vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-10 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: AZ

Complaint narrative:
US Dept of Edu/ US Dept of ED/XXXX is fraudulently reporting on my credit report in the amount of {$17000.00} account # XXXX. Ive complained to them over and over again that I never attended school in XX/XX/XXXX at all to no avail. This account never belonged to me. Ive asked them to send me the original instrument of indebtedness in its original form back in XX/XX/XXXX. The information that they sent was not mine and not my handwriting. This is against the law. 

* Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature? 
* Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ).

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 2018-11-10 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: AZ

Complaint narrative:
US Dept of Edu/ US Dept of ED/XXXX is fraudulently reporting on my credit report in the amount of {$17000.00} account # XXXX. Ive complained to them over and over again that I never attended school in XX/XX/XXXX at all to no avail. This account never belonged to me. Ive asked them to send me the original instrument of indebtedness in its original form back in XX/XX/XXXX. The information that they sent was not mine and not my handwriting. This is against the law. 

* Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature? 
* Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
Navy Federal CU is fraudulently reporting on my credit report in the amount of {$5800.00} account # XXXX * There is no balance because you claim to have charged off the account and it is a FACT that there is insurance on each account to protect the creditor against asset loss. Did you receive monies from an insurance claim that paid off the alleged account balance? 
* Did they even fund the account or did you? 
* Did you take tax credits? 
* Are you the creditor or really just the servicer? 
* Did you disclose that you were charging me for the insurance premium to protect against asset loss? 
* Did you get your approval in writing agreeing to the amount of the premium as require by law? 
* Did you get the insurance payoff prior to charging off the account? 
* Is the contract creating the account even valid since they lacked full disclosure and equal risk? 
* Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature? 
* Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Home Loan Center, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX I was searching the web for auto loan refinance rates. I found appealing rates on XXXX. The advertised rates were 2.24 % for a 60 months loan based on a XXXX and with an excellent credit of 720+ Considering that I had a XXXX credit score and my current loan rate is 3.87 % I decided to submit an application on XX/XX/XXXX with one of the XXXX partners listed there, XXXX  . 
Once they ran my credit they offer me a 2.99 % and let me know that those rates advertised are old from the begging of the year or so and are lo longer available. I did all the research and read all fine print and disclosure before applying and did not find any information or notation on the expiration for this rates. There should be some type of regulation that forces XXXX to update their rates and to not advertise false rates. XXXX and what theyre offering

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Avid Acceptance, LLC
State: CO

Complaint narrative:
on XX/XX/XXXX my Son died at that time I was unable to work and my wife was temporary laid off from her job. Avid Acceptance is my car loan provider. After I became late with my payment was repeatedly contacted by XXXX XXXX with said company. Not only did she attempt to contact my by phone but also email on a daily basis. She even contacted both people that I gave as references discussing my matters. she has done this twice now contacting a 3rd party about my situation. I set up a payment plan to get back on track and she continue to call and email about 'are you going to make your payment ' 'I am going to escalate your case and you won't like it ' this is after i made arrangements to make 2 payment within 2 days of each other totaling {$1500.00}. She then proceeded to call and email saying I still owe {$200.00} for XXXX and that I need to pay that. I set up another arraignment for a payment were I told her that I will make the {$200.00} payment plus my normal payment which is due on XX/XX/XXXX. on XX/XX/XXXX email communication I told Mrs XXXX that payment will be made on XX/XX/XXXX. 
I can forward all email and phone records and still have voice mail messages. here is part of last email between Mrs XXXX and myself Me : Are you touching base with me why are you calling references that were provided because if I say Im going to pay the bill on the 16th like I did Im going to pay the bill on the 16th the same way I told you I was going to pay the bill last month and it was paid so please if youre going to sit and call references again Im gon na sit and file harassment charges with the attorney general in the state of Colorado Mrs XXXX : If I dont get ahold of you I have to get in contact with a reference. I have been calling and emailing with no response. 
Me : And actually theres no need for you to get a hold of me considering we already had a agreement I am not now its considered carafe minutes ( voice to text was suppose to be HARASSMENT ) if you want to keep doing it go ahead but this will be my last response to you either way. Agreement to pay was made. Now its harassment after the last email she finally stopped

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 2018-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: The Moore Law Group
State: CA

Complaint narrative:
In XX/XX/XXXX The Moore Law Group in XXXX XXXX CA, knowingly violated Fair Debt Collection Practices Act and The Limitation act of 1980 and put an unlawful lien/judgement against my bank account and they fraudulently withdrew {$850.00} for a debt they were collecting that I originally had with XXXX XXXX that the last day of activity was in XX/XX/XXXX. The debt at that time was 6 years past the 4-year time limitation and over 10 years had passed from the date of last activity inXX/XX/XXXX 
I was injured in XX/XX/XXXXand had to have several XXXX. I was not physically able to return to work until XXXX. I was a XXXX XXXX XXXX and was unable to receive unemployment and had no source of income, which is why I was unable to pay XXXX XXXX after XX/XX/XXXX. 
Prior toXX/XX/XXXX, The Moore Law Group had threatened and harassed me with letters and phone calls. I informed them the debt was over ten years old and they lied and said I had to pay it or they would sue me. They presented the bank with false paperwork regarding the debt and the bank allowed them to levy my account and they fraudulently withdrew {$850.00} from my bank account. The money The Moore Law Group stole from me was my rent money and they caused me severe financial and emotional damage. 

The XXXX XXXX also broke the law as they misrepresented the truth and presented false documentation in court on XX/XX/XXXX as they knew the debt was pass the 4-year time limitation and won a judgement against me for {$5600.00}. I did not have the money to hire an attorney and the paper work was very confusing, and I have been emotionally distraught and mentally overwhelmed since the court issued a judgment against me for a debt that the date of last actively on the account was over 10 years old and that The Moore Law Group would blatantly break the law and violate the Limitation act of 1980 and the Fair Debt Collection Practices Act and file a lawsuit against me for a time barred debt. 

On XX/XX/XXXX The Moore group seized {$24.00} from my account and are harassing me to make a payment plan with them for the XXXX XXXX debt that the last day of activity is over ten years old.

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 2018-11-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
A credit card was open under my name that I never opened in XX/XX/2013. I've tried countless times to contest this account. The account currently showing closed with the payment status of being charged off. I've submitted notarized police reports for the fraudulent charges on my credit accounts. It is currently on my XXXX  & XXXX report. It was on my XXXX report but was removed once I disputed it. I would like to have it removed as soon as possible from the other reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a promotional offer from Citibank to open a new checking and savings accounts requiring completion of qualifying activities to earn a cash bonus and would receive the {$600.00} bonus after the conditions have all been met as outlined below : 1. Open a new Citi Checking and Citi Savings account. ( I opened both accounts on XX/XX/18 ). 

2. Within 30 days of account opening, deposit a minimum of {$50000.00} in either new account. ( I deposited {$1000.00} in new checking and {$49000.00} in new savings account on XX/XX/18, same day I opened the accounts ) 3. Maintain a minimum of {$50000.00} for 60 consecutive calendar days following the date of deposit. ( Yes, I never made any withdrawals at anytime ). 

4. The Cash Bonus of {$600.00} will be credited to the new Eligible Checking Account within ninety ( 90 ) calendar days from the date you complete all other requirements. 

5. I've spoken with two supervisors on two separate occasions and they both confirmed that I've met the qualifying activities to earn the {$600.00} bonus. They confirmed the 60 days plus 90 days would have occurred on XX/XX/2018 and they both agreed I should get the {$600.00} cash bonus by this date. 

I called Citi on XX/XX/18 @ XXXX XXXX they said it is being investigated. 
I called Citi on XX/XX/18 @ XXXX XXXX  said it investigation is being escalated. 
I called Citi on XX/XX/18 @ XXXX XXXX they said should be resolved soon. 
I called Citi on XX/XX/18 @ XXXX XXXX spoke with XXXX. She said the money will be deposited by 1-2 business days and that I have met all the qualifying criteria and I should have received the money back on XX/XX/18. 
I called XX/XX/18and confirmed the {$600.00} has not been deposited in either checking or savings accounts. 

In all discussions with the bank, they all agree that I have met all conditions of the offer but no one is able to credit my account. 

XX/XX/18 Went to the XXXX, CA branch and spoke with XXXX XXXX the rep that I opened the account with originally back on XX/XX/18 and she remembered me and checked her computer and called Citibank promotion dept and again, she confirmed that I did qualify for {$600.00} however " the process needs to go through another step '' and she will contact me when she gets additional information. Again, this is another attempt to stall or not honor their promotion. 

This promotion appears to be some time of scam to defraud consumer of their money so Citi can take advantage of the high flying stock market and use consumer 's money for free.

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 2018-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/XXXX XXXX XXXX XXXX XXXX in XXXX XXXX CA, knowingly violated Fair Debt Collection Practices Act and The Limitation act of 1980 and put an unlawful lien/judgement against my bank account and they fraudulently withdrew {$850.00} for a debt they were collecting that I originally had with Capital One that the last day of activity was in XX/XX/XXXX. The debt at that time was 6 years past the 4-year time  limitation and over 10 years had passed from the date of last activity in XX/XX/XXXX. 
I was injured in XX/XX/XXXX and had to have several XXXX. I was not physically able to return to work until XX/XX/XXXX. I was a XXXX XXXX XXXX and was unable to receive unemployment and had no source of income, which is why I was unable to pay Capital One after XX/XX/XXXX. 
Prior to XX/XX/XXXX, XXXX XXXX XXXX XXXX had threatened and harassed me with letters and phone calls. I informed them the debt was over ten years old and they lied and said I had to pay it or they would sue me. They presented the bank with false paperwork regarding the debt and the bank allowed them to levy my account and they fraudulently withdrew {$850.00} from my bank account. The money XXXX XXXX XXXX XXXX stole from me was my rent money and they caused me severe financial and emotional damage. 

XXXX  XXXX XXXX also broke the law as they misrepresented the truth and presented false documentation in court on XX/XX/XXXX as they knew the debt was pass the 4-year time limitation and won a judgement against me for  {$5600.00}. I did not have the money to hire an attorney and the paper work was very confusing, and I have been emotionally distraught and mentally overwhelmed since the court issued a judgment against me for a debt that the date of last actively on the account was over 10 years old and that XXXX XXXX XXXX XXXX would blatantly break the law and violate the Limitation act of 1980 and the Fair Debt Collection Practices Act and file a lawsuit against me for a time barred debt. 

On XX/XX/XXXX XXXX XXXX XXXX seized {$24.00} from my account and are harassing me to make a payment plan with them for the capital One debt that the last day of activity is over ten years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
this is not a duplicate request. 

I received documented proof of my XXXX  student loan accounts being in forebaerance from the XXXX company a couple of weeks ago, I submitted that proof to the Experian, XXXX and XXXX   company to have the incorrect late payment status for the months that the loan was in forbearance status to have my file corrected, I will attach the letter sent to me by the XXXX company again, which shows proof that this loan was in forbearance status from the company themselves. I will attach proof that the XXXX and XXXX company have corrected my record, but the Experian company continues to report these wrongfully reporting late payment dates even after receiving the same documents that was validated by the XXXX company to XXXX and XXXX, also experience is doing the same thing with the wrongfully reported chapter XXXX bankruptcy on my name. XXXX and XXXX have corrected the record for this and Experian has not. I will attach all the same info that I sent time and time again to the Experian company to show proof that they continue to do what they want and not what the law say, and I will also point out that this is considered slander of my name. please remove these inaccurately reporting lates from the navient company and the inaccurately reporting chaptyer XXXX bankruptcy

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 2018-11-10 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: PA

Complaint narrative:
I am a seller on XXXX. I use Paypal as there is no other real choice for sellers on XXXX, Paypal is where the financial transactions from XXXX  sales are done. My XXXX sales are my primary source of income, so when the funds are made available in my Paypal account I transfer the money to my checking account. 

on XX/XX/2018 Paypal placed limitations on my account. The requested! : 1 : Photo ID - Which I submitted 2 : Provide proof of fulfillment - I submitted screenshots of XXXX listing with Shipping tracking # & confirmation of delivery of the order 3 : Provide purchase receipt from your supplier - I submitted an invoice for items I purchased ** This request struck me as intrusive, and bizarre. Why would Paypal be monitoring who my supplier is? Wouldn't XXXX if anyone be asking that? Also, as a seller on XXXX, not all items are supplied. Some are household items, or stuff we want to get rid of ... how could I possibly provide an invoice for that stuff? 

It's 4 days later and the case is still being reviewed. I'm unable to fulfill recently completed auctions, or ship those items as I purchase shipping via XXXX, which debits my Paypal account. 
I have a 100 % Positive feedback score on XXXX. ZERO negative. I've worked very hard to build my reputation. This situation with Paypal is jeopardizing my XXXX seller reputation, my buyer reputation ( I have an item I'm unable to complete the purchase of because again, MY funds are not available to me ) I have a postive account balance. No disputes. No issues from buyers. 
NO PROBLEMS WITH ANYTHING! I spoke with XXXX and they verified my account was in excellent shape, no issues. 

Since the account limitation was placed I have been forced to Cancel orders that I am unable to fulfill costing me nearly {$100.00} in lost sales. 

I am unable to withdrawl my own money, yet Paypal had still collected it's fee for every transaction! If Paypal collects it's fee, the order sent, and received by the buyer, why can paypal prevent me from accessing my own money??? It's unbelievable! It is hurting my ability to make a living, and its preventing me from fulfilling my sales, and obligations. 

Please help me. Calling Paypal takes 2 hours of hold time nly to be told I have to wait. This is hurting people!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-10 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 — Problem with personal statement of dispute
Company: Riverwalk Financial Corporation
State: TX

Complaint narrative:
XXXX XXXX XXXX states that you are bonded in the state of Texas, however you were not bonded till XX/XX/XXXX. XXXX XXXX XXXX purchased the debt XX/XX/XXXX, XXXX XXXX XXXX was not bonded in the state of Texas when the debt was purchased which makes XXXX XXXX XXXX in violation of the TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001.  XXXX XXXX XXXX made several attempts to contact me as well as mailing out collection letters when XXXX XXXX XXXX was not bonded, Sending collections letters and attempts to contact me XXXX XXXX XXXX is acting as a holder, as specified in the Texas Finance Code,  which the case says requires debt holders to obtain a license which was not obtain at that time. Where a holder fails to obtain the required license, it is prohibited by law from acting as a holder, XXXX was unlicensed as a holder, and therefore attempted to collect on a debt it is prohibited from collecting. 
I would like to bring to the attention that I am fully aware that XXXX XXXX XXXX currently has a class action lawsuit against them right now for this exact same reason. Currently all I am requesting is the immediate removal of this tradeline from my XXXX credit report, as XXXX XXXX XXXX has violated the aforementioned laws, you may not sell or assign to another debt collector. Please note I am fully prepared to pursue my rights. I further remind you that you may be liable for your willful non-compliance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Toyota Credit De Puerto Rico Corp.
State: TX

Complaint narrative:
Hello : I paid sold my account to other identity, XXXX XXXX XXXX  send me the document My accoubtvus paid off and i request removed my account from my credit 4 years ago and I show in my credit like open. I want to remove that from my account. 
Thank you

Company response to consumer: Closed with explanation