vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
How r u doing today? I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus about an unknown charge off account from CCB/XXXX  CARD # XXXX. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 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. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My current address is XXXX XXXX XXXX # XXXX XXXX, Texas XXXX. On my credit report the apartment number previously is # XXXX. The owner XXXX XXXX IS THE OWNER OF BOTH PLACES. My email, everything is HACKED! These people are fraud XXXX. My criminal is incorrect I think there is IDENTITY THEFT. Cybor CRIMINALS. I was born in XXXX ... it has the year my social security number was issued in XXXX. XXXX XXXX is my mother and I think she is fraud she was born XXXX. XXXX XXXX was born XXXX ssn XXXX. He died died XX/XX/XXXX. Please help owner always wAnts a XXXX payment I live in XXXX XXXX XXXX I DRIVE XXXX XXXX XXXX license XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
This is my SBA loan thats was granted to me with interest.I was told by the SBA agent I can use PayPal not knowing you guys was going to lock my account I cant afford for PayPal to hold my funds for a 180 days this is a loan and Im responsible for this loan paying it back so please see that I really need my money so I can continue to keep my business up in running I will call my county commissioner to help me resolve this issue I did nothing wrong. 
PayPal Reference ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a loan with CAPITAL ONE BANK USA N. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, and CAPITAL ONE BANK USA N with no successful resolution. XXXX XXXX XXXX XXXX   reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/XXXX ), also I was never 60 days late ( XX/XX/XXXX ), lastly I was never 120 days late ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: VA

Complaint narrative:
I discovered in my credit report that Source Receivables Management , LLC, has posted a collection action for a XXXX account that is fraudulent. They filed a collection action against me in the amount of {$2600.00}, which they are collecting on behalf of XXXX. The account is not mine. I did not open this account, nor did I authorize anyone to do so on my behalf. 
I requested that they either provide me with written proof that this debt is mine, specifically, but not limited to, a contract bearing my signature ; or remove it from my credit record and update this information with all three credit bureaus to reflect that this account is not mine. They did not provide any documentation. Instead, they replied by requesting that I provide a statement of dispute to XXXX. XXXX is not listed on my credit report, Source Receivables Management , LLC, is taking action against me. Furthermore, how can one prove a negative. I have nothing to submit to XXXX or SRM as this is not my account. SRM has the claim against me so they should provide evidence of my debt, evidence that I opened this account. All cell phone accounts require signed contracts. As such, they should be able to provide a contract with my signature on it. They have not. And they can not because the account is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
GOOD EVENING ; SEE ATTACHMENT! - I'M NOT SURE WHERE THE DELAY IS BECAUSE I'VE TRIED FOR MANY MONTHS - EVEN AFTER I PAID OFF THE ACCOUNTS AS AGREED UPON AND IT CONTINUES TO REPORT INACCURATE INFORMATION. I PAID {$3300.00} AS AGREED AND IT WAS TOLD THAT IT WOULD BE DELETED FROM MY CREDIT REPORT. I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.

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 2020-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
I have notified the company Credit Acceptance in regards to my XXXX XXXX XXXX. However, I notified Credit Acceptance a few days after I been released from the hospital on XX/XX/XXXX, due to a XXXX   XXXX. I have spoken to a representative to extend my payments on the back of my loan for two months due to financial issues and COVID-19. I was advised per the representative that my payments will resume  on XX/XX/XXXX of {$290.00}. I have reached out on XX/XX/XXXX due to a disturbing phone call that I was past due of {$580.00}. I have spoken to a representative and supervisor on XX/XX/XXXX and stated that it was notated as payment arrangement, and was also advised no extensions are given. Per the supervisor apologized for the confusion.

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 2020-08-26 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: NE

Complaint narrative:
The creditor XXXX XXXX XXXX is reporting a collection account on my credit report. This is not my account and I have disputed this debt several times with the credit bureau and the creditor several times. This is a violation of the Fair Debt Credit Reporting Act.

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 2020-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AZ

Complaint narrative:
I use moneygram to send money to my parents and family. I have realised overtime that moneygram is using predatory practices including frustrating customers to keep fees. 

I sent money to a relative on XX/XX/19. When he went to withdraw the money using his passport he was denied access due to expiration of his passport, and it can not be renewed anytime soon due to COVID. So I called money within 12 hours to let them know the issue and to change the name. I was told they could not change the name so they will cancel the transaction and did. 

I found out today they had refunded the transaction money BUT NOT THE FEES. So I called to find out why. I was told : 1. It was over a day old and 2. I canceled the transaction and the name change was my fault. 
The {$4.00} fees is not my main concern. I want to bring moneygram to book and shine light on these predatory practices as it has been going on for sometime now.When you send money and encounter a problem and call moneygram that same day you will sit by the phone for hours without help and when you manage to get them the following day then they start the quoting from their fine print how they can not help you. And their customer service agents, I believe have been trained to frustrate customers so they give up. They know full well they can not help you but take about 10-15 minutes of you precious time. Then they transfer you without telling the new service agent your issue so you have start all over again. 
Additionally, I think this is either an intentional/untentional strategy from moneygram to flag phone numbers of people who have sent money that day and to decline majority of those calls so they they can fall into over day old category and so they can get to keep those fees. 

I think this predatory strategy of moneygram should be look into as I think they are taking advantage of a lot of customers.This is about the 3rd time this is happening to me so I know what I am talking about. I gave them the benefit of doubt the first two times just to study what was going on. I have come to the conclusion that though their fees are low they make it nearly impossible to get a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: FL

Complaint narrative:
XXXX. Spoke with an agent on XX/XX/2020 stated that they would remove XX/XX/2020 late payment and make account current due to mistake on the banks fault XXXX XXXX XXXX - Account was reporting late XX/XX/2020. My account went into deferment due to covid 19

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 2020-08-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
as notified before, I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: NE

Complaint narrative:
The creditor XXXX XXXX XXXX is reporting a collection account on my credit report. This is not my account and I have disputed this debt several times with the credit bureau and the creditor several times. This is a violation of the Fair Debt Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Reference complaints - XXXX and XXXX. Issue is resolved. Respectfully request closing out these complaints of Navy Federal Credit Union.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX XXXX XXXX I had a complaint that was filed in error on XX/XX/XXXX to Experian. I was complaining about these two : 1.XXXX XXXX accounts OPEN XXXX ( # XXXX ) 2.XXXX XXXX accounts OPEN # XXXX that were discharged in a  Bankruptcy XXXX. They were still showing on my report when I do not owe on these accounts that should have been removed in XXXX. My new XXXX XXXX account was accidentally disputed even though I never put my new account in the dispute an agent from Experian contacted XXXX XXXX by phone and had my XXXX XXXX # XXXX account put in as fraud and it has been deleted. I need my account off of restricted status ASAP! THIS IS A ERROR PLEASE FORWARD A CORRESPONDED THAT IT WAS DEFINATELY A MISTAKE.

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 2020-08-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Wayfair shipped to incorrect address. Wayfair had XXXX  to pick up and return but my account has not been credi and they have their merchandise. 

I have contacted the merchant and Comenity Bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-26 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: FL

Complaint narrative:
XXXX. Spoke with an agent on XX/XX/2020 stated that they would remove XX/XX/2020 late payment and make account current due to mistake on the banks fault XXXX XXXX XXXX - Account was reporting late XX/XX/2020. My account went into deferment due to covid 19

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: FL

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are really affecting my Credit standing and a chance of getting a card approval. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

-XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX -XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX -XXXX XXXX XXXX Account Number : 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 2020-08-26 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: FL

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are really affecting my Credit standing and a chance of getting a card approval. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

-XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX -XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX -XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My Chase account is frozen and Chase will not close my account until I visit the branch. I do not want to visit the branch because of the ongoing pandemic. I have {$5000.00} and they are holding it XXXX. Please have them close my account and mail my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have a loan with WELLS FARGO BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and WELLS FARGO BANK with no successful resolution. XXXX, XXXX, and XXXX   reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/2017, XX/XX/2017 ), also I was never 60 days late ( XX/XX/2017, XX/XX/2017 ), lastly I was never 90 days late ( XX/XX/2017, XX/XX/2017 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 2020-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ARS National Services, Inc.
State: FL

Complaint narrative:
Sent cease and desist letter to collection agency on XX/XX/2020. Received a return letter violating Fair Debit Collection Practices Act.  Then I sent a letter with Affidavit of truth, exhibits and invoice for violating my rights as a consumer, natural person and original creditor on XX/XX/2020 certified mail with return receipt with signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I rented an apartment from XXXX XXXX XXXX in XXXX XXXX, CA in XXXX of XXXX. I paid a {$900.00} deposit upon move in. During that time the property was sold to XXXX XXXX in XXXX. When I moved out on XX/XX/XXXX, they claimed I did not pay a deposit even through I provided them proof with a cancelled check. When I moved out, I paid a {$1200.00} termination fee. XXXX is claiming this amount is {$1800.00}. After they had me sign a new lease with them ... .they changed the {$1200.00} amount to {$1800.00}. When I moved out I had the unit professionally cleaned. XXXX claimed I did not clean it and charged me a bogus {$130.00} amount claiming they had to have it cleaned. I had already paid a cleaning service {$150.00} days earlier to clean the apartment. The rental manager ( XXXX ) ( XXXX ) XXXX told me not to repaint or fix small holes for pictures in the walls as I had only been there a short time. I was then charged {$120.00} for painting. I payed what was owed when I moved out including utilities and the termination fee on XX/XX/XXXX. I did not hear from them again until receiving a collection notice from National Credit Systems in XXXX, GA ( ( XXXX ) XXXX in XXXX of XXXX. When I call the apartment office, XXXX, the office manager referred me to XXXX at XXXX XXXX  XXXX ) XXXX I have left ( 4 ) messages for XXXX and he has never called me back. I have left ( 3 ) messages for XXXX XXXX from National Collections and she has never called me back. The collections amount is now on my credit report, and this is now keeping me from purchasing a home. I would appreciate any help to have this bogus charge of {$920.00} removed from my credit report. 
On XX/XX/XXXX, I provided both XXXX XXXX XXXX  and XXXX XXXX a detailed letter explaining the discrepancies that accompanied by check for {$74.00} for utilities owed through XXXX of XXXX. I resent this letter to both parties this month, XX/XX/XXXX.

Company response to consumer: Closed with explanation