vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-12 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: AZ

Complaint narrative:
After being struck by another driver that ran a red light on XX/XX/2019, our financed vehicle was deemed undrivable and towed to an impound lot. 
The other party in the accident was at fault, but her insurance company took a long time to accept the claim ( finally accepting responsibility and agreeing to pay off our auto loan, plus additional  compensation on XX/XX/2019 ). 
Meanwhile our car sat in an impound lot and the towing company, seeking to be paid, attempted to file a lien on the vehicle without contacting us. 
XXXX XXXX XXXX, with whom we have a $ XXXX loan on the vehicle and to whom we have continued to make payments timely and in full, received notice of the lien. They then determined that the damaged vehicle was worthless, and declared it abandoned and placed our loan in charge off status again without contacting us. 
Until XX/XX/2019, we had no knowledge of the attempted lien or negative credit reporting. If we had known, we would have simply paid the towing company and/or XXXX XXXX XXXX and sought recovery through insurance once the claim was accepted. 
We spoke with XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2019 and were informed that once they receive payment from the insurance company they will contact the credit reporting agencies to have that charge off removed from our record. Although they acknowledged the credit reporting needed to be corrected and that we have always paid in full on time ( the loan was never delinquent and is not currently in charge-off condition ), they will make no effort to correct this until they have been paid in full. We offered to pay in full to speed up the correction process, but they advised us to allow the insurance company to complete the payoff process that is already underway. 
Unfortunately, we are currently in the process of obtaining a mortgage ( primary residence ) and this negative and erroneous credit reporting could interfere in our ability to obtain that financing. 
We respectfully request your assistance in encouraging ( if not enforcing ) prompt and accurate credit reporting by XXXX XXXX XXXX in this matter. If this is not remedied swiftly, it could have significant implications for our personal financial situation that are unjust and unwarranted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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: AZ

Complaint narrative:
After being struck by another driver that ran a red light on XX/XX/2019, our financed vehicle was deemed undrivable and towed to an impound lot. 
The other party in the accident was at fault, but her insurance company took a long time to accept the claim ( finally accepting responsibility and agreeing to pay off our auto loan, plus additional compensation on XX/XX/2019 ). 
Meanwhile our car sat in an impound lot and the towing company, seeking to be paid, attempted to file a lien on the vehicle without contacting us. 
XXXX XXXX XXXX, with whom we have a $ XXXX loan on the vehicle and to whom we have continued to make payments timely and in full, received notice of the lien. They then determined that the damaged vehicle was worthless, and declared it abandoned and placed our loan in charge off status again without contacting us. 
Until XX/XX/2019, we had no knowledge of the attempted lien or negative credit reporting. If we had known, we would have simply paid the towing company and/or XXXX XXXX XXXX and sought recovery through insurance once the claim was accepted. 
We spoke with XXXX XXXX XXXX ( XXXX ) on XX/XX/2019 and were informed that once they receive payment from the insurance company they will contact the credit reporting agencies to have that charge off removed from our record. Although they acknowledged the credit reporting needed to be corrected and that we have always paid in full on time ( the loan was never delinquent and is not currently in charge-off condition ), they will make no effort to correct this until they have been paid in full. We offered to pay in full to speed up the correction process, but they advised us to allow the insurance company to complete the payoff process that is already underway. 
Unfortunately, we are currently in the process of obtaining a mortgage ( primary residence ) and this negative and erroneous credit reporting could interfere in our ability to obtain that financing. 
We respectfully request your assistance in encouraging ( if not enforcing ) prompt and accurate credit reporting by XXXX XXXX XXXX in this matter. If this is not remedied swiftly, it could have significant implications for our personal financial situation that are unjust and unwarranted.

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 2019-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
When my loan was first created I had to contact them about information that didnt add up. Mainly my APR rate. My loan paperwork that originally signed gave me a rate of 11.9 however after having it calculated numerous times it is actually at 12.34 percent. What made me catch in to this is that when I bought the from XXXX XXXX  XXXX they lied about my credit score to help boost my APR in the first place. When I called them to try to straighten the issue out, they kept asking me if I wanted them to pick up the vehicle that the loan was for. I explained that I have made all my payments and I would like my issue fixed. There idea of a resolution was to take my car and default on the loan. This happened one month after receiving the loan, date was XX/XX/XXXX. They are also missing multiple payments in my statements for the first few mo tha of my payments to help them better cover up my actual interest rate. I have called and asked for all documentation at the same time of XX/XX/XXXX, which they refused to give me stating that it was all inside my account online. Which it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/2019 : Insufficient Fund Fees of {$34.00} XX/XX/2019 : Insufficient Fund Fee Of {$34.00} XX/XX/2019 : Insufficient Fund Fee of {$34.00} XX/XX/2019 : Insufficient Fund Fee Of {$34.00} I called Chase Bank To Resolve These Debits Of The Various {$34.00} Fees. All I was told was I'm Sorry, it is against our policy to remove these fees by the banker on the phone. I also talked with the manager on the phone and was told by the manager that there was nothing he could do, and the insufficient fund fees remained. I was told I needed to keep an eye on my statements in the future, and was treated very rudely. I told the Manager I received a small XXXX check as my only source of income, he rudely denied my request to remove and credit the four {$34.00} fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
A person claiming to have a ticket for an event I wanted to go to posted on my local university event page. 
I responded to the post, asking to buy one of the ticket. 
I was only slightly alarmed at how the scammer 's XXXX profile was empty except for a profile picture, but it was late at night ; I did not really mind it. 
The scammer bartered with me for a little bit and told me to pay them via Paypal. 
I was directed to send money to the paypal account linked to XXXX under the name of XXXX XXXX. 
After sending the money, I got suspicious. 
The scammer claimed to be checking the payment to ensure it went through, but the payment had already been claimed on paypal, so I could not retract my payment. 
Then, the scammer deleted their XXXX profile so that I could no longer message them. 
I then promptly called the local police on the non-emergency hotline to file a case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have a secured capital one card and it's a New account. I was required to pay {$49.00} deposit for {$200.00} credit limit, which I did pay {$50.00} in total and opened the account. Before i activated my card I deposited another additional {$200.00} deposit to capital one & this deposit was done XX/XX/XXXX and cleared my bank account XX/XX/2019 my deposit should have been available 7-10 business days from XX/XX/XXXX, it's now going on 4 weeks and I have been contacting capital since XX/XX/XXXX to see where my deposit is and I'm getting the run around and they're talking about they can't find my deposit. How can't you find a customer deposit? At This point as me being a customer it feels like I'm being rob of my money. I could of just just added it to my XXXX card account which is better. I gave capital one more then enough time to research what happened to my deposit they took and since XXXX still nothing it's almost mid XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: WA

Complaint narrative:
This Company, XXXX XXXX at XXXX has literally called my Phone Number hundreds of Times over the past year, 5 times just in past few days. They just recently asked per recorded message if I was a person I have never heard of & asked me to push a Number on my Phone, I did, indicating I am not that Person. This Company continues to leave Robo Calls. I owe no Debt!!!!! They need to Stop Immediately!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Very recently I discovered I was a victim of identity theft and from the advise given to me by the police I was advised to look over all debit card or credit card accounts and to promptly report and suspicious activity or charges. Since I've had PayPal I've had so many issues with overcharges, unauthorized charges, payment method not being recognized thus charging charges already paid by a different payment option and recently I reported a few charges and PayPal decided because of all the issues they felt the activity was questionable and decided to close/limit my account and I'm ok with that I was going to do it anyway but not before I received my money back from the suspicious charges I reported. I can't help per their own policy you should report ANY suspecious activity within 60 days I've done that and still they made this decision. I want my money and I'd be more then happy to close this account and just wash my hands of the entire thing. I don't want a PayPal cash card anymore and I just wish they were better ways to protect a client 's money but changing a password etc is only a bandaid in a much larger wound. I read reviews and court cases against and I finally can see I'm not alone this has happened to an abundance of past clients court cases against PayPal but I don't plan to go that route unless of course if I have to then I will report the truth accordingly. 
Thank you and please fix this ASAP. 
Thank you and have a blessed day

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
XXXX has sold a debt of {$770.00} to SW CREDIT SYSTEMS L.P. 
XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX The debt or bill is not accurate. 
I have reached out to XXXX for a breakdown of the debt or bill but they said they don't have the breakdown in their system. I disputed it on my credit report, it was removed and they have put it back again. 
I went to one of their branches and also called their customer service line for the breakdown of the bill but as I said they told me they don't have the breakdown. How can I own you if you don't know what the bill entails? 
I want XXXX to desist from selling this debt or bill to these collecting agencies if they can't provide me with details of the bill. Also I want it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: MA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX, Convergent Outsourcing , Inc. a collection company, began to report a collection account to my XXXX and my XXXX reports, claiming to have a debt that belonged to me from XXXX for a cable bill in the amount of {$560.00} that I allegedly owed from XX/XX/XXXX. On XX/XX/XXXX, I sent a letter to Convergent Outsourcing , Inc., asking them for proof of the debt and asking for the proper documentation that actually validates the debt. In response, they only sent an itemized list of charges, but they did not give me a signed contract or any other documentation that properly validates the date. On XX/XX/XXXX, I sent another letter to Convergent Outsourcing , Inc., again  asking for proper proof and validation of the debt that they said that I owed. I also asked that they remove the debt from any of my credit reports ( namely XXXX and XXXX ). Again, they sent the exact same letter with the same information as the 1st letter. I also disputed this information with XXXX and XXXX during XX/XX/XXXX through XX/XX/XXXX, and both credit bureaus reported the collection account with Convergent Outsourcing , Inc. as verified, but I was never given information about how the debt was verified from either Convergent Outsourcing, Inc. or from either bureau, even though I asked. During XX/XX/XXXX, I also sent a letter to Convergent Outsourcing in which I offered to make a lump sum payment of a specific amount ( without acknowledging that the debt belonged to me ), if in return, this information would immediately be deleted from my reports, However, they have not responded to me at this time, and I am no longer willing to consider paying anything to Convergent. I am asking is that Convergent Outsourcing either properly verifies the debt or immediately remove this information from my credit reports. A copy of the response letter that was sent to me from Convergent Outsourcing will be attached. A copy of the last two response letters that were sent to me from both XXXX and XXXX will be 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 2019-04-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: ENOVA INTERNATIONAL, INC.
State: MI

Complaint narrative:
I applied for the loan for the 1st time on XX/XX/2019 for an emergency dental appointment. I applied online for {$100.00}.

On XX/XX/19, there was a message saying that I need to provide more information. I signed the application for the second time. Still on hold.

This morning I logged into my account and it is still processing. 
I had successfully repaid my loan last week without difficulty.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: MA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5.  Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation