vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}, {$360.00}, {$320.00}.

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.

-- CLOSED ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

-- COLLECTION ACCOUNTS -- 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$360.00} -This is not my account. 

3. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -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 2020-05-23 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 {$2100.00}, {$360.00}, {$320.00}.

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.

-- CLOSED ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

-- COLLECTION ACCOUNTS -- 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$360.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 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: NJ

Complaint narrative:
I bought a car and Santander Bank was the lender charged me 21 % and XXXX for 74 months they got a lawsuit for price gouging and I am suing also I have asked numerous times I want it off my credit. Dates bought it XX/XX/XXXX repoed in XX/XX/XXXX lemon car.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
LVNV FUNDING LLC I have never heard of this company, and have never received credit from them and they are reporting negative on my credit report.They refuse to delete the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 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: NC

Complaint narrative:
Santander violated consumer protection laws by exposing subprime consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans with a high probability of default. 

Based on a multistate investigation, the coalition alleges that Santander, through its use of sophisticated credit scoring models to forecast default risk, knew that certain segments of its population were predicted to have a high likelihood of default. Santander exposed these borrowers to unnecessarily high levels of risk through high loan-to-value ratios, significant backend fees, and high payment-to-income ratios. The coalition also alleges that Santanders aggressive pursuit of market share led it to underestimate the risk associated with loans by turning a blind eye to dealer abuse and failing to meaningfully monitor dealer behavior to minimize the risk of receiving falsified information, including the amounts specified for consumers incomes and expenses. Finally, the coalition alleges that Santander engaged in deceptive servicing practices and actively misled consumers about their rights, and risks of partial payments and loan extensions. 

As a result of these unjust practices I have a negative account status currently reporting on my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I been having the same issue with Capital One, about two years ago my wife paid off the whole balance with Capital One and Capital One charge interest on a XXXX balance, the {$11.00} dollars they charge as an interest turned out to almost {$200.00} when we found out later because they never send us a notice and now is happening the same thing I have a XXXX balance and they already charge me {$10.00} and on my wife account that is a {$8.00} interest

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-23 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: GA

Complaint narrative:
I was a victim of identity theft and my EXPERIAN credit report had one charge-off ( XXXX XXXX XXXX  ) and two collection accounts ( XXXX XXXX XXXX, XXXX XXXX XXXX ) on it. I mailed EXPERIAN a certified letter with my police report, identity report and the criminal report of the suspect that is now in custody that stole my identity. EXPERIAN deleted the three accounts from my credit file and then a couple of weeks later without notifying me re-inserted all three files. i sent a demand letter for a thorough investigation however they never responded.

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 2020-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have not used my Capital One card for a few years. They arbitrarily decided to close my account - which is fine, but in doing so, they reported to the credit agencies that it was closed due to lack of payment - not lack of use, that the account had over 45 past due payments and the amount was settled for less than balance. I contacted Capital One to report the error - they REFUSED to correct it, said it should update with the billing cycle next month. In the meantime, it has significantly impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: FL

Complaint narrative:
My vehicle was taken from me by Westlake Financial. I have never missed a payment. It's now at auction in XXXX, 3 hrs from my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 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: Convergent Resources, Inc.
State: FL

Complaint narrative:
This company has no legal, binding contract and has been reporting erroneous information to the credit bureaus illegally. I have been requesting that this company send me evidence that they can legally report this information to the credit bureaus since the beginning of this year. I have given them chance after chance to correct their information and present me with the correct evidence. They have removed the report from one of the credit bureaus but not the others. They continuously send me copies of a bill even after multiple rejections of this " evidence ''. I have requested validation and not verification multiple times to no avail which leads me to believe they have no binding contract and are reporting this information illegally.

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 2020-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My identity was stolen and used to obtain services. I cleared the fraud with the company but the information is back on my credit report with 1 ) the name and address on XXXX XXXX used to steal services and 2 ) the collection companies, which worked for XXXX XXXX and were marked as fraud by the companies, are back on my credit report. 

I contacted Experian and the fraudulent information was only off my record for about 3 weeks. The next time I checked the identity and collection information was on the report again.

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 2020-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
This account was settled through a attorney and they refuse to update credit bureaus.It clearly states on there web site that a settled account will be deleted from credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: WV

Complaint narrative:
I was made aware, that once again, XXXX XXXX company has placed a bill in my name in collections for {$300.00}. This time it is with the Receivable Management Company. 
This is not my first experience with XXXX. In the past, they placed bills with agencies, I'd fight and dispute, win, then after awhile they just place it with someone else. It's already been determined that I do not owe them, as I won previous complaints because they keep trying to bill for services that hadn't yet been rendered.

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 2020-05-23 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: NRA Group, LLC
State: FL

Complaint narrative:
This company has no legal, binding contract and has been reporting erroneous information to the credit bureaus illegally. I have been requesting that this company send me evidence that they can legally report this information to the credit bureaus since the beginning of this year. I have given them chance after chance to correct their information and present me with the correct evidence. They have removed the report from one of the credit bureaus but not the others. I have requested validation and not verification for the multiple accounts they have listed sent directly to their company in XX/XX/2020 and still no response. This leads me to believe they have no binding contract and are reporting this information illegally.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: TransferWise Ltd
State: NY

Complaint narrative:
On the date of XX/XX/2020, I was charged {$120.00} by transferwise for a " cash advance ''. Transferwise never disclosed that I was being billed for a " cash advance ''. I never received the services from the merchant that was sent the {$120.00} payment, so I can not dispute this charge with my credit card company because I was never told this charge would be treated as a " cash advance ''. I attempted to call Transferwise customer service to explain the issue and they stated that they could not help me since their company does not support disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 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 — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 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: AmeriCollect
State: FL

Complaint narrative:
This company has no legal, binding contract and has been reporting erroneous information to the credit bureaus illegally. I have been requesting that this company send me evidence that they can legally report this information to the credit bureaus since the beginning of this year. I have given them chance after chance to correct their information and present me with the correct evidence. They continuously send me copies of a bill even after multiple rejections of this " evidence ''. They have " picked and chose '' which credit bureaus to remove accounts. I have requested validation and not verification multiple times to no avail which leads me to believe they have no binding contract and are reporting this information illegally. This erroneous and negative information has prevented me from refinancing my home, purchasing a new home, and purchasing a family car at affordable rates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 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: NC

Complaint narrative:
I am writing this letter to demonstrate my disgust with Paypal 's decision to take my available funds in my account. There was a total of {$4100.00} in my available balance. I was told by Paypal that I needed to wait 180 days to withdraw the funds. After about 170 days, Paypal then transferred the available balance funds into their own PayPal account, claiming " damages '' after a violating the " acceptable use policy ''. 
Paypal has provided zero evidence to backup their claim that my company has " damaged '' their business. All of these sales were from XXXX transactions and there very minimal amounts of returns or refunds. All of the buyers have received their merchandise. I emailed Paypal and they told me that I would be able to withdraw my funds in 180 days. I am attaching proof of their email showing they told me this information. There was only 1 Paypal dispute which was decided in my favor. I am asking that these funds be returned to my account right away so I may withdraw them to my bank account. If I do not have these funds returned within 45 days i will be filling a lawsuit in small claims court. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 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: MI

Complaint narrative:
I began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after two separate requests made timely for this, the company has failed to provide me with this validation. The company not only denies me of my rights as a consumer under this act, they also continue to employ stall tactics. They stated that they received a letter from an " unauthorized third party credit repair company '' when in fact I sent the letters that I had notarized with an official seal. Additionally, I sent the letters with a copy of my my state drivers license as well as my social security card which were also provided to the notary as proof of my identity. 

I in turn sent a second letter demanding a timely investigation and resolution to this manner. Equifax has this denied me this right a second time by sending a response failing to provide results. The rationale was : " Please be specific with your concerns by listing the account names, numbers, and the nature of the dispute ''. 

This is precisely what I provided them with in the first place on XX/XX/2020. We are now closing XX/XX/2020 and I still have not received a timely investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Weber & Associates, Inc.
State: CA

Complaint narrative:
I paid the dues billing received from XXXX XXXX XXXX in XX/XX/XXXX. 

In XX/XX/XXXX I received a bill for dues from Weber & Associates. 

XXXX I asked Weber for a breakdown / details as to what they claimed I owed and Weber could not provide such information. 
Weber just resent me WEBERs created vague bill. 

XX/XX/XXXX I called Weber - Weber had no record of my XX/XX/XXXX payment, so I contacted XXXX XXXX and asked XXXX XXXX to check its records. 

XX/XX/XXXX - I spoke with XXXX ( accounting ) at XXXX XXXX said it received my payment in XXXXand confirmed no further payment was needed as I paid my dues in full ( the amount billed to me by XXXX XXXX ). 

XXXX - accounting for XXXX XXXX -said she would inform Weber that my dues had been paid in FULL in XX/XX/XXXX ... 

Fast forward ... and in XX/XX/XXXX, I receive another bill from Weber & Associates- stating that although dues had been paid - Weber NOW wanted more fees and interest charges- based on what? After XXXX XXXX already confirmed that in XX/XX/XXXX all dues / amounts charged by XXXX XXXX had been paid / check cashed etc. 

Weber is AGAIN asking for collections ... this time asking for fees and interest ( with no breakdown, no details as to basis or calculation or rates or time period etc ) - based on what basis or calculation - when XXXX XXXX accounting confirmed previously that the dues were paid / check cashed XX/XX/XXXX ... 

and in XX/XX/XXXX XXXX of XXXX XXXX accounting confirmed no further dues or amounts were owed??!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Clark County Collection Service
State: NV

Complaint narrative:
The three request ( dispute ) letters that have been sent to Clark County Collection resulted in no success. All letters have been sent Certified Mail with copies of my ID and Social Security Card. In my letters I've demanded that Clark County Collection send me documents showing that the account that they have reported on my credit report belongs to me. Clark County Collection is currently violating Federal Law in regard to Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of FCRA. I have sent these letters as disputes to XXXX beginning XX/XX/2020 with the last letter being sent on XX/XX/XXXX. XXXX has sent me dispute results saying the accounts had been verified. However, Clark County Collection has not provided me with a copy of any original documentation or a consumer contract with my signature on it which they are required to do according to Section 610 ( a ) of the FCRA.

Company response to consumer: Closed with explanation