vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
Back in XX/XX/XXXX, we put in a 60 day notice for move out of our home and we were answered back and it was put into effect that the move out is for the end of our lease term. Now we are being overly charged for early termination fee, rent and utilities for months we did not live there for, services while we did not live there and move out charges that when we ask for what it is, we don't get an answer. I have connected them with a letter of XXXX the XXXX, XXXX. We started calling both the RentDebt and XXXX XXXX to get this fixed and after three " disputes '' and emails from me showing my move out we are still being charged. We sent a Demand Letter for our charges to be removed and our deposit back on XXXX the XXXX, XXXX. I received a call today XX/XX/XXXX, from RentDebt, that we still owe the charges regardless of our proof. We informed them that we will be contacting the Fair Credit Reporting and reporting this wrongful charge. As well as contacted XXXX in one more final attempt to fix this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: P&B Capital Group, LLC
State: AR

Complaint narrative:
I received an email from XXXX XXXX  a representative of XXXX a debt collection agency on XX/XX/2023. The next day I saw this email on XX/XX/2023. The email was an offer to pay the balance of XXXX off in total at a discounted amount of XXXX. I processed a payment by debit card the same day XX/XX/2023 for this amount and received a message from XXXX stating it was paid off in full on XX/XX/2023 and further attempts to collect on the debt would cease. I have screen shots and a bank statement I can provide as proof of the offer, the transaction completion and bank statement records. Later in the this month I received a message from P & B Capital Group LLC. This is another debt collection agency stating the balance owed is still XXXX. I received this email on XX/XX/2023, upon receiving the email I immediately contacted the company at the phone number provided ( XXXX ) XXXX in the email. I spoke to a XXXX XXXX who is a floor manager. I explained the situation to him and we had several email messages back and forth following the call. I sent screenshots of the confirmation of payment made and the offer from XXXX. He stated that the offer I received on XX/XX/2023 was only valid for that day, however there was no indication of this in the email and certainly not when I processed the payment and received confirmation the debt balance was paid in full. XXXX XXXX then sent me a offer letter with the original balance of XXXX discounted to a pay off amount XXXX. So according to their records there was never a payment made which makes no sense. He stated the offer he sent was only valid up until XX/XX/2023. This entire situation seems unprofessional as I processed the payment and received confirmation the balance was paid and collections would cease. I have not received an explanation for where my funds paid on XX/XX/2023 were applied from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear CFPB : I have disputed the inaccurate accounts within my credit report for almost 5 years now. Every time I dispute is sent in with attaching documents, the credit bureaus dont hesitate to send responses in the mail and or email saying ALL ACCOUNTS ARE VERIFIED AS ACCURATE. Well, how accurate are they XXXX and TransUnion? 

XXXX has also stated in their disputes that they will NOT be investigating these accounts anymore because they have been previously verified by the furnisher. This is a violation of the FCRA and Im demanding {$1000.00} fine be paid to be for each account that was not investigated as well as the inaccurate information within. 

XXXX lists XXXX as having payment history but TransUnion doesnt show any payment history. Whose correct? 

Next, XXXX lists XXXX XXXX with no payment history and no date that the account will fall off my credit report. Why and how is this account accurate? Where is the ON RECORD UNTIL date XXXX? Or do you plan to keep this on my credit report forever? 

Third, TransUnion lists XXXX with no payment history but XXXX has payment history. Whose correct? These are answers that Ive been trying to get for over 5 years now to no avail. 

Lastly, TransUnion lists XXXX XXXX with 6 months of payment history for an account that was in good standing and open since 2016. Where is all the other years of payment history TransUnion?? 

These accounts are clearly inaccurate. Both XXXX and Transunion can not be correct. Someone has to be wrong here. 

If the same information is being reported by the exact same data furnisher, why are these accounts not showing the same information? Why are there errors and discrepancies? 


I DO NOT want another reinvestigation done because you supposedly verified these accounts as accurate. Now Im demanding {$1000.00} for each account listed and the immediate deletion of the accounts mentioned above. Failure to do so will results in me taking a higher action. 

Respectfully submitted, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-04-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XX/XX/2023 XXXX XXXX  Monday TD Bank XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Vice President, Store Manager NMLS ID # XXXX The ATM at this TD Bank took my XXXX XXXX ATM Card into the ATM machine and then reset to the opening screen, it did not return/spit out my XXXX XXXX ATM Card. I then went inside of the TD Branch and the Store Manager XXXX informed me that I would have to contact XXXX XXXX to receive a new ATM since this TD has no access to the ATM 's in the Branch and does not service the machine. XXXX XXXX asked me what my name was and I presented to XXXX XXXX my NY State Enhanced Drivers License and told him that I also have a account at TD Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: NH

Complaint narrative:
Dear Sir/Madam, I am writing to submit a formal complaint to appeal the permanent limitation of my PayPal account , which I believe has been placed by mistake. My PayPal account email address is XXXX. 

Firstly, I would like to emphasize that I have not violated any of PayPal 's policies or terms of service. Therefore, the permanent limitation of my account has come as a surprise to me. 

Secondly, I would like to request that PayPal re-investigates my case to determine that the limitation was placed by mistake. I understand that PayPal has its own procedures to ensure the safety and security of its platform and users, but I am confident that a mistake may have been made in my case. 

Lastly, I would like to request that PayPal restores my account if possible. I am a loyal PayPal user and have always used the platform for legitimate transactions. The limitation of my account has caused significant inconvenience, and I would appreciate if PayPal could reconsider its decision. 

I hope that my request for appeal will be given due consideration, and I am willing to cooperate fully with any investigations that PayPal deems necessary. Thank you for your time and attention to this matter. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: DISCOVER BANK
State: IL

Complaint narrative:
I have been trying to get this derogatory off my credit report for months. I have sent in several disputes, and nothing has been done. I have sent in proof that I myself am submitting the request to have this removed. I have filled for a full file disclosure and never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: NY

Complaint narrative:
Accordingly, as per the FCRA, you were required to conduct a reasonable reinvestigation. and ( modify or delete ) the disputed information as I requested before the end of 30-day period on the date on which you received my dispute complaint. ( XX/XX/XXXX and XX/XX/XXXX ). Instead of sending me a response letter with my results of your investigation of the disputed information you closed out my complaint still with no resolution. XXXX {$0.00} ( NOT MINES, NEVER APPLIED FOR THIS ) XXXX XXXX XXXX {$550.00} ( past due dates don't match, term dates, opened dates ). No contract provided in written with my wet sign signature. XXXX XXXX Account over 8 years and showing past due on a repossession, balances don't match and payment history. No written contract provided with my wet signature. Names not corrected. My name is XXXX XXXX XXXX, XXXX XX/XX/XXXX and only address is XXXX XXXX XXXX. I have requested several times to have this updated. Also to remove any old telephone numbers Clearly, you have willfully failed to modify or delete the disputed information as i requested. In lieu of modifying or deleting the disputed information, you willfully failed to conduct a reasonable investigation of my disputes because it meets FRCA guidelines. However, your excuse or assumption is not a valid reason under the FRCA to not reinvestigate my dispute. Note, you have not made any reasonable determination that my dispute was frivolous or irritant. Nor have you sent me a notice of such determination that complies with the FRCA. Furthermore, I directly disputed the completeness and /or accuracy of information contained in my consume file as per the FRCA. Your failure to reinvestigate is an intentional and /or negligent FRCA violation. As a result of you conduct as described above, you shall promptly ( modify or delete ) the disputed information. Additionally, as per the FRCA, you are liable to me for damages for you conduct. Thus, in addition to you ( modification or deletion ) of the disputed information, you are commanded to send a check in the amount of {$1000.00} payable to the order of XXXX XXXX. According to 15USC 1681N 9 ( A ) ( 1 ) any actual damages sustained by the consumers a result of the failure or damages of not less than {$1000.00} per violation. Be advised, this is not another dispute or opportunity for you to reinvestigate a previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law. Within ( 14 days ) days. ( 1 ) ( modify or delete ) the disputed information requested, ( 2 ) send an updated copy of my consumer file, and ( 3 ) send me the {$1000.00} check to my mailing address above. Sincerly, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I have repeatedly ask Navient to stop calling me because I do not owe this debt and am currently filing litigation. They continue to call me 2-3 times a day everyday even after sending this to collections. They have also called my Mother, sister, son, and former employer. In all of those instances they have stated they are calling for XXXX XXXX in regards to a debt. I know for a fact they are not allowed to mention a debt. They have also left messages with my mother asking her to call them back, and called her more than once. I also know this is illegal. Something needs to be done. They continue to harass me several times a day. I emailed them and told them to not call and they continue. I told them I have obtained a lawyer and it will be settled in court, yet they continue to call. The last woman called today XX/XX/24 and told me I was a liar and do not have a lawyer because I refused to give her information. I should not have to be called a liar on my own phone. I am following my lawyer 's advice and she tried to convince me I needed to do what she said. She basically told me I shouldn't listen to my lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: MI

Complaint narrative:
I am writing in regards to the account number XXXX that the company, XXXX XXXX XXXX, has listed on my credit report. I have previously contacted your company requesting validation of this debt, and to date, I have not received a response or any documentation that verifies this debt or a signed contract. 

As I stated in my previous correspondence, I have no knowledge of this debt and have never entered into an agreement with your company. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of the debt and to dispute its validity. Your company has failed to provide me with any documentation that proves the validity of this debt or a signed contract. 

Therefore, I request that you remove this account from my credit report immediately. Your failure to provide validation of the debt or a signed contract is a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

I also request that you cease all collection activity on this account until you can provide me with the requested documentation. Any further attempts to collect on this debt without providing verification are illegal and a violation of my rights under the FDCPA. 

I urge you to take immediate action to correct this error and provide me with the requested documentation. I look forward to your prompt response to this matter.

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 2023-04-24 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: MI

Complaint narrative:
I am writing in regards to the account number XXXX that the company, XXXX XXXX XXXX, has listed on my credit report. I have previously contacted your company requesting validation of this debt, and to date, I have not received a response or any documentation that verifies this debt or a signed contract. 

As I stated in my previous correspondence, I have no knowledge of this debt and have never entered into an agreement with your company. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of the debt and to dispute its validity. Your company has failed to provide me with any documentation that proves the validity of this debt or a signed contract. 

Therefore, I request that you remove this account from my credit report immediately. Your failure to provide validation of the debt or a signed contract is a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

I also request that you cease all collection activity on this account until you can provide me with the requested documentation. Any further attempts to collect on this debt without providing verification are illegal and a violation of my rights under the FDCPA. 

I urge you to take immediate action to correct this error and provide me with the requested documentation. I look forward to your prompt response to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: Affirm Holdings, Inc
State: MA

Complaint narrative:
I had 3 loans with the company Affirm that were sent to collections. All 3 of these accounts were settled with XXXX XXXX, the collections agency who bought the affirm coounts. I received the confirmation of payment letters from XXXX XXXX  stating the accounts were settled and there was no balance. Affirm has been incorrectly reporting to XXXX  that I still owe these balances. After making several disputes, several calls to Affirm, multiple messages and no changes have been made, I proceded to contact XXXX  to file another dispute and afain, provide the proof of payments. Upon receipt, I was made aware that Affirm is incorrectly reporting themselves as a collections company who holds the accounts in collections, even after the debt was sold to XXXX XXXX. I was also notified that they were incorectly still reporting that these accounts have not been paid. Even after submitting proof to experian and affirm that in fact, they have been paid off. Affirm is in violation of the FTC guidelines and refuses to accurately report the status of these loans after several months of calls, messages and proof that what they are reporting is incorrect. This has affected me greatly. I am trying to move with my kids to another home before i am homeless, i was approved for a place but they needed for these accounts to be paid off first and balances removed from my credit. I paid these accounts on XX/XX/23, sent proof to affirm and have called them almost every week, to wich they state they received the letters and the issue would be excalated but when I get an answer they are automated answers and no one can assist. I even have chat conversations with screenshots of them stating that they see the balance is {$0.00} and that these accounts were sold to XXXX XXXX. But when the disputes I submit come back, they still report false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: Affirm Holdings, Inc
State: IL

Complaint narrative:
I have been trying to get this late off my credit report for months. I have sent in several disputes, and nothing has been done. I have sent in proof that I myself am submitting the request to have this removed. I have filled for a full file disclosure and never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
XX/XX/XXXX Deposit Disposition {$630.00} XX/XX/XXXX Email & Payment {$230.00} From : XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXXXX/XX/XXXX at XXXX Subject : Re : Final Account Statement/Balance Due! # XXXX To : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX To Whom it may concern, I just paid {$230.00} online out of the {$630.00} from the XXXX XXXX XXXX XXXX I will not be paying for the {$400.00} vinyl damage that the maintenance man caused by dragging a new refrigerator in the kitchen that was witnessed by two people on move in day XXXX. The witnesses offered to help the maintenance man with the refrigerator but he refused the help which led to him dragging the refrigerator in the kitchen causing the scrape marks on the vinyl floor which matches up with refrigerator wheels on bottom. after placing the refrigerator, the witnesses noticed the scrape marks on the kitchen vinyl floor which were caused by the maintenance man, he said not to worry about it. I'm a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that can't physically move a refrigerator by myself. I will not be paying for damages I did not cause. I have been a very good tenant, I have done everything by the book, never paid rent late, stayed an extra 3 months and paid for an additional month for replacement tenants to leave my lease early. I left the apartment in better shape than what we had on move in day. This apartment was originally rented for my mother XXXX who is XXXX of stage XXXX XXXX XXXX. Part of the reason why we had to leave the lease early was because the apartment was not safe for her. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If you have any questions or concerns regarding these matters, please do not hesitate to contact me. 

Thank You, XXXX XXXX XX/XX/XXXX XXXX XXXX, call to Manager. Wanted to pay {$400.00} of balance, but manager couldn't find documentation and wouldn't accept {$400.00} for remainder balance and had no record of payment and was trying to reach the previous management company. 

XX/XX/XXXX Collections Letter National Credit Systems , Inc. {$630.00} XX/XX/XXXX We contacted both XXXX XXXX  and XXXX  , Inc. to resolve this. XXXX XXXX  didn't have the previous management company 's documentation and wouldn't accept documentation and or hung up the phone on us. Same with XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC.
State: DE

Complaint narrative:
I reviewed my contract and realized that a gap charge was included in my amount financed I am aware that all fees that are not government or state fees should not be included in the amount financed also, on our paperwork it states a different mileage number than the number that was on the actual dash board of my vehicle so I am not sure which mileage is correct it seems like they could have been misleading me during the sales process.

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