vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I am in receipt of Rent Recovery Solutions letter informing me that they are handling the collection of the account # XXXX for {$1300.00}. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Rent Recovery Solutions & me, legally listing you/your company as a person/company entitled to enforce a commercial claim against me. I mailed a letter demanding verification and validation. This was a demand for proof of contract to substantiate Rent Recovery Solutions claim. I legally demanded you/your company to provide me with a certified copy of an original contract, BEARING MY WET SIGNATURE, specifically naming the above company as a person entitled to enforce a commercial claim against me. My legally demanded requested information was ignored and Rent Recovery Solutions continues to report this fraudulent and unverifiable item on my XXXX, XXXX and XXXX reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX is only reporting when I spend the balance on the card and not when I pay off the balance. I paid off the balance 2 times and it never went on my report instead they just kept over reporting that I was spending close to the limit of the card repeatedly in the XXXX of XXXX. As a result they removed XXXX points off of my good credit score. Just by rereporting what they already reported in the course of 1 month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX Bank is only reporting when I spend the balance on the card and not when I pay off the balance. I paid off the balance 2 times and it never went on my report instead they just kept over reporting that I was spending close to the limit of the card repeatedly in the XXXX of XXXX. As a result they removed XXXX points off of my good credit score. Just by rereporting what they already reported in the course of 1 month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
In XX/XX/XXXX I noticed my business account was very low, o checked my transactions and say since XX/XX/XXXX XXXX, who I do not do business with, was withdrawing {$1000.00} per month adding up to over {$9000.00} I contacted the bank as a fraud claim. After 3 weeks I got a letter that they denied the claim. I contacted XXXX and got proof that it was fraud and resubmitted my claim now 20 plus days later with out the money The claim is under review and the bank said it may take up to XXXX to get an answer. 

I have bills that are not being paid because of the shortage on money in my account This is affecting my business and creating so much stress in my life I have been to the bank in person and they say they can not meet with me each time I go. I have very limited times that I can get to the bank because I am running a business by my self. 

Please help me to get the process moving a little faster. My business is suffering and I work too hard to not know if I am getting my money back Thank you 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 monetary relief
Consumer complaint received 2023-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
15 U.S.C 1681 section 602 A. : States that I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my permission in written instruction.

15 U.S.C 1692 C : Without the prior consent of the consumer given directly to the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 1681c. ( a ) ( 5 ) Section : States no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: FL

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and 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 2023-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
On Yesterday I was notified that a collection was put on my credit report from Commonwealth Financial. They said that I have a collection for {$1500.00} from 2017. Mind you I never have received anything from any creditor saying I ever had a balance. I called the orginal creditor XXXX XXXX XXXX and they dont show any balance in their sysytem for the amount of {$1500.00}. They only show a recent balance from last year that is not in collection and that has a payment plan set up for the amount of {$250.00} dollars, and they dont show any other account with a balance like this. I spoke to 3 different people and non of them saw a balance from 2017 of any balance owed. I have reached out the credit bureau and they have filed a fraud dispute and instructed me to notify the Federal Trade Commisson regarding ID theft. I will reach out to them once I am done with this report. This collection company is attempting to collect on fake debt that is not real nor is owed by me and I want this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.

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 2023-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: American Credit Acceptance, LLC
State: AL

Complaint narrative:
Date : XX/XX/XXXX Notice of Rescission American Credit Acceptance XXXX XXXX XXXX XXXX, TX XXXX Dear Sirs : On the XXXX day of XXXX, XXXX I signed a contract with XXXX XXXX XXXX to purchase a XXXX XXXX XXXX XXXX XXXX at the price of {$98000.00}. I wish to cancel that contract because The 12th Code of Regulations 226.4-Finance Charge states that the finance charge is the cost of consumer credit as a dollar amount. It does not include any charge of a type payable in a comparable cash transaction. Therefore youre in violation of Chapter 15 United States Code 1605 determination of finance charge, For Chapter 15 United States Code 1662b Advertising of down payments and installments, and For Chapter 15 United States Code 1611 for Criminally, Knowingly, and Willingly providing false information. Which means the contract is null and void. This is a defamation to my character. Truth and Lending Act Chapter 15 United States Code 1605 states that determination of finance charge defined except as otherwise provided in this section the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. So was I charged a down payment on a Consumer Credit Transaction? Chapter 15 United States Code 1662b states that a specified down payment isnt required in connection with any extension of consumer credit. The fact that these laws are public information and easy to access is the reason why you are in violation of Chapter 15 United States Code 1611. Therefore I exercise my rights to rescind this contract as per ALA. Code 35-8a-408. You have 20 days to give me my down payment of {$9600.00} and pick up this vehicle by the XXXX day of XXXX XXXX otherwise you MUST release the vehicle title to me and mark this account as paid in full for violating my right to rescind. 
You can contact me via phone or email at : ( XXXX ) XXXX, via mail at : XXXX XXXX XXXX XXXX, Tx XXXX, or by email at : XXXX. I look forward to your speedy resolution. 
Yours Truly, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
I have hired a debt consolidation legal firm XXXX XXXX XXXX to aid me in paying off my credit card debt. I was notified end of XXXX that Gurstel Law Firm was representing XXXX XXXXXXXX for the unpaid cc balance. I forwarded the summons to XXXX. A few weeks later I was notified that Gurstel had obtain a judgement. I sent that document to XXXX. I also reached out to Gurstel to work out a payment plan- they advised me that NO ONE would talk to me because I was being represented by a legal firm. I called XXXX to help get this settled. XXXX called me and then advised me that Gurstel would not work with them because I owned that debt. I keep receiving notifications that Gurstel has received judgements increasing the amount owed each time and when I contact them to settle the debt- and demand someone assist me with my debt- they keep telling me no one will speak to me from there since i have a legal debt company representing me. Im afraid they are just going to empty my bank account one day and that alloted money wont be able to pay my monthly bills. I need help. I have been jerked around back and forth between the 2 companies since XXXX while continuingly making my monthly payments to XXXX. 
I can not get help from Gurstel and Gurstel wont speak with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
DOE XXXX is fraudulently reporting student loan accounts to my credit profile. DOE XXXX has been found guilty for deceptive and predatory practices, including reporting inaccurate account information to the XXXX major CRAs, XXXX, Equifax, and XXXX. There are several DOE XXXX accounts that MUST BE REMOVED from my credit profile immediately! My request to block is not being made in error ; nor is my request being made on the basis of misrepresented material facts by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me, as the consumer. 

FCRA LAW VIOLATION 15 U.S. Code 1681b and 15 U.S. Code 1681c-2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
I am writing to express my concern regarding the permanent limitation that has been imposed on my PayPal account. I strongly believe that this limitation was placed on my account due to a mistake or misunderstanding. I would like to emphasize that I have not violated any PayPal policies or engaged in any activities that warrant such a restriction. 

I kindly request that PayPal re-investigate my case thoroughly, taking into consideration the following points. Firstly, I have been an active PayPal user for several years without any previous issues or violations. This sudden limitation has come as a surprise to me, and I genuinely believe it to be an error. 

Secondly, I have always conducted my PayPal transactions in accordance with the terms and conditions outlined by PayPal. I have never been involved in any fraudulent or unauthorized activities, nor have I violated any policies regarding payments or account usage. 

In light of the above, I humbly request PayPal to re-evaluate my account and restore it, if possible. I kindly ask for your prompt attention to this matter, as it has caused significant inconvenience and disruption to my financial activities. 

For your reference, the email address associated with my PayPal account is XXXX. I would greatly appreciate any updates or clarification regarding the status of my account, as well as any steps I can take to assist in resolving this issue. 

Thank you for your understanding and anticipated cooperation. I trust that PayPal will conduct a fair investigation and come to a favorable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I am writing to express my deep concern regarding the permanent limitation that has been placed on my PayPal account. I firmly believe that this limitation was a result of a mistake, as I have always adhered to PayPal 's policies and guidelines. 

I would like to emphasize that I have not violated any PayPal policy, knowingly or unknowingly. I have been a loyal and responsible PayPal user for a significant period of time, and I have always conducted my transactions in a transparent and ethical manner. I have never engaged in any fraudulent activities or any actions that could be considered a breach of PayPal 's terms of service. 

Given the circumstances, I kindly request PayPal to thoroughly re-investigate my case and consider restoring my account, if deemed appropriate. I genuinely believe that this limitation was imposed on my account by error, and I trust that a closer examination of my account activity will affirm my innocence. 

For your reference, the email address associated with my PayPal account is XXXX. I would appreciate it if you could keep me updated on the progress of this re-investigation and provide me with any relevant information or documentation that may assist in resolving this matter. 

I sincerely hope that PayPal will recognize the misunderstanding that led to this limitation and take the necessary steps to rectify the situation promptly. Restoring my account would not only reinstate my faith in PayPal as a reliable platform but also allow me to resume my normal financial activities without any further disruption. 

Thank you for your attention to this matter, and I look forward to a favorable resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy. 


15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
I have disputed with all three reporting companies multiple times and nothing has changed. I dont have anything negative on my credit report other than this, which is citizens bank mistake that Im getting punished for. They called me about my card not working XX/XX/XXXX and informed that I was a few weeks late. I was informed that call was being recorded. I made a payment and authorized them to take automatic payments over the phone. The customer rep explained everything to me and I asked her if it was going to come out automatically and she stated on that recorded phone call that it would. They never charged the card. Ive tried calling and talking to them but dont get any where. I have been hung up on numerous times. Now I have a late payment on my account for being lied to on a recorded conversation that they wont pull up to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act Kohl 's Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: WV

Complaint narrative:
I had an auto loan through Ally. The car was totaled and I was told the gap insurance did not cover it. The account was sent to collection ( XXXX XXXX ). I called into XXXX and agreed to a settlement amount of {$330.00}, of which I would make a monthly payment of $ XXXX month starting XX/XX/XXXX. I set up automatic payments. The last payment was made on XX/XX/XXXX. XXXX never sent me any confirmation, nor did they send Ally confirmation and they are stating I still owe the entire balance. Please help!!! I have attached my bank account statement showing where I made all 10 payments.

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 2023-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: David Deep Law Offices
State: KY

Complaint narrative:
David Deep Law Office did not provide this information in his attempt to collect the alleged debt. I had no idea I had any rights to do so, until recently when I started looking into the laws myself. If David Deep Law Offices had informed me of my rights as required to do so, I may not have had to suffer all of his legal attacks against me. 

15 U.S. Code 1692g ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I filed a FTC theft report because I found fraudulant account on my report and nobody will help me get them removed.

Company response to consumer: Closed with explanation