vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-13 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: John C. Heath, Attorney at Law, PLLC
State: CA

Complaint narrative:
I have applied in the past for a payday loan to help with planning my wedding for next year. The advertising is VERY misleading to a consumer and the ad on the internet tells a consumer about someone can get a payday loan and that there is no impact on hit on his/her credit report score. I have had numerous calls getting my hopes up for a payday loan to repay them back over time that they ask me as to why I need a loan and and the purpose of the loan and they tell me that a firm could help me with getting my credit score up like the firm of Lexington Law when I tried to get a small loan and I was transfered to a person from a loan company to Lexington Law to sell me their services as well like a Third Party. The loan company I believe did not explain any TRUTH AND LENDING BUSINESS and any of the Fair Business Pratices. I do believe the short term payday loan services receive Money from other agencies " Kickbacks '' that i believe that both companies about that an individual tells them no like Lexington Law that Lexington law tells the customer that they can pull a person 's credit and challenge the validity of business that a a consumer applies for a credit card that they offer ways based on the laws to help repair someone's credit for what they say that they can deliver for over {$100.00} a month in which they take out their fee every month and they say it would help to get a consumer credit score up within 4-6 months and that a consumer can look at his/her credit report and all it tells the consumer that it tell that there has been a letter from Lexington law that these has " Just An Inquiring '' from Lexington.Law. This to me is very false and deceiving customers to pay a fee in for fixing their credit and Lexington Law I think is breaking " The Truth Lending Law and that they probably sell some of their business to another firm or these scammers or robocallers. This to me is Unfair Business Practice and False Advertising by a loan company and by Lexington Law as well and not doing anything about their customers credit report to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi, I have something listed on my account named XXXX. However, Ive never had an account with these people. I reached out to the number listed and they said they can not give me access to account details because I am not the owner of the account. Makes no sense if its on my credit report in my name but I can access. I tried to dispute as fraud but I can not because they wont even send me any documentation to dispute. Ive been a victim of identity theft since 2007 please remove as I was never contacted and have no knowledge of this account and why its on my report. I attached my fraud alert and the account listed.

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 2020-12-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: FL

Complaint narrative:
To Whom this May Concern and Can Take Corrective Action : I believe SquareUp.com ( Square Capital? ) may be making changes to their customers ' account with customer notification in order to generate additional fees or show growth in services under management. 
Approximately 60 days ago, Square changed my business account balance transfer policy from automated daily, to transfer manually as requested. This change generates added fees. My staff did not make this request, and when Square was contacted, they claimed not to have made the change. It was a computer mystery. 

Today ( XX/XX/20 ) I received the following unsolicited email from Square : Hello ________________ ( purposely blank ) We received your Square Card order. Your card should arrive at the shipping address you provided within 10 days. 

_____________________ ( purposely blank ) We will send a confirmation email when your card ships. 

Thanks, The Square Team I did not request a debit card from square, nor did my wife, who is the only other person with admin credentials on the account.

When Square was notified about the error, they stated that only I could have requested a debit card. I asked for IP address from which the request was made. Square declined. Red Flag.

I believe Square may be knowingly making changes to client accounts and initiating additional services in an effort show company growth, to the detriment of their clients. 

Please investigate further, and contact me directly for additional details.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently filed a report with XXXX, Transunion, and XXXX  of inaccurate items being reported on my credit reports. XXXX  and Transunion removed the above mentioned item once an FTC Report and documents to verify my identity were sent. XXXX  did not. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

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 2020-12-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently filed a report with Experian, XXXX, and XXXX  of inaccurate items being reported on my credit reports. Experian and XXXX removed the above mentioned item once an FTC Report and documents to verify my identity were sent. XXXX did not. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

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 2020-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hi, I have something listed on my account named XXXX. However, Ive never had an account with these people. I reached out to the number listed and they said they can not give me access to account details because I am not the owner of the account. Makes no sense if its on my credit report in my name but I can access. I tried to dispute as fraud but I can not because they wont even send me any documentation to dispute. Ive been a victim of identity theft since 2007 please remove as I was never contacted and have no knowledge of this account and why its on my report. I attached my fraud alert and the account listed.

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 2020-12-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: MA

Complaint narrative:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't XXXX  sued by Cfpb before for not applying payments to consumers accounts correctly?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
This involves more than one amount through navient. They have reported my accounts as delinquent on my credit report during the cares act. This has drastically dropped my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 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: FL

Complaint narrative:
This involves more than one amount through XXXX. They have reported my accounts as delinquent on my credit report during the cares act. This has drastically dropped my credit score.

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 2020-12-13 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I actually have two problems here and you just keep giving me the runaround because whats going to happen is youre going to send a response back to the CFPB stating that youll respond to me directly but you dont I mean sometimes I get a form letter from you but I dont actually get any answers you keep saying that you need information you need me to prove that I may do you have access to my credit report but I have sent you copies of my drivers license my Social Security card utility bills and numerous other documents on numerous different occasions I mean weve been doing this for a year now and you keep giving me the runaround I think you all the information and you keep denying me access to my credit report is there a reason Im beginning to think your actions are unlawful at this point and when. I was able to see my report and I was able to get a copy of it this was quite a while ago but you wouldnt let me file a dispute online and Ive asked multiple times why you will not let me dispute something online and you have chosen not to answer that question what Im gon na keep asking the exact same question and keep filing a complaint every time you dont answer the question. All of this really sets off some red flags about the integrity of the credit reporting agency and exactly whos in charge The next concern is it about an account that has just shown up here out of the blue again the XXXX XXXX account it shows a balance of {$16000.00} about six months ago I had four accounts that showed up from XXXX bank on my XXXX XXXX report I looked into them and realize somebody had been using my information identity theft I contacted the bank they agreed with me and closed all four accounts and remove them from my credit report now all the sudden out of the blue the XXXX account shows back up with no apparent reason I check my other two credit reports its not on either one of those its just yours Company that is reporting it again throws up some red flags exactly whats going on there youre not keeping my report accurate thats your job legally that is your job to correct mistakes

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Fair Financial Corp.
State: CA

Complaint narrative:
XXXX the XXXX 2020 XXXX XXXX I was going in to get coffee and gas as I was turning right on XXXX XXXX this guy you're on my side on the left lane with a phone in his hand hit my XXXX when the police was coming he got out of my lane and ran into with the right lane and I kept my vehicle where was that officer XXXX XXXX I was not allowed either tell my side of the story you told me not to go home and purchase insurance I told him that I least this car from fair Corporation a lady policeman it was with him you told her to go inside and talk to the witness the written is was never outside at all I went with my chest hurt me for 6 weeks took me 4 months to get my car back from the shop when I get my car back XXXX XXXX XXXX call me told me I owe {$9000.00} after paying {$5500.00} to rental services case number XXXX taking the police to court XXXX XXXX and guy to court I am willing to take a lie detector test

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
This is a old debt Past Statue of Limitation! Purchased by a 3rd party for pennies on the dollar. Does NOT state Original debt DATE or the Original Debt Company. I don NOT owe this. Will NOT pay for a old debt that is way past Statue of Limitation. These tactics are NOT legal, as they are filling at a Court House that is PAST STATUE OF LIMITATION!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
I had lawyers that were supposed to have been representing me file that the information was wrong and proved it was and you REFUSE to take it off. IT IS NOT ACCURATE as they say I paid XXXX XXXX and XXXX which I did not and they have CLLSED this account 3 times. I HAVE ASKED for original date of default and I haven't gotten it. This account is being fraudulent and reporting false information and I want it removed. This is not right and I am NOT given a valid reason as to WHY nothing is ever done when if you look at my account and I sent pictures I clearly is being reported everything I have said and proven and yet you still say that information is valid and you do nothing. This account is over 8 yrs old it has been charged off and closed more than 3 times but continues to hurt my credit. I have had lawyers and I have tried on my own. I'm not going to stop fighting this because what you are doing is wrong and violating my rights. I have more than proven there is false information on my account to have it removed as it should be when things are wrong and I've asked to have them removed. This debt is over 8 years old had i bankrupted it wouldn't even be on my account anymore. Yet this company is allowed to falsely say I paid in months I didnt and say I was current and then close account in the same month, then report back the next month I am late when the account has been closed and reopened going on 3 times. All this time lowering my credit scores and hurting my credit, because they are allowed to keep a closed account active saying payments were made when they weren't to turn around and say after that I was late again and hurt my credit. I am not going to stop fighting this, this is wrong and the agencies are discriminating against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hi viewed my business profile and a fraudulent account listed on business credit report. Ive already disputed with the company. Originally it was on my personal credit file under time payment systems ... I proved fraud it was removed. Then it popped back up under another creditor which I again had removed and provided police report. Now this company has added the fraud to my business credit file. I have no knowledge of this company also I have never asked for business credit by any company ever. I also have a freeze on my credit file since XXXX please remove. This is getting frustrating my identity was stolen back In XXXX and my name and ssn is still being used to this day. Please help me. 

I tried to find on my personal credit report when this company was listed but my monitoring service doesnt go back that far to provide image when the debt was removed however, I have written notes which states XX/XX/XXXX time payment systems removed due to fraud. Maybe you can see the removal on your end still. Please help, Thank you.

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 2020-12-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Mortgage refinance application submitted to lender. 
Letter from lender dated XX/XX/2020 'Notice of Action Taken Counteroffer ' states " unable to offer you credit on the terms or in the amount you requested ''. Included in this letter was a statement that my credit score was XXXX, created on XX/XX/2020. " Scores range from a low of 390 to a high of 839 ''. 
This letter referenced a counteroffer which was verbally discussed with bank management. The terms of the counteroffer were refused. 
A letter was sent dated XX/XX/2020 requesting Statement of Specific Reasons ; no response received. My telephone records indicate that bank management contacted me in early XX/XX/2020 to discuss this letter at which time I reminded them that a response was due by XX/XX/2020. 
Various documents are attached

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 2020-12-13 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: Early Warning Services, LLC
State: UT

Complaint narrative:
XXXX XXXX sent some updated letters after resolving fraudulent balances in my name. I am needing a updated copy of my EWS consumer report mailed to me to see if my report has been properly updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Hi, a month ago I contacted you all about the company PayPal and I got their response and believe me when I say Im so frustrated at this point I dont know if its worth living. I told them Im in school and Im helping out taking care of my family and they bluntly ignored everything I said. They have wrongfully withheld my money from me and with no proper reasoning. I read their responses and they said I didnt turn in the proper documents when I clearly did and then they lied and said I did it under someone else name names XXXX XXXX. I have no idea who that is or where they got that from and how could I alternate a bank statement that makes no sense. Im beyond frustrated Im to point where Im just really really depressed. I cant stop crying right now because I have done nothing wrong but open an account with the trust that PayPal will be a good fit for me and that I can trust them with my money. I wasnt offered no appeal, no real explanation till their response, and even then Im not offered no real solution. I cant wait till the end of XXXX to receive my money why dont they understand that theres people like me who need that money. Its not fair for them to keep it away from us. As I just learned Im not the only person going through this it just makes me more depressed. I dont think I can deal with this anymore Im having XXXX XXXX left and right just thinking about what am I going to do next, how am I going to help my family, where is my next funding coming from, and how am I going to get through school. This is just a lot for me to handle. I seriously need your help because at this point they dont care about me or my family. They are being completely bullies and acting like this okay. Its NOT OKAY! YOU ARE MAKING PEOPLES LIVES HARDER AND DIFFICULT!!!! Isnt it already bad enough the corona virus is here and no one can really work no one can really support their family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-13 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: National Credit Systems,Inc.
State: WA

Complaint narrative:
I was released from this lease agreement and my roommate XXXX XXXX was responsible for anything that occurred after I was removed. Please contact XXXX XXXX to verify info and see roommate release form that i signed releasing me of any liability related to this rental account/agreement. I even called the property this week to verify and they said it should not show up as my responsibility or account because I was released beforehand and that once I disputed it you would call them and they would verify that it isn't mine. Which means you did not reach out to them to verify accuracy and are negligently furnishing incorrect data to the credit reporting agencies.

Company response to consumer: Closed with explanation