vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-09 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
IN REGARDS TO : XXXX XXXX XXXX XXXX  XXXX XXXX MN XXXX Investigation of an inaccurate item The account your company is reporting to the credit bureau is troubling. Because of this, Im requesting information about your procedures put in place to verify this charge-off account. I would like to see a detailed repossession deficiency transaction sale on this account. In addition, please show me the date that you claim that this account was charged - off. 
Im tracking all documents. 
I WILL BE SENDING ALL LETTERS TO MY ATTORNEY FOR REVIEW TO SEE IF ANY FURTHER VIOLATIONS HAVE OCCURED. 
I KNOW YOUR COMPANY VERIFIED THE ABOVE ACCOUNT AS ACCURATE. SEND ME ALL OF THE INFORMATION YOU USED TO VERIFY THE ABOVE ACCOUNT SO MY ATTORNEY AND I CAN REVIEW IT FOR ANY VIOLATIONS. 

PLEASE SEND ASAP, AS 15 DAYS SHOULD BE ENOUGH TIME. 

I AND MY ATTORNEY AWAIT YOUR RESPONSE. 

THE ITEM IS NOT REPORTING 100 % ACCURATELY THE TERMS HAVE BEEN CHANGED FROM NO TERMS TO 72M TERMS. THE MONTH 'S RECEIVED HAVE BEEN ALTERED FROM 1 MONTH TO 2 MONTH 'S RECEIVED. THE BALANCE AMOUNT OF {$9600.00} AMOUNT PAST DUE {$9600.00} AND CHARGE-OFF AMOUNT {$9600.00}. THE NEW BALANCE AMOUNT IS {$9600.00} AND THE NEW PAST DUE IS HAS BEEN CHANGED TO {$9600.00} AND THE NEW CHARGE-OFF BALANCE WAS ALTERED TO $ XXXXAS WELL. THE ACTUAL PAYMENT AMOUNT WENT {$0.00} AND THE SCHEDULED PAYMENT AMOUNT WENT FROM {$0.00}. THE ACTUAL PAYMENT AMOUNT IS MISSING AS WELL AS THE SCHEDULED PAYMENT AMOUNT IS MISSING WHICH ONCE UPON TIME WAS {$0.00}. THE ACCOUNT HISTORY WITH STATUS CODES ARE INCORRECTLY REPORTING XX/XX/XXXX 30 DAY LATE, XX/XX/XXXX 60 DAY LATE, XX/XX/XXXX 60 DAY LATE, XX/XX/XXXX 90 DAYS LATE. AS THIS INFORMATION HAS BEEN ALTERED REAGED XX/XX/XXXX 30 DAY LATE, XX/XX/XXXX 60 DAY LATE, XX/XX/XXXX 60 DAY LATE, XX/XX/XXXX 90 DAY LATE, XX/XX/XXXX CHARGE-OFF STATUS. THIS BY FAR INVESTIGATION AND REVIEW WITH MY ATTORNEY HAS TRULY DISTURBED ME. THE HISTORICAL ACCOUNT INFORMATION EQUIFAX HAS REPORTING EVEN IS FRAUDULENTLY DECEIVING POTENTIAL LENDERS. 
Why did you do this? Do you know that you have just violated the FCRA, which carries a fine of {$1000.00} for each violation? Im sure your company wont be happy that your it has now opened themselves up to liability for such a small debt. Now, I will give you opportunity to fix this and make it all go away if you do the following : 1. Remove this illegal reporting from my credit report within 15 days from the moment you receive this complaint. 


If you choose to ignore my request, and keep the negative information on my report, I will continue to do the following : 1. File a complaint with the FTC. 
2. File a complaint with the attorney generals office.

3. File a complaint with the Better Business Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I was paying Santander for my car payments because they are the company that does the financial payments for my loan. My car was repo sometime in XXXX. I was callings to get some information on my account from Santander & I just found out yesterday that all my payments since 2014 has all gone to high-interest loans to car, basically I paid {$17000.00} on high interest rate only, & the only thing that went to my car within these pass years is the {$1000.00} down payment & nothing else. To clarified this since 2014 I payed {$18000.00} to Santander & only {$1000.00} went towards my car & the rest just went on fees which is unfair that they took {$17000.00} almost {$20000.00} on loan fees to their company which is a rip off. That Amount is not including that Santander told me that I still owe {$13000.00} Towards the car & they sold the car for {$3400.00}. I have reach out to the company so they can sub total the interest rate in writing & the only thing they wanted to sub-total is how much the car was worth & how much I still owe. They did not want to sub-total the loan fee they wanted to just send me a confusing transcript almost like a bank statement so it can be confusing to who ever reads it & they told me to calculate my own, but they can tell me over the phone that they charged me the {$17000.00} on loan fees. I research fraud on this company & I found many of the same complain in different states. One of the many complaints which shows the state of Massachusetts Santander to pay $ XXXX to settle subprime auto-loan case XXXX XXXX   XXXX I just spoke to someone from the attorney general office in the state Fl, which told me this office can help me. 
My contact information is ( XXXX ) or email me at XXXX Thank you for youre time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 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: IL

Complaint narrative:
XX/XX/2018 {$10.00} Sent a certified letter to dispute to Experian. 
XX/XX/2018 {$10.00} Sent a certified letter to dispute to Experian.

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 2019-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
After submitting proof to Equifax and XXXX they both continue to report a public record that has been suppressed by their public records vendor ....

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
I opened a XXXX account in XX/XX/XXXX or XX/XX/XXXX. I used it on a number of occasions with my current cell number. Never had any issues. A friend was buying one of my designer purses & I told her to just XXXX me the money when she got paid which was this past Fri. ( XX/XX/XXXX ). By Saturday ( XX/XX/XXXX ) I still hadnt received the payment but it said it processed on her end! I called my bank & they couldnt help stating that my XXXX /bank acct wasnt the issue but my mobile # was inactive. We thought it could be because I received a new debit card & XXXX didnt have it! I tried loggin into my XXXX acct the same day with no luck! I then called XXXX on the XX/XX/XXXX & explained I had a new debit card, couldnt access my XXXX acct & my money my friend sent the day before is missing! The gentleman typed in my number only to find out its registred to a XXXX XXXX  account! Which Ive never even had a XXXX XXXX  acct. I than called XXXX XXXX hoping they could help me & all they did was take down my info & told me my friend who sent the funds had to call her bank account! Which she did ( same day XX/XX/XXXX ) & they contacted her today ( XX/XX/XXXX ) & told her they dont know if they can give her back the funds as theyve been pulled! I called XXXX back today myself & told them this has been my cell number for over 13 years & the changes to my XXXX account & connecting them to this so called XXXX XXXX acct are all fraudulent! I told them Id give them my cell phone bill info as well as my bill & probe the owner to this account never had such a bank acct & to please close this person down as what there doing is illegal! They refuse to help! Im lost as I do not work & I believe this is being done by an exfriend who has done other malicious things to me out of spite & jealousy! Is there anyway to help?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: TX

Complaint narrative:
This company has threatened me and placed fraudulent collection on my credit report.

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 2019-01-09 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 have asked Experian to provide the Method of Verification on several items on my credit report. They keep sending me emails saying that the items have been verified however have failed to comply and are in violation of FCRA 611 ( a ) which provides that a consumer may request a description of the procedure used to determine accuracy and completeness of the information ... '' They have had more than enough time as I have sent letters on XX/XX/18, XX/XX/18 & XX/XX/18 and continue to receive the same computer generated letter. I demand that the following items be removed from my credit report : XXXXXXXX XXXX XXXX XXXX UNVERIFIED ACCOUNT XXXX XXXX XXXX UNVERIFIED ACCOUNT XXXXXXXX XXXX XXXX   XXXX UNVERIFIED ACCOUNT XXXX/XXXX XXXX UNVERIFIED ACCOUNT XXXX/XXXX XXXX UNVERIFIED ACCOUNT XXXX.XXXX XXXX UNVERIFIED ACCOUNT XXXX/XXXX XXXX UNVERIFIED ACCOUNT XXXX XXXX XXXXXXXX XXXX XXXX UNVERIFIED ACCOUNT XXXX XXXX XXXX UNVERIFIED ACCOUNT XXXX XXXX XXXX UNVERIFIED ACCOUNT XXXX XXXX XXXX UNVERIFIED ACCOUNT XXXX XXXX UNVERIFIED ACCOUNT XXXX/XXXX XXXX   XXXX UNVERIFIED ACCOUNT

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 2019-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Hello, I recently was a victim of a chargeback fraud and have received little help from Paypal so far. I have asked multiple times for managers to review my case with no success. I only receive generic responses that are continuously copy and pasted back. I would like someone to review the case. 

I was sent money through friends and family option on Paypal on XX/XX/2018. There were initially 12 transactions total. There were never any goods or services provided. The other person initiated cases within Paypal stating the initial 12 cases were unauthorized. I provided evidence that they were indeed authorized and they meant to send the money with screenshots matching up with the transactions. Paypal ruled in my favor in all of the cases. Roughly 2 weeks later the user repoened the cases again, but with their bank and again stated they were unauthorized. Their bank ultimately came back and ruled in their favor without asking for evidence from myself or even contacting me. 

There were 7 total transactions that were funded with their bank and were allowed to use chargeback on within Paypal. There was evidence submitted to Paypal when they initially ended the cases in my favor showing proof the other person sent the odd and often similar amounts on purpose. They were not accidental. 

Paypal charged my account {$20.00} per chargeback ( 7 total for {$140.00} combined ) and also charged me when the second set of cases were opened a sales fee which they charge for goods transactions. I have repeatedly asked for answers from their support team with no success. They only charge a fee for goods sold transactions which we did not use. These were simply a transfer of money through their friends and family option. 


So in a quick review, I was sent money through Paypal friends and family option with no fees included since there were no goods or services provided. Paypal ended all cases in my favor after receiving the evidence I provided. The other person reopened the cases with their bank and Paypal charged me {$20.00} per chargeback and also added a transaction fee of their own as if goods or services were provided in the transaction. I was the victim of chargeback fraud and even though Paypal sided in my favor on all of the 12 initial cases, they charged me with fees totaling over {$140.00}, took away all the money from those transactions and also will not allow me to take out money from legitimate sales on XXXX where I paid my seller fees accordingly. They are allowing fraud to happen on their site and then charging the people taken advantage of the fees involved. 

Thank you for your time and help, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After submitting proof to XXXX  and Experian they both continue to report a public record that has been suppressed by their public records vendor ....

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 2019-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I have a Mortgage Loan on my PRIMARY RESIDENCE. It is XXXX XXXX. It was initially serviced by XXXX  XXXX XXXX, then NationStar and now by Mr.Cooper ( Mortgage Statement Attached ). I had applied for a HAMP Loan Modification in XX/XX/XXXX. Successively, both XXXX and NationStar messed up my Loan Mod files and even missed accounting for 1 Trial Period payment. 

Be that as it may, now I am trying to refinance the Loan and pay Mr.Cooper off. I am attaching the Loan Commitment Letter for my Refinance ( as also the Pay Off Letter from the Attorneys of Mr.Cooper ) and am about to close and Pay off Mr.Cooper. I  sent the same to Mr.Cooper and their Attorneys also and am in the process of clearing some Title Issues with the new Lender. 

However, the property is scheduled to be auctioned on XX/XX/XXXX - in 8 days time. It is my Primary home and I do not want to lose it. 

To give me enough breathing time, I have requested both Mr.Cooper and their Attorneys to postpone the sale till the month end at least but both of them are very adamant and not agreeing to postpone the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/19 I added a XXXX XXXX to my PayPal account and set it as my method of payment. I paid {$100.00} for an invoice through PayPal and they took an unauthorized payment for {$100.00} from my checking account and {$100.00} from the XXXX XXXX I have on file. I essentially lost {$100.00}. I sent an e-mail to PayPal asking for an explanation and to get a refund. The first e-mail was an auto-e-mail with no useful info. The 2nd e-mail stated that I have to call the toll free number and speak to a rep. I e-mailed them back stating that it is difficult to communicate with them via phone because of long hold times. I tried calling and was unable to speak to anyone after a couple attempts and 40 minutes of hold music. I have had issues with PayPal previous for unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On XX/XX/XXXX I purchased an XXXX XXXX ticket through XXXX listing. As part of the XXXX purchase, a Citibank credit card application was offered with a promise of a {$250.00} credit to be realized on the new card. In order to receive the fare I wanted, I had to make the purchase immediately, which I did on another credit card - as I, clearly, did not hav the Citibank card in hand at the time. 
My approval with card number arrived today - XX/XX/XXXX. 

There is no credit of any kind indicated. When I called XXXX, the representative said, the offer was for FUTURE XXXX XXXX purchases that I would make in the next 12 months. I have no intention of buying another XXXX ticket - or any other airline ticket this year. I asked to speak to the representative 's supervisor and received the same answer. They had no resolution process to refer me to. 

I believe this is misleading and false advertising. I never would have applied for this card had it not been for the carrot dangled in front of my face for the flight I was ticketing. 

Now, I stand to have a ding on my credit rating for no purpose at all. And, when I cancel the card - there goes another ding. 

Please advise as to my options here. 

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 2019-01-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: TX

Complaint narrative:
I have been in contact with the company since XX/XX/XXXX with multiple documents that they say are required to start the process to look into modification/assistance. I have faxed multiple times as well as emailed the documents on many occasions and receive calls and letters telling me that the documents I have sent aren't enough. I am now receiving letters and calls from investors and companies offering to buy my home. It is my understanding that they have 30 days to review my information to see if I am eligible for assistance. I paid them last month over 1400.00 and will be paying another XXXX on the XXXX but they appear to be lying to me just as XXXX XXXX did when they sold my loan to XXXX XXXX. I have know I have met the qualifications for the mortgage assistance but if they have already posted my home for foreclosure then they are stringing me along and intend to take my home without offering me a way to keep my home that won't stretch me beyond what I am able to pay.

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 2019-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Company identifying themselves as American Express is attempting to collecting on debt well past the statute in California. 

Number is XXXX ( everyone spoke with an accent, suspect the call was from XXXX, and the are using local relay lines ), and it attempting to collect on a card ( ending in XXXX ) that was discharged in XXXX. 

Number called me on XX/XX/XXXX. I called back on XX/XX/XXXX. I explained that this is time barred debt, and not to contact me any further regarding this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have on numerous occasions tried to have this debt removed off my credit reports from this company. It is showing that I have a total of 3 credit cards with all negative balances and maxed out how is that possible as previous stated I have been a victim of ID THEFT even with the internal revenue to the point I have a specialized pin I use to my federal income taxes. I can verify that I only opened one of the credit cards and I still have that one card in my possession ending in XXXX. Please see what can be done so that the company removes this information on my report because it is negatively impacting my character and credit history any assistance that you can provide will be greatly appreciated the account numbers that are in question are : # XXXX balance is also showing for XXXX and also XXXX now how can a company say I owe this many cards if the first one is defaulted why are they issuing more cards this information needs to be updated and removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 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: EQUIFAX, INC.
State: IL

Complaint narrative:
After sending information to verify myself with my disputes ( XX/XX/18 ), Equifax, XXXX, XXXX  have not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 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: IL

Complaint narrative:
After sending information to verify myself with my disputes ( XX/XX/18 ), XXXX, XXXX, Transunion have not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation.

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 2019-01-09 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: IL

Complaint narrative:
After sending information to verify myself with my disputes ( XX/XX/18 ), XXXX, Experian, XXXX  have not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation.

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