. Going forward i tried to order some goods overseas with some of the amount i got from the PPP loan to help boost my buisness and suddenly Robinhood restricted my account from withdrawal.

Its been going to 3 weeks now with lots of complaint made and also submitting all requested documents and identification methods asked by the Robinhood support system, only to be sent a mail today that my account will be permanently closed and money returned to the originator. Funds i will be liable to pay back, that i have already started using. This whole while i submitted every single document asked of me to verify my account and also make sure i sort this out. 

But they have decided to close my account in a fishy manner and return my already Approved loan which i have used more than 40 % already. I see this as an unfair move to make life miserable for small business owner like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
hello, I have my check account with the capital one bank, my son is added to the account ( join account ) They frozen his personal account and which he is fighting for the bank to open it back again. because he is on my account they also frozen mine too. My account where I receive my social security check and pay my personal utilities. the bank is committing an injustice in times of pandemic. where the little money I receive has been kidnapped. Someone has to take action on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF THE WEST
State: CA

Complaint narrative:
XXXX XXXX Bank of the West payment confirmation # XXXX I paid my account in full and the collection company is not willing to delete my account from the bureaus. Other companies either delete after paying in full or have claimed the same that they do not delete but do in fact delete when a CFPB complaint is filed. its not right to the consumers who faithfully pay there debt in full hoping to clear their bad credit history in order to regain their life back. And the average person doesnt even know about the CFPB. So they stay stuck with the bad history. Its just not right for companies like these to not delete just because they choose not too. And we wonder why there is so much poverty and homelessness in the community. Something needs to change ... ... ....

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 2021-05-28 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: Atlanticus Services Corporation
State: MA

Complaint narrative:
Dear XXXX/FORTIVA/ cfpb ; XXXX XXXX XXXXn , ****see attachments**** I need you to start a new investigation regarding the account listed below : I disputed this account with the credit bureaus 30 days ago, and they stated that you verified the accounts. Im confused, how did you verify this account when Its accurate? I know that all furnishers must have procedures in place to report accurately to the credit bureaus. I would like to see a copy of the procedures that your company have in place to make sure that they comply with the law and that the account listed above is reporting accurately.

These incomplete and inaccurate items are causing harm to my credit score and I need it fixed ASAP. 

Please fix this situation and get back with me within 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: MA

Complaint narrative:
Dear XXXX cfpb ; XXXX XXXX  ; transunion , ****see attachments**** I need you to start a new investigation regarding the account listed below : I disputed this account with the credit bureaus 30 days ago, and they stated that you verified the accounts. Im confused, how did you verify this account when Its accurate? I know that all furnishers must have procedures in place to report accurately to the credit bureaus. I would like to see a copy of the procedures that your company have in place to make sure that they comply with the law and that the account listed above is reporting accurately. These incomplete and inaccurate items are causing harm to my credit score and I need it fixed ASAP.
Please fix this situation and get back with me within 30 days.

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 2021-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I Am a PROTECTED CONSUMER. I know my rights. I sent this company a official statement letting them know that I was a victim of identity theft. there were to remove these fraudulent items 4 days after receiving my statement on XX/XX/2021, but these items are still on my credit report. I feel violated and there are FCRA LAWS in place to protect me against this abuse .I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. DO NOT USE THIS STALL TACTIC " This complaint lists someone the company does not recognize as their customer or their customers authorized representative. '' If you try to use this stall tactic, then I will use it as evidence in litigation.

Company response to consumer: Closed with explanation