vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-05 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: CA

Complaint narrative:
I recently conducted a review of my credit report, and I noticed that your agency showed ten ( 10 ) credit inquiries that I find problematic. 

XXXX made the first inquiry in question on XX/XX/2018, XX/XX/2018, and XX/XX/2018, and I have no recollection of doing any business with XXXX. 

I contacted XXXX and asked them to act to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would follow my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, to make sure this gets done. 

XXXX XXXX made the second inquiry in question on XX/XX/2018, and XX/XX/2018, and I have no recollection of doing any business with XXXX XXXX 

XXXX made the third inquiry in question on XX/XX/2018, and XX/XX/2018, and I have no recollection of doing any business with XXXX. 

XXXX XXXX made the fourth inquiry in question on XX/XX/2018, and I have no recollection of doing any business with XXXX XXXX. 

The fifth inquiry in question was made by XXXX on XX/XX/2018, and I have no recollection of doing any business with XXXX. 

XXXX XXXX made the sixth inquiry in question on XX/XX/XXXX, and I have no recollection of doing any business with by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 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: NY

Complaint narrative:
The information reporting on equifax is not my accounts. Ive tried numerous times disputing these accounts. I hope you can assist me in resolving the issues with my report at equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX I was requested to make a PayPal transfer of {$1000.00} for a deposit on an apartment. As soon as I submitted I was contacted by PayPal via text about a suspicious transaction and did I want to authorize the transaction. At that moment I realized I was being scammed so I replied NO! do not authorize the payment. They asked again and I replied no. I have the text records of this. I asked them to call me but when I did not ereceive a call back I called PayPal and explained that I was being scammed and to not disburse the funds.Their agent said the funds had not left yet and that he would take care of it. I also put a stop payment order on the transaction with my bank. This morning I checked with XXXX and the transaction had posted. XXXX has begun a dispute with PayPal on my behalf.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I first received a written notice from XXXX XXXX XXXX in XX/XX/2019, so I immediately contacted them and asked them about this account. They confirmed they were sending notices to an incorrect old address in a different city and I advised them of my New Address. On the phone they collector was extremely irritated and rude, and kept making reference to " legal action '' and being " sent to an attorney '' - I felt like they were jumping the gun here as I had never been given a proper notice allowing me to dispute this debt or resolve it prescribed by the FDCPA. I then receive a pre legal notice making more legal threats against me, so I called them again on XX/XX/2019 to attempt to resolve this. Again I was met with legal threats every other sentence. I felt like they were trying to intimidate me to the point of paying significantly more than what I truly owe on this account. They also kept stating that they have not added on any " fees '' after, but this is an extremely misleading statement. They are not even allowed to add on any more fees since the account has been charged off, so no interest or late fees are supposed to accumulate anyways. They are deceitful and misleading. I attempted to settle with them for a reasonable amount of {$2000.00}, and even raised my offer to {$2500.00} but was met with more legal threats and I frankly had to terminate the call before I began to say thing I might regret, that's how condescending this person was.

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 2019-04-05 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: AES/PHEAA
State: OR

Complaint narrative:
I am working towards loan forgiveness through the Public Service Loan Forgiveness program. I should be credited with making approximately 98 " qualifying payments. '' Fedloan is crediting me with 23 " qualifying payments. '' Fedloan will not explain their analysis, nor will they even make someone generally available to answer my questions. They will also not give me access to my records that they have ( or claim to have ) from other loan servicers, including XXXX XXXX XXXX. 

Additionally, part of the discrepancy is that lump sump payments were made on my behalf through the Department of Justice 's XXXX XXXX XXXX XXXX. There were 7 of these lump sums payments, putting me in " paid ahead '' status for 31 months. Fedloan is not counting these as on time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I have 3 accounts that only show as medical NA and have the amount needed to pay if I owe it, I contact XXXX and they told me that they did not have enough information to dispute the transaction. they advised I needed to go to every facility where I have received medical treatment in the past and see if the amounts they had were the correct amount to get the original lender. I went and none of the amount submitted are the ones thath are needed here. I contacted XXXX again and they are not assisting me. I also have a dispute for progressive they indicate thath I owe an amount for a car thath I did not have. I told them I could submit a bill of sale indicating the car had been sold and they said that is not going to help. I also called and told them that I had sold the vehicle to cancel the policy and they never did.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Genesis Credit Management, LLC
State: WA

Complaint narrative:
1. I didn't receive proper notification in the mail before this reported on my credit.

2. This false debt has been sold to 3 or 4 other debt collectors, none of them could validate the debt, so they sold it to someone else.

3. When this reported on my credit, I disputed it and requested verification. The company " verified '' the information to the credit bureaus, but their validation to me lacked the proper information to prove this is a legitimate debt, owed by me.

4. The name on the paperwork does NOT match my name or any name I've ever used in the past. It says, " XXXX XXXX '' - My name is XXXX XXXX, not XXXX. 

5. This company is using fraudulent methods to verify the debt, to report this on consumer credit reports and to keep it on the reports.

6. This company sent me a blank sheet of paper as a validation in the past, they did not meet the 30 day requirement to validate the debt, then a few days later, they sent me paperwork with someone else 's name on it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 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: PR

Complaint narrative:
On XX/XX/XXXX I sent a certificate letter to Experian regarding the dispute results XXXX.In that results Experian indicate that the US Bankruptcy XXXX and XXXX listed on my credit reports belong to me because they obtained the information through a third party vendor XXXX. In my certified letter sent ( XXXX ) I provided to Experian two letters sent by XXXX indicating that even XXXX and XXXX were removed from my XXXX report since XXXX. Despite those letters they do not want to eliminate those accounts from my credit report attached letter from XXXX XXXX part of a previous complain opened # 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 2019-04-05 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: CA

Complaint narrative:
I recently conducted a review of my credit report, and I noticed that your agency showed four ( 4 ) credit inquiries that I find problematic. 
XXXX XXXX XXXX made the first inquiry in question on XX/XX/XXXX, and I have no recollection of doing any business with XXXX XXXX XXXX. 

I contacted XXXX XXXX XXXX and asked them to act to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would follow my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, to make sure this gets done. 

The second inquiry in question was made by XXXX/XXXX XXXX on XX/XX/XXXX, and I have no recollection of doing any business with XXXX/XXXX XXXX   XXXX/XXXX  made the third inquiry in question on XX/XX/XXXX, and XX/XX/XXXX, and I have no recollection of doing any business with 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 2019-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
I received notice dated XX/XX/2019 from Ally Bank, XXXX XXXX XXXX, XXXX XXXX XXXX, stating that I was declined for a new vehicle loan. The notice stated that my XXXX score was XXXX and my XXXX XXXX score was a XXXX. The notice also showed that two different measuring matrix 's were used to determine score. Since credit scores are compared, I believe this is a deliberate attempt to obtain higher interest rates from consumers. Most consumers are not aware of XXXX XXXX or their measuring system which automatically lowers credit scores. I believe Alley Bank is knowingly committing defamation of character and defrauding it's customers by using 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 2019-04-05 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: CAC Financial Corp
State: OK

Complaint narrative:
Full payment was sent to vendor check cleared my back I need it to drop off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: OH

Complaint narrative:
Sw credit sys, XXXX XXXX XXXX suite XXXX, XXXX tx XXXX, XXXX XXXX XXXX XXXX Contacted them to obtain information from a XXXX bill back in XXXX. They cant give me an itemized bill for what I owe. They keep bouncing me around to multiple people with no resolution I also contacted XXXX, XXXX. XXXX XXXX, XXXX Florida XXXX, XXXX about an att wireline from XXXX he refused to discuss or disclose just said they will mail it out and told me have a nice day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX payments for {$420.00} each cleared my bank account but never posted to my loan. I contacted Santander several times to assist me with this issue. I submitted copies of my bank statement at least 3 times but was told due to me blacking out other transactions that had nothing to do with this loan they were unable to use that document. I submitted once again an untouched statement for proof of payment. They state that they ran a search and they are unable to locate the payments referenced and there is nothing they can do. My credit report is hindered by this account and i am needing this to be updated and corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently conducted a review of my credit report, and I noticed that your agency showed four ( 4 ) credit inquiries that I find problematic. 
XXXX made the first inquiry in question on XX/XX/2019, and I have no recollection of doing any business with XXXX. 

I contacted XXXX and asked them to act to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would follow my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, to make sure this gets done. 

The second inquiry in question was made by XXXX  XXXX XXXX XXXX, on XX/XX/2019, and I have no recollection of doing any business with XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX made the third inquiry in question on XX/XX/2019, and I have no recollection of doing any business with XXXX XXXX XXXX. 

XXXX made the fourth inquiry in question on XX/XX/2019, and I have no recollection of doing any business with 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 2019-04-05 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: R & B Corporation of Virginia
State: VA

Complaint narrative:
In dealing with XXXX XXXX XXXX regarding a debt of {$270.00}. I have communicated via US mail 4 times since XX/XX/2019. In which case I have repeatedly asked for information verifying the debt. The company does not respond and are now reporting as a collection/chargeoff which is damaging my cresit. Under FCRA they are falsely reportung and redusing to provide verification of the debt. 45 days lapsed between each letter with no response. Im tired of sending letters asking for verification since legally they have to respond within 30 days AND THEY HAVE NOT and still are reporting fraudulantly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. The following inquiries are unauthorized : XXXX  XXXX XXXX XX/XX/2019, XXXX XXXX XX/XX/2019, XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XX/XX/2019 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 2019-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I sent the following letter on XX/XX/XXXX. On XX/XX/XXXX, I received a response that Capital One could not respond in writing. WHY NOT? I was assigned a case # of XXXX by Capital One in this letter where no questions were anwered. I would like this escalated and for someone from Capital One to actually answer these questions. 

Capital One ATTN : General Correspondence XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear Credit Card Officer : I have repeatedly called your customer service number, and no agent can answer these simple questions. I have a secured credit card with CapitalOne ending in XXXX. My Social Security # for reference is XXXX. 
1 ) A credit line increase was apparently automatically approved after six months of having this secured credit card around XXXX/XX/XX/XXXX. Does another credit line increase automatically come? If so, when? I have applied for credit limit increases and they continue to be denied. 
2 ) How long do I have to have this secured card before it becomes a regular credit card? Does that automatically happen or do I apply for regular credit cards through Capital One and then when I finally get approved for a regular credit card it gets converted? CapitalOne has a deposit of mine from when I first opened this secured card, and I would love to get that deposit returned to me or applied to this card balance, and have the card converted to a regular card. How do we make this happen? 
I would love to discuss these questions with someone who can actually answer these questions, or get a written response with the answers in full. I appreciate having this secured card for over a year, but the lack of ability of your customer service agents to answers these questions has left me frustrated and writing this letter. I can be reached at the above address and phone number. I await your response. 

Very truly yours, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
Today we noticed a charge on our XXXX XXXX  XXXX checking account dated XX/XX/19 to Paypal Inst Xfer Web for {$24.00} with no further explanation. I have contacted Paypal where for an additional charge of {$42.00} they said they may be able to help!! 
We do not have a Paypal account and have refused all their efforts to open one. For online purchases we use XXXX and Visa only. 
How did Paypal get our check account number? 
This is a fraudulent charge which we have not authorized and dont even know what its for. 
Please help us reverse the charge and stop it happening again. 
Thanks, XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-05 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: Financial Accounts Service Team Inc.
State: TN

Complaint narrative:
Early XX/XX/2019 I received a collection letter from XXXX XXXX XXXX ( aka Financial Accounts Services Team ), located at XXXX XXXX XXXX, XXXX TN XXXX stating that I owe a debt of {$200.00} to them for a check that was written to XXXX. I disputed the debt and asked FAST to provide verification that this is a legit debt they are attempting to collect. This debt was paid in full to a previous collection company that had the debt prior to XXXX XXXX XXXX. 

I communicated with XXXX that the debt they are attempting to collect is not accurate and that it was previously paid to the collection agency that had the debt prior to them. They have have since placed this collection on my credit report. 

Please assist with getting this inaccurate collection removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
Complaint Type : Customer Service Issues Description of Complaint : I made a transfer online from discover bank account from my XXXX XXXX account to go into my checking account. XX/XX/2019. The bank claims I got a credit, but then they reversed it out on XX/XX/2019. I spoke with 10 people made over 10 calls about this. In the last week i called three times at least and gave a manager and maybe two or three other people to assist me as well. I took up a lot of my time. The bank now says I owe the money because the XXXX XXXX put the money back in my account. It is beyond the point already when I gave a manager an additional time to help me as I had already spoken to them more than one time. I am now unable to call the bank about this matter and have already told them. I banked with the bank for almost 10 years I am at the point that I do not want to continue banking with them. The managers and bank told me, " It looks like this to me. '' That I didn't get the money because they gave me a credit. I let the bank know I would report them to XXXX and maybe go to small claims court because I had called more than enough times and was not getting assistance on my account. I am saddened to have to report this to XXXX but I feel very dissatisfied with the amount of calls and fully making them aware of the situation more than one time. 

( they reversed it out on XX/XX/2019 ) Had I known that I was not going to get assistance from XXXX XXXX on XXXX XXXX I would have asked for someone else to take the issue. 
As of today the issue is still unresolved so I am going to have to make a complaint somewhere else because I am not able to get the service I need when I have made major efforts to make time and call and communicate with the bank. The bank has accused me of stealing money and saying, " It looks that way to me, and I spent it. ", instead of listening to what I '' m saying and being willing to assist me.

Company response to consumer: Closed with explanation