vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Due to tort and wrongful interference PayPal who is run by the XXXX. So this complaint is about PayPal and their bank by the name of XXXX has mysteriously decided to close my account with no good reason. I am using my debit card from XXXX XXXX law enforcement force under California 's Attorney General XXXX XXXX and gangs alike can all track/trace my accounts equally~~~~ all I did was buy a drawing and they all act like pigs and bigots! 

Of course PayPal has no excuse for their XXXX XXXX XXXX it's very easy to verify who I am and I'm always having to verify who I am 999 million times! Thats the excuse from the financial system it's called targeting by people who can not be in tech or police! 

This is just pure financial, harassment, discrimination and bigotry by people who should not be able to track and trace XXXX XXXX is a disgrace and so is law-enforcement and neighbors in California!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 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: CA

Complaint narrative:
My Creditors negligence ( XXXX ) led to a late payment, and then they decided to ruin my credit : In or around XX/XX/2018, I had 2 credit cards with XXXX and had only been actively using 1 of them. I was logging into their website that consolidates XXXX accounts, making multiple payments per month and checking my balance frequently because I used my credit card heavily. 

On or around XX/XX/2018, my credit monitoring agency sent me an alert referencing XXXX. I checked online, saw nothing unusual, and I then called XXXX who authenticated my identity, opened up my profile and told me that my account was in good standing and to ignore the alert. 

2 months later, I learned that the alert was due to a recurring charge posted to my inactive credit card I was not using, and that it was now 90 days past due. I called XXXX again and paid the {$90.00} amount. I also explained to them that when I called earlier they had specifically told me to ignore it, that there must be a mistake, and I was in good standing- when actually that information was incorrect ( they recorded this conversation ). I also stated that when I go online, the card in questions was not being shown on the web dashboard that showed my other credit card and mortgage. I then asked that they clear up their mistake- they rudely said no. 

Given that this was a business credit card, and given that XXXX never reported to the credit bureaus when I did pay this card on time, I was shocked when they made the decision to report it as 90 days late thus decidingly crushing my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-22 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: CA

Complaint narrative:
No money is involved. I was notified that my personal info may have been obtained in an unauthorized manner. Resolution was 1 free year of credit monitoring which expired and a second year was promised. When I tried to call and re-subscribe I met with no assistance, rather deflection and non response. I was told to call another number which I did on 3 or 4 different occasions holding for hours ( even when told waiting time would be less than an hour ) never to be connected. 

Today XXXX XXXX, 2019 I received notice from Equifax of cancellation of services and will not waste another moment attempting to extend services as I believe this was a hoax on their part all along. The cancellation notice gave the number XXXX. 

I repeatedly requested they call me and it never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient placed me into and Income Driven Repayment Plan ( IDR ) and kept me in an IDR payment plan without my consent or even an application. Also, according to my credit report, their website, and my account statements, there is a large disagreement on the outstanding balance which has the tendency to change by large amounts on any given month that are not consistent with my payments. Furthermore, the company is not putting any of my payment towards the principle of my unsubsidized loans, just interest. I was under the impression when I set up my auto-pay that I was entering into a standard repayment plan as I know that this is the most financially healthy option in the long run. The company is taking advantage of me and has placed me in a situation that is going to cost way more money. I have asked for a solution and explanations and I was told that someone would look over my account and I have heard nothing else. Why should I be expected to uphold my agreement, when Navient has not held theirs and has hurt me financially in the long run?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I had opened a saving acct on XX/XX/19 td bank @ XXXX XXXX XXXX XXXX branch. I specified to the banker who opened my acct please do not send me any atm card. Until I check my mobile banking I saw two unauthorized atm withdrawal, I contacted the bank directly and dispute a fraud claim. Few days later they denial my claim due to atm withdrawal was in my geography area. Spoke with the claim dept and they suggested to file a police report. Then refiled a new claim with police report number, few days later they denial my claim again due to no fraud occurred because the PIN number was entered correctly. I purposed ask the claim dept to speak to fraud dept to pull up the camera and they said they dont have fraud dept that I can speak to. Went to the bank few times and spoke with the bank employee regarding this matter and they couldnt help. Im very frustrated about this fraud occurred and bank couldnt take another action to investigate. I have been banking with this td for the past 8 years and never had any issue with them until last month I opened a new saving acct with them and suddenly found out the banker who opened my acct requested to send an atm card which I never asked for it. Then I filed a complaint with usps about mail stolen or loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX and Experian Show different Date and year of Last Active. XXXX Shows XX/XX/XXXX. and Experian Shows XX/XX/XXXX how is this possible? this is inaccurate and a violation of the FCRA and needs to be Deleted.

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 2019-02-22 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: SC

Complaint narrative:
I did a balance transfer to XXXX to pay off Capitol one.well they denied 1st transfer-Capitol one cause I had amount more than what I owed.so I used the card and done another balance transfer.this time Capitol one ran them both thru.so now my account is XXXX.i called at end XXXX n they said they are mailing check.few weeks went by and no check.called again at start of last week.they said check be here XXXX XXXX.well still no check XXXX XXXX.so called for 3rd time.said they had no information that they was supposed mail a check.twice they have flat out lied to me about mailing the money.so that being said they need to address the issue and now!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 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: Shellpoint Partners, LLC
State: TX

Complaint narrative:
On XX/XX/19 my mortgage company, XXXX XXXX, called me regarding a refinance offer that I qualified for. When I told the loan officer- XXXX XXXX , that I would like more information he said that he would put some scenarios together so that we can discuss further ideas. He never asked to run my credit or informed me that he would be conducting a credit inquiry as I would have declined that. On XX/XX/19 I get notified by my credit monitoring company that a hard inquiry has been made by XXXX XXXX XXXX. I contacted the loan officer and asked why the inquiry was made and he stated that I had approved the credit check, which is 100 % false. I requested his supervisors number- XXXX XXXX , left him a message to which he never called me back. I then called the loan officer again and requested upper management contact info and was given- XXXX XXXX XXXX When I called the direct line it was an incorrect number and when I asked the operator for Mr. XXXX XXXX 's number, I was told there is no such person working for the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
I sent a dispute letter to validate a debt Credence Resource Management , LLC on XX/XX/XXXX. I received a letter from the collection agency acknowleding they received my dispute dated XX/XX/XXXX. Then, I received a second letter from Credence Resource Management dated XX/XX/XXXX stating " The creditor verified that the charges on your account are valid.. '' I did not receive anything proving this debt is validated and that it is mine with this letter I received anything required by the Fair Debt Collection Practices Act from the collection agency. I am requesting that this debt be permanently deleted from both my XXXX and XXXX credit reports because the debt had not been validated and it has been 54 days since the debt validation. Long past the legal amount of time to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In attempting to access TransUnion credit report, TransUnion had me create an account and provide credit card information for presumed identity verification purposes ( appeared to be a part of account creation, no product description, recurring fee details, or indication that the card would be charged by TransUnion for any amount for any paid service ). 
Process of " creating a FREE a account '' is intentionally and purposefully designed to mislead users attempting to create an account to view possible credit monitoring products, access their credit report ( possible through both XXXX  and XXXX  account creation processes and websites ). 

As a victim of the credit reporting agencies data breach, and subsequent victimization by identity theft as a direct result of said breach, it is both demeaning and insulting to then be victimized by a credit reporting agency while attempting to access my credit report in order to rectify the financial and personal harm inflicted by the data breach. 

While I am relatively competent navigating complex sites in order to find the information I need in order to resolve an issue, the amount of difficulty I had with this incident is alarming in that the number of consumers affected by these deceptive practices ( which exist despite multiple adverse CFPB actions for similar practices within the past year ) who are vulnerable consumers, elderly, or unable to readily access a personal computer, landline telephone, or unable to lose pay in order to counteract the deceptive practices of TransUnion. 

TransUnion reference # XXXX ( account closed, refund for amount $ XXXX  subsequent to bringing up CFPB complaint process ). 
Federal Trade Commission Identify Theft Report # : XXXX Regards, XXXX 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 2019-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Quality Asset Recovery LLC
State: NJ

Complaint narrative:
For over 25 months I have aggressively tried to get validation of this debt through the collection agency : Quality Assest Recovery ... through certified letters to this company asking for validation. 
I have also disputed this negative account through each credit bureau for a continuous 2 years that I have notice this account on my report in 2017. 
I have reported that I never received any initial notice indicating that I owe a debt to this collection agency to the credit bureaus in my disputes and it was ignored. 
This account consistently was verified by XXXX and XXXX disregarding my concerns about my lack of ability to obtain information about this debt Quality Asset Recover says I owe. 

XXXX and XXXX feedback was simply stated that they will no longer re- investigate this particular account and that I need to contact the furnisher. 

After taking the advice of the credit bureau I made the call to Quality Asset Recovery, with the purpose to validate the debt and found that I was blatantly ignored and was being pressured to discuss payment of the debt .... I simply refuse and demanded validation and ended the conversation that seem useless. 

After filing a CFPB complaint about the matter and violation of my rights to receive validation. 
Quality Asset Recovery sent a letter stating that my complaint was not accurate and that I initially call them to discuss payment and was willing to make a payment rather then get the validation Im entitled to. 

This collection agency practices are unfair and against the FDCPA guideline how to treat and conduct business. 

At this time I have yet to recieve validation of this debt that Quality Asset Recovery wants me to pay without knowing anything about the validity of this debt.

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 2019-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Kenneth E. Davidson, Attorney
State: CO

Complaint narrative:
On XX/XX/2019 I received the Motion Requesting Warrant to Issue and Additional Attorney Fees. I called the Attorneys office and was informed that there was a warrant issued for my arrest. I was further told that I needed to be careful driving as I would be arrested. She claimed that they could squash the warrant if I paid the full amount due immediately or came to her office and filled out some papers. I asked what the debt was and she said it was for XXXX XXXX from an auto accident. I requested to speak to the attorney and was told that he would not speak with me as that is what she is there for. I explained to her that I had full coverage auto and was not the at fault party so I had  assumed the medical bills had been paid. She said that it was out of her hands and I had to pay the {$2400.00} immediately or deal with the consequences of the warrant for failure to appear at the court date ( that I was never served papers for ) I called the court and spoke with a clerk who informed me that a warrant was not issued for my arrest and that there was a review scheduled on XX/XX/2019. I have never been served papers in regards to this case as the assistant at XXXX XXXX office is claiming. Upon questioning everyone in my home my Step Daughter admitted that a few weeks back a gentleman had come to the house with court papers. She said that she had informed him that she was not me to which he demanded to see her license. She told him she did not have one and he threw the papers at her hitting her in the face with them as he yelled " you have been served, pay your bills '' She picked them up and threw them in the trash. She is only XXXX years old and she was very upset about being treated this way. Unfortunately, she did not say anything to me about it because she was afraid she would be grounded because she cursed the man out for hitting her. I also called XXXX ( my auto insurance company at the time of the accident ) they said all of the medical bills submitted by the company claiming the debt were paid. They also informed me that there was still time to submit those bills and that the XXXX  should have done so but if they give me verification of the bills they will cover them if I submit them. This debt collection practice is not only irresponsible and illegal it is inhumane. Now that my step daughter has spoken out about the assault her mother is filing a report and hopefully the process server will be charged with assault on a child.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 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: OH

Complaint narrative:
This is a follow up on my complaint : # XXXX. I had complained against Experian. They have asked for proof of incarceration so I am here to provide that. I was XXXX  from XX/XX/XXXX for 13 months, and didn't get out until 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 2019-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
per investigation received XX/XX/18 by XXXX on a XXXX XXXX XXXXdebt illegally obtained through identity theft means. again I had been going through domestic financial abuses from the alleged perp. I obtained multiple XXXX XXXX. could not obtain permanent one on bases of cyber intrusion. I had reported multiple times to XXXX. originally I had made attempts to rectify the debt. at one point XXXX XXXX had offered half the debt. I value my credit and put into consideration. since I hadn't any proofs of whom attempted identity theft. once I contacted back the company had disbanded. no longer was I able to contact. I again repeated attempts once an black market predatory collection agency persued this debt. I believe the perp I kept seeking remedies to stay out of my life maliciously reinvented this black market sale in attempts at hurting me. I contacted once again XXXX identity. thery did more investigative measures anf while my credit bureas reports show no balance under te original creditor XXXX, XXXX and a zero pay status and zero collections.no amounts shown under XXXX XXXX the black market XXXX XXXX the debt buyer SHOWS A BALANCE STILL.IN ALL CREDIT BUREAS. I WAS A VICTIM OF FRAUD IDENTITY THEFT DOMESTIC FINANCIAL ABUSES. I AM SEEKING POSSIBLE REMEDIES IN THE FUTURE ON THST CASE. HOWEVER, THESE DEBT COLLECTIONS, WHILE XXXX HAS DONE AS BEST AS THEY COULD, IT ADDS UNTRUTHFUL CREDIT DEBT ANALYSIS. I AM TRYING TO REGAIN MY LOSSES FOR THESE CRIMES. IT HINDERS MY CHANCE TO HOME PURCHASES AND A MODEST FAIR ONE AT THAT. I ASK FOR THE REMOVAL OF BOTH XXXX XXXX CREDITOR AND XXXX XXXX XXXX  COLLECTOR TO BE REMOVED FROM ALL BUREAUS. XXXX  HAS DONE MUCH INVESTIGATIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 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: FL

Complaint narrative:
Once again theyre removing and resubmitting inaccuracies on my credit report. I have submitted those documents to the credit bureaus along with documentation from the bankruptcy court and police department and still nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 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: FL

Complaint narrative:
Once again theyre removing and resubmitting inaccuracies on my credit report. I have submitted those documents to the credit bureaus along with documentation from the bankruptcy court and police department and still nothing has been done.

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