vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
A debt validation was sent to MIDLAND FUNDING as it reads on my credit report on XXXX, requesting documents to validate the debt in question in the amount of XXXX within a reasonable amount of time of 14 days. MIDLAND FUNDING LLC responses a month later with a document with two different names on it, MIDLAND CREDIT MANAGEMENT ( ALL CAPITAL LETTERS XXXX FOR THE HEADER, AND MIDLAND FUNDING LLC on the back of the document stating that there investigation on this matter could take up to 90 days. After this a complaint was filed with the CFPB showing that there document that was sent to me stated on the back that the account was charged off XXXX from the original alleged creditor XXXX XXXX XXXX XXXX XXXX, which was paid off from the very first day that my wet ink signature was given to them, without full disclosure provided to me on the real terms of the loan. so anything after this could not constitute a contract between me and MIDLAND FUNDING LLC. Recently MIDLAND FUNDING LLC responded to CFPB on XXXX stating that they were working on the dispute. In the meantime this debt has been removed from all three credit bureaus, and i have not received any CREDIT REPORTING REMOVAL documentation from them. It should not take 30, 60, 90, or 120 days to either send the proper documentation to validate the debt, or send the proper documentation to discharge this debt. you already have all documentation that is needed from certified mail and the previous dispute that is still open, so nothing will be uploaded in this complaint/.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Scammers used my identity information applied for a personal loan online on XX/XX/2020, {$10000.00} in Wells Fargo. Account No :  XXXX Scammers stole my identity information due to house purchase payment, scammers not only scammed money but also fraud online loan application.

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 2020-10-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I XXXX XXXX am a victim of identity theft and need the following removed off my credit. 

XXXX XXXX XXXX XXXX XX/XX/2020 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 2020-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lyons, Doughty & Veldhuis, PC
State: NJ

Complaint narrative:
The matter being brought up by Lyons, Dougherty, and Veldhuis was dropped from going to court over 2-years ago. Out of nowhere, this company, on behalf of XXXX XXXX, has brought it back up stating that they are suing me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I have an account with PayPal in which i was having my Georgia unemployment benefits deposited into. I have zero fraudulent activity and zero chargeback history on the account, the account is only used to receive my funds each week and then i would transfer them to a Prepaid Paypal mastercard account to access them. 
Well, on or about the month of XXXX of the year 2020, Paypal placed a limitation on my account and requested that i verify my identity by providing a bank statement from the prepaid card i was sending my money into. I did just that and paypal proceeded to lock my account and tell me that they would be holding my funds for 180 days. 
From what i understand, this is done to prevent chargeback losses to the company, however, as i have said i do not have any fraudulent activity or bad transactions on my account. I feel like i have been taken advantage of and i demand access to my money. 

My name is XXXX XXXX and any help with this matter would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 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: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I am requesting the deletion of Transworld Systems, who is reporting for XXXX XXXX XXXX, from my XXXX Credit Report in the amount of {$4700.00}. I have disputed this account several times to no avail. They continue to report it as accurate even though I have sent proof of my identity, which included a copy of my social security card so they could compare the numbers and they still say it's accurate and it is NOT. Reporting inaccurate information to someone's credit report is a clear violation of the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MST Financial Services, L.L.C.
State: WA

Complaint narrative:
I went to the hospital on a work related incident, I XXXX and slipped off the ladder at work. I got sent to the hospital. Once i got to the hospital i got an ekg, because I have a XXXX XXXX I was told at the hospital the my insurances covered my Bill 's, which I had state and XXXX insurance. I didnt get a bill or anything from XXXX insurance which is XXXX or from state. I recently reinstated my insurance from the state a month before. One day out of the blue I get calls from random numbers saying I owe money for a debt 4 years ago. I had no idea what they were talking about and didnt ask for my name, address, or anything that would confirm my identity. I asked them what they were talking about and said I had a XXXX XXXX 4 years ago, went to the hospital and now owe XXXX plus. I was upset. The hospital said I was fine, and that there was no need 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 2020-10-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I XXXX XXXX am a victim of identity theft and need the following fraudulent account removed. 

XXXX XXXX XXXX XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I XXXX XXXX am a victim of identity theft the following account is fraudulent. 

XXXX XXXX XX/XX/2020 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 2020-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I have been scammed and my identity being stolen, personal financial loss, and multiple fraudulent accounts created by scammers. My credit card being overcharged by scammers.

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 2020-10-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I called Santander trying to get my late morning payment off my account since I payed it already and havent heard nothing back at all

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
The company involved ( XXXX XXXX XXXX XXXX, CT ) pressured me into buying a used XXXX XXXX at XXXX miles. They explained that the car was like brand new and had no issues. Unfortunately, the car did not even last 3 1/2 months. I have always taken good care of used cars, but this case was different. They took no responsibility and were rude to me whenever I tried to bring the car for a checkup. They even tried to tell me to get out and to have " a nice day. '' I brought the car to them about 6-7 times in a 9-month time-frame. They never helped me at all even though I offered to pay. The final time I brought it, I brought in my XXXX XXXX XXXX XXXX to fix a broken XXXX and a XXXX XXXX leak. The day after they " fixed '' it, it completely failed and stopped working. They were rude to me and told me it was my fault and kicked me out. I was left with w broken car with {$7100.00} still due to the bank. They refused to help me and sent me away. I spoke to fellow customers who told me similar stories. As soon as you buy the car, they force you to do a survey for a free oil change where they make you sign a 5/5 star review on XXXX. This review should be more like a 1/5. Bad Customer service and very bad 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 2020-10-25 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
In XXXX i wrote Capital One a XXXX letter asking for forgiveness for missing a payment due to the Covid-19 Pandemic in exchange for never missing a payment again. 

I explained that i lost funds and lost of income due to the Covid-19 disaster, also that was going to need my payment history up to apply for a better credit card to prepare for a custody battle. 

It has been 6 Months an i kept my promise to never miss a payment again, Capital One is the only missed payment i have on my credit report. all i ask for is another chance to have my payment history back to XXXX percent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$6500.00} -This is not my 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 explanation
Consumer complaint received 2020-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Credit Card XXXX with XXXX XXXX  was said to have been under a 2 month billing cycle extension in which the minimum payment was set to {$0.00} for the months of XXXX and XX/XX/2020. Additionally this account which already had a minute balance was paid completely as attached herein on XXXX XX/XX/2020 It is reflecting as 60 days past due on credit I have taken every reasonable remedy to rectify with XXXX XXXX  inclusive of 22 calls, 6 letters including 3 additional certified. Multiple correspondences to their executive relationships team even requesting legal and arbitration in accordance with the their terms of agreement and have yet to be provided such.

They use what they classify as a confidential shared op to communicate in relation to customer accounts and advised while they did offer the same arrangements my account appears to have multiple inaccuracies and is confusing that is not my issue. They further state the employees were provided a coaching and training as my account was handled wrong though it is accurate. It is absolutely not accurate and this has caused me significant setbacks and become way more of a hassle for a {$200.00} balance than ever needed to be for either one of us. I was a customer for 8 years never 30 days late didnt start now Additionally you shared 4 different customers personal information with me when attempting to communicate and I had to advise your executives in your own office of such there was no apology no ownership no nothing but I kept those XXXX XXXX as well and will be sharing them online and in support of my own defense to show a routine pattern of oversights. This is so disappointing because prior to such time I had good experiences with XXXX XXXX. If a customer of 8 years can face such a messy situation I hate to know what other customers must be enduring

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 2020-10-25 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:
Credit Card XXXX with XXXX XXXX  was said to have been under a 2 month billing cycle extension in which the minimum payment was set to {$0.00} for the months of XXXX and XX/XX/2020. Additionally this account which already had a minute balance was paid completely as attached herein on XXXX XX/XX/2020 It is reflecting as 60 days past due on credit I have taken every reasonable remedy to rectify with XXXX XXXX  inclusive of 22 calls, 6 letters including 3 additional certified. Multiple correspondences to their executive relationships team even requesting legal and arbitration in accordance with the their terms of agreement and have yet to be provided such. 

They use what they classify as a confidential shared op to communicate in relation to customer accounts and advised while they did offer the same arrangements my account appears to have multiple inaccuracies and is confusing that is not my issue. They further state the employees were provided a coaching and training as my account was handled wrong though it is accurate. It is absolutely not accurate and this has caused me significant setbacks and become way more of a hassle for a {$200.00} balance than ever needed to be for either one of us. I was a customer for 8 years never 30 days late didnt start now Additionally you shared 4 different customers personal information with me when attempting to communicate and I had to advise your executives in your own office of such there was no apology no ownership no nothing but I kept those XXXX XXXX as well and will be sharing them online and in support of my own defense to show a routine pattern of oversights. This is so disappointing because prior to such time I had good experiences with XXXX XXXX. If a customer of 8 years can face such a messy situation I hate to know what other customers must be enduring

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 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: CA

Complaint narrative:
Credit Card XXXX with XXXX XXXX  was said to have been under a 2 month billing cycle extension in which the minimum payment was set to {$0.00} for the months of XXXX and XX/XX/2020. Additionally this account which already had a minute balance was paid completely as attached herein on XXXX XX/XX/2020 It is reflecting as 60 days past due on credit I have taken every reasonable remedy to rectify with XXXX XXXX  inclusive of 22 calls, 6 letters including 3 additional certified. Multiple correspondences to their executive relationships team even requesting legal and arbitration in accordance with the their terms of agreement and have yet to be provided such. 

They use what they classify as a confidential shared op to communicate in relation to customer accounts and advised while they did offer the same arrangements my account appears to have multiple inaccuracies and is confusing that is not my issue. They further state the employees were provided a coaching and training as my account was handled wrong though it is accurate. It is absolutely not accurate and this has caused me significant setbacks and become way more of a hassle for a {$200.00} balance than ever needed to be for either one of us. I was a customer for 8 years never 30 days late didnt start now Additionally you shared 4 different customers personal information with me when attempting to communicate and I had to advise your executives in your own office of such there was no apology no ownership no nothing but I kept those XXXX XXXX as well and will be sharing them online and in support of my own defense to show a routine pattern of oversights. This is so disappointing because prior to such time I had good experiences with XXXX XXXX. If a customer of 8 years can face such a messy situation I hate to know what other customers must be enduring

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 2020-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
A final judgement for Dissolution of Marriage between XXXX XXXX XXXX and XXXX XXXX XXXX was issued on XX/XX/2012 in Case Number - XXXX XXXX. Please visit XXXX XXXX XXXX for a copy of the court document. 

The XXXX XXXX XXXX in the amount of {$150000.00} and JCMCB Home Lending in the amount of {$28000.00} are outstanding debts related to the marital home. Per the final judgement, the marital home was awarded and deeded to XXXX XXXX XXXX AND is 100 % financially responsible for all of the mortgage payments, insurance, taxes, and all associated debts related to the marital home. She was also ordered to remove my name from all mortgages and financial obligations related to the marital home by XXXX XXXX XXXX  OR put the marital home up for sale. 
According to Florida law, the Mortgage Note and the Warranty Deed are ( 2 ) separate legal instruments, independent of each other. I believe XXXX XXXX XXXX and JCMCB Home Lending, the lenders, breached Florida contract laws implied covenant of good faith and fair dealing by modifying a mortgage contract without mi signature and still hold me financially responsible. 

I hereby dispute both accounts as she has modified both loans in her name as single and unmarried AND it is still reporting on my credit as XXXX XXXX is currently in contempt of court for failing to remove me from the mortgages or dispose of the property in a timely manner. Both lenders, having knowledge of the final judgement based on the loan modification, are still reporting on my credit profile which is a direct violation of the Fair Credit Reporting Act in my opinion. The Banks knew the terms of the final judgement and modified the loans instead of refinancing them. The banks had the opportunity to refinance or let her assume the mortgages based on the same terms of the modification since it is based on her income and credit as well. As per the court order she is 100 % financially responsible for the debts related to the marital home. A copy of the Deed to the property and proof of the loan modification can be found at the website listed below. XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$6500.00} -This is not my account.

Company response to consumer: Closed with explanation