vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-26 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: FL

Complaint narrative:
Attempted to validate alledged debt with XXXX XXXX Acct # XXXX with all 3 bredit bureaus and they failed to provide the proper validation documents requested. On top of that the information on the report in regards to the alledged debt is very incorrect. 

I can point out the the ORIGINAL CREDITOR was XXXX XXXX and it also states that the account is in collections with a collections agency. If that is the case, under the guidelines, the balance reported should be {$0.00} ; which it is not on the credit reports ( a snip is attached for you to review ). 

Also, a validation letter came from a company called XXXX XXXX who claims they now own the alledged debt. Also in the letter they provided a copy of the bill which states the amount due is only {$1700.00} and on the credit report it is different along with the amount that shows on their validation letter. None of this information matches up and the line item needs to be taken off immediately. 

XXXX XXXX or XXXX is a third-party debt collection agency based in Florida. XXXX has received consumer complaints alleging violations of the Fair Debt Collection Practices Act ( FDCPA ), including improper contact or sharing of information and threatening to take actions that can not legally be taken. 

As of XX/XX/2017, the XXXX XXXX XXXX reported 508 closed XXXX XXXX complaints over the previous few decades, including 231 closed complaints over the past 12 months. Nevertheless, the XXXX   provides XXXX an A+ rating. Additionally, XXXX lists 37 XXXX complaints filed in federal court in the past year alleging violations of the Fair Debt Collection Practices Act, eight alleging violations of the Fair Credit Reporting Act, and one alleging violations of the Telephone Consumer Protection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 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: FL

Complaint narrative:
Attempted to validate alledged debt with XXXX XXXX Acct # XXXX with all 3 bredit bureaus and they failed to provide the proper validation documents requested. On top of that the information on the report in regards to the alledged debt is very incorrect. 

I can point out the the ORIGINAL CREDITOR was XXXX XXXX and it also states that the account is in collections with a collections agency. If that is the case, under the guidelines, the balance reported should be {$0.00} ; which it is not on the credit reports ( a snip is attached for you to review ). 

Also, a validation letter came from a company called XXXX XXXX who claims they now own the alledged debt. Also in the letter they provided a copy of the bill which states the amount due is only {$1700.00} and on the credit report it is different along with the amount that shows on their validation letter. None of this information matches up and the line item needs to be taken off immediately. 

XXXX XXXX or XXXX is a third-party debt collection agency based in Florida. XXXX has received consumer complaints alleging violations of the Fair Debt Collection Practices Act ( FDCPA ), including improper contact or sharing of information and threatening to take actions that can not legally be taken. 

As of XX/XX/2017, the XXXX XXXX XXXX reported 508 closed XXXX XXXX complaints over the previous few decades, including 231 closed complaints over the past 12 months. Nevertheless, the XXXX   provides XXXX an A+ rating. Additionally, XXXX lists 37 XXXX complaints filed in federal court in the past year alleging violations of the Fair Debt Collection Practices Act, eight alleging violations of the Fair Credit Reporting Act, and one alleging violations of the Telephone Consumer Protection 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 non-monetary relief
Consumer complaint received 2018-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX Acc # XXXX I have been disputing this account for over a year and i have ask for verification of this account they send me nothing back not a contract nothing from that specific bank always come back as verified and nothing else my last letter Ive ask for a fair investigation about the account or else i was going to file a complaint i got the same response account verified they dont tell me how its verified or send me nothing back a contract something with my signature on it

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 2018-09-26 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: TX

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXXXXXX XXXX in the amount of {$71.00} XXXX XXXX XXXX in the amount of {$920.00} XXXX XXXX have notified me that they have communicated to you to delete 2 accounts in the amounts of {$310.00}. Yet you are still reporting them on my credit file. If these are not removed I will be definitely be forced to sue. How can you report something that even XXXXXXXX XXXX have deemed to not belong to me. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
account is missing the Terms, the Actual Payment Amount, and the Date of Last Activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Paypal would not let me delete my bank card. and their website doesnt work correctly most of the time! 
I wanted to purchase something through XXXX with an XXXX gift card. Someone through pay pal 's XXXX system, it tried to take the money out of my old bank account that I do not use anymore ( XXXX XXXX  ). As a result that bank gave me several fees totalling over {$120.00}!! And paypal somehow authorized the transaction and now say that I owe them money!! 
I was trying to use a gift card throuogh XXXX!! 
Pay pal, it is their fault the whole mess happened. 
And they never should have authorized that payment to go through and the so-called negative balance with a paypal account that I have no kNOWELEDGE OF!! 
PAYPAL SHOULD BE FINED FOR BAD BUSINESS PRACTICES, CAN NOT ACCESS OUR BANK INFO, AND CAN NOT DELETE OUR BANK CARD WHEN WE HAVE TO DELETE IT!! 
AND THEY NEVER SHOULD HAVE AUTHORIZED THE MONEY TO GO THROUOGH SO I OWE THEM MONEY?????? NOT!! I WAS GOING TO PAY THE ITEM THROUGH AN XXXX GIFT CARD, NOT PAYPAL!! I DO NOT EVEN HAVE A BANK ACCOUNT, THEY OWE ME AT LEAST {$120.00} IN BANK FEES!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-26 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Since XX/XX/XXXX My credit began to loose points for unknown reason. I contacted EQUIFAX 10 times online, to know the reason of the lost. I have 10 confirmation numbers in proof of my requests. The last one suggested me to chat online. I have 4 transcriptions online saying, they can not help. I spent over a month trying to get an answer, but EQUIFAX customer service was unable to provided me with an answer. 
I run my credit on XX/XX/XXXX and my credit scores were correctly reported. I did again on XX/XX/XXXX ( I didn't requests any credit or did nothing financially that can be considered to lower my credit scores ) I requested 10 times in writing an answer online and called over 7 times. But I can show transcriptions that looks as games.. EQUIFAX customer service is one of the worst humiliating experiences I have in this area. Please help me, I need to know the reason why my credit is loosing points. I work very hard to keep an outstanding credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: DC

Complaint narrative:
I have reached out to Debt Recovery Solutions and requested validation of this debt as I did not have a account with XXXX. 

I have not received anything back after several attempts to resolve the matter myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. He was notified by Bank of America ( BOA ) of a fraudulent application submitted with his information without his consent for an account ( acct # XXXX ). The current balance of that account is unknown but the account has a limit of {$800000.00} dollars. A formal dispute of this account was mailed certified with return receipt to Bank of America fraud department XX/XX/2018. A reply was received by this office concerning " an attempt to add a POA to the account. '' That was not the intent and it stood to verify BOA did not read or review the dispute information that was provided. A second official dispute was mailed certified with return receipt to BOA XX/XX/2018 and as of this date BOA has failed to reply or update the status of their investigation as is their obligation under FCRA. This action is a violation of my client 's federal consumer rights.

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 2018-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
on XX/XX/XXXX I was reached out by a potential employer under " XXXX XXXXXXXX XXXX '', they had all of my information ; address, name, a phone number. I was told to deposit a check in the amount of {$4900.00} which was mailed to me via USPS ( tracking # XXXX XXXX. The check arrived on XX/XX/XXXX and was deposited to my account by me on the same day. On the XX/XX/XXXX, the check was CLEARED by the bank and funded into my account. I proceeded to believe this possible employer after the bank made funds available, the instructions were to withdraw {$4200.00} from the account and keep {$750.00} as payment for the week. Once the money was withdrawn I was to deposit the money in cash to a XXXX XXXX under account # XXXX under the name XXXX XXXX an alleged orphanage leader. The same night on the XX/XX/XXXX the check was returned and labeled Altered/Fictitious by the bank. I submitted a police report on XX/XX/XXXX ( report # XXXX ) and I was told by the bank branch near me to submit a report first before making a claim, something that I did immediately. I was given a phone number to which I called and was made feel as if I were a criminal, the bank representatives refused to help or take any further action with the police report number. All I was told was that my account was going to be shut down and I would never be able to do business with Chase again. Furthermore, after escalating the call to a manager, I was hung up on 3 times. I was never irate or disrespectful, I was only trying to understand the justification for their acts. One rep on a recorded line told me that sometimes checks like these " slip '' through the system. Should I bare all of the responsibility when I trusted the bank to authenticate and fund me transactions that are legitimate? I was given no further word from the bank, only a request for full payment and threats of never being able to open a bank account again " We are a financial institution, not a charity ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American First Finance, Inc.
State: MO

Complaint narrative:
My complaint is with a company named American First Finance. A few years ago, I had car repairs done XXXX. I financed the repairs through American First Finance. My vehicle was never fixed, I made a couple of payments to this finance company while I tried to work out the issues of my vehicle. After having to continuously take my vehicle to this shop for numerous issues I decided to take it to another repair shop. I was informed by a different shop that I needed the same repairs that I had been told I had repaired at XXXX. Needless to say XXXX, didn't care that I had receipts from another shop showing they DID NOT MAKE ANY REPAIRS TO MY VEHICLE. None the less I reached out to American First years ago and no one ever investigated my claim. All they did was continue to send me bills. They closed the account in XX/XX/2015 and reported to the credit bureau that I made 2 payments and now the account is closed. Just recently, they keep reporting to the credit bureau that I have missed payments or late payments. They also have changed the amount I owe. I have not received any letters from this creditor stating the amount I owe or why the amount I owe went from XXXX listed XX/XX/2015 on my credit report and then from every month and year after that {$1800.00} so now its saying I owe {$2600.00} ( again ) I have not received any info from this company in regards to what I owe in over 3 years. And when you call them no one will send you anything in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: NAM National Arbitration and Mediation
State: NY

Complaint narrative:
I received a two phone calls from telephone number XXXX on XX/XX/XXXX and XX/XX/XXXX. I called the number and heard a recorded message identifying the caller as the XXXX XXXX and requesting that I leave a message with my contact information for a call back. I had previously complained about a threatening call from this scammer back in XX/XX/XXXX falsely claiming that I owed an unpaid debt to XXXX since XXXX. I was threatened with arrest and a lawsuit if I did not comply with their demands. I reported this incident and I also requested to have my credit report locked to prevent fraudulent charges on my accounts, since the scammer had some of my personal information, including my address, DOB and Soc. Sec. number.

Company response to consumer: Untimely response
Consumer complaint received 2018-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX Acc # XXXX I have been disputing this account for over a year and i have ask for verification of this account they send me nothing back not a contract nothing from that specific bank always come back as verified and nothing else my last letter Ive ask for a fair investigation about the account or else i was going to file a complaint i got the same response account verified they dont tell me how its verified or send me nothing back a contract something with my signature on it

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 2018-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
On XX/XX/2018, XXXX  XXXX made a hard inquiry on my Equifax credit report that I did not authorize. 

I made a dispute and on the XX/XX/XXXX they said it was legit but if I had a problem with it that I had to call XXXX XXXX. 

I called XXXX  XXXX and they said they couldn't help me because I did not have a XXXX Social Insurance number. They said I had to call XXXX XXXX. XXXX XXXX said they couldn't tell what the problem was and that I have to go through this portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Last Friday, when I was driving, I got a phone call from XXXX, the speaker told me that they will mail me a letter next 10 days. 

Yesterday, I got this call again, they said that they will mail me the letter next 7 days. The caller said that I have opened the card in XX/XX/XXXX, but the fact is that I opened the card in XX/XX/XXXX. I had to ask to get an interpreter for me, and I was told that I need wait for one hour, so I told them that I am going to go on an international trip next week. I hoped that they could email the letter so that I could get the information quickly otherwise I will not read the letter next month. They agreed that, and we have checked my email box address. 

Today, I got the call again, and I was told that they will mail me the letter next 7 days. 
This is Chase bank customer service : they did not show any sincere to me. 
Knowing in advance that my English is not good, but the person spoke deliberately fast to confuses me. In fact, I even did not recognize the person is male or female because of the speaker 's speaking so quickly. I hope they can take their customers seriously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
Mr Cooper has messed up my VA loan. They started charging me for property taxes even though I am exempt from property taxes. It messed up my escrow and they started charging {$500.00} extra. Now they are saying I am behind and have totally messed up my payments and credits score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 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: VA

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018, I sent Equifax several letters requesting that send me the results of an investigation, they completed involving inaccurate on my credit file. One response they sent back stated that the " Public Record was not reporting ''. The unauthorized inquires they stated they were " accurate '' and if I believed them not to be then I needed to contact the creditor. 1. I never received the information on how they verified as requested. Then I noticed that the public record was re-added to my file without notification. This is a clear violation of the FCRA and a blatant disregard for the law. I would like my file to updated and negative items be removed within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
My student loans started with Sallie Mae. They moved to Navient and my student loan is twice the amount I originally started with. I tried to work things out with them with the income driven repayment. I still couldnt understand how my loan doubled. I received an email yesterday on XX/XX/18 stating that they made a mistake in did not add capitalization fees and they are adding on fees and making my monthly payment higher. I was on the phone with Navient and they stated this happened to a lot of people. What I dont understand is I contacted the Federal Student aid to help me lower payments and interest two days prior and now its getting raised and the supposedly made a mistake. I tried to contact them for help today and they said there was nothing they can do. I told them I do not want to pay because I feel like I am getting screwed and they stated they can not take my payment off. What can I do!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I contacted TransUnion credit reporting about an incorrect account reporting on my personal credit bureau. The account reports that an XXXX XXXX   account was included in a Bankruptcy which it was not. TransUnion credit reporting refuses to remove the 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