vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-18 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: CA

Complaint narrative:
I submitted a dispute for the collection of XXXX in the amount of XXXX $ about a month ago. Equifax deleted it. Now 3 days later the collection is back on my report. I have given them the proper documents signifying it is a fraudulent collection account and it still comes on my report. I tried disputing online again but they will not let me dispute without calling in on the phone. I called in on the phone and was transferred to the " Fraud '' department where I sat on hold for over XXXX XXXX  This XXXX XXXX needs to be deleted and stay off my report. I will be contacting the attorney general if Equifax can not properly resolve this fraudulent reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
i contacted transunion on XXXX to inform them that my credit monitoring alerted me that my account had been accessed. the transunion rep stated she could not remove the inquiries, although i had advised her that there was a fraud alert on my file. 

XXXX XXXX Miscellaneous XX/XX/2021 TransUnion XXXX Finance/Personal XX/XX/2021 TransUnion XXXX XXXX  Miscellaneous XX/XX/2021 TransUnion XXXX XXXX XXXX XXXX XX/XX/2021 TransUnion XXXX XXXX Finance/Personal XX/XX/2021 TransUnion

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 2021-05-18 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: LEXISNEXIS
State: NC

Complaint narrative:
On XX/XX/XXXX I contacted Lexis Nexis on a bankruptcy on my file and the did a investigation and wrote a letter to me stating that they could not verify the bankruptcy and it was moved off of my file. On XX/XX/XXXX, I received a letter from Lexis Nexis stating that were responding to my complaint I made on them, which did not have a compliant file on them, I now received a letter from stating this is on my report. I have attached the letter from Lexis Nexis.. Please review the letter and the first repose on XX/XX/XXXX that I received from Lexis Nexis. This should not be on my file. I have sent return receipt to XXXX  which I just received return receipt back from them on the same date that I received Lexis Nexis letter. Please remove this from the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kansas Counselors, Inc.
State: KS

Complaint narrative:
XX/XX/2021 - sent dispute letters to XXXX XXXX XXXX XXXX  to validate the collection account on my report in the amount of # XXXX and # XXXX XX/XX/2021 - sent dispute letters to XXXX XXXX XXXX XXXX XXXX XXXX XXXX again validate the collection amount on my report for the amount of {$280.00} and {$910.00} XX/XX/2021 - sent dispute letters to XXXX XXXX XXXX XXXX  as XXXX as KS Counselors to try and validate the debt/settle the debt because I have still not heard anything from either credit bureaus and ks counselors for the amount of {$280.00} and # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: NY

Complaint narrative:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
American Credit Acceptance ... ..For the last 3 months the account payment status has been reported every 30 days. The status is supposed to be reported each 30 days on the XXXX of the month. I have had to make repeated calls and request to report accurately and each 30 days. Example today is XX/XX/XXXX and the last reporting was supposed to be XX/XX/XXXX however the last reporting was XX/XX/XXXX. It was supposed to be XX/XX/XXXX. It is now XX/XX/XXXX and last months payment status has still not been reported. They state they reported status XX/XX/XXXX and credit bureaus take up to 10 days to update. This is not true. The credit bureaus do not delay reporting status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc.
State: UT

Complaint narrative:
I have requested a security freeze more than 5 times online, through the mail and I tried calling but was not successful. I have provided multiple forms of legal identification and Sage Stream still refused to freeze my file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Boone & Associates Group LLC
State: TX

Complaint narrative:
I received several calls on XXXX to my cell phone from a company called Boone and Associates claiming to be a debt collector for a debt that my husband allegedly owed. After talking to my husband, I realized that the debt was not actually due. However the company continued to call with claims that it would result in " further processing without ( his ) knowledge '' and they would garnish his wages if he did not make payment within two days of the call.

( 1 ) The debt was not his ( 2 ) It is illegal to garnish wages for the kind of debt they mentioned in the state of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I was married, my ex wife signed on an apartment and signed my name with out my permission or acknowledgement. The lease was signed in XXXX of XXXX when she signed the lease I was at military XXXX When I came back I moved in with her with no knowledge of my name being put on the apartment. Shortly after the I moved with her we legally separated for matters I can not disclose in this complaint. Earlier this year of XXXX after years later the property management filed it on my credit as a collection after months of disputing with credit bureaus. I contacted the credit company to request proof of my signature or responsibility. After reviewing the documents the signature us clearly not mine and false i have 100 's of military documents showing and proving my signature and why the two do not match. With that being said the company allowed the other person and party of the lease signature to pay half and removed them from the account with out consulting me or contacting me until the other person paid and removed. With me being left for the remainder balance so i am filing a fraud case now along with this complaint for the supporting documentation to remove me off this file / account nd for them to restore and delete the damages they have caused to my credit and hardships.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I had a HELOC from BOA that I owed XXXX back in 2014. After 180 days of missed payments, BOA charged it off. I recently made an agreement with BOA to settle the debt. The settlement agreement that was paid XXXX in XXXX of this year. I sent it to the attorney who was working to collect the debt. Looking at my credit report, the debt is still reflecting on my record as an unpaid charge-off. I disputed this item with the Credit Bureaus about the tradelines on my credit report was outdated and erroneous. In response to the dispute, the credit bureaus communicated with BOA about receiving payment from me, and BOA expressed that a payment was not made to them from me.

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 2021-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The information being reported on my credit report is more than seven years old from the first date of delinquency and exceeds the statutory time period under this Act, and must be removed. 

The XXXX XXXX account 1st date of delinquency is being reported as XX/XX/XXXX on my Equifax credit report. The actual 1st date of delinquency is XX/XX/XXXX as was reported on my XXXX credit report XXXX attached ). The actual 1st date of delinquency makes this account over seven years old and therefore outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Coast to Coast Financial Solutions, Inc.
State: CA

Complaint narrative:
For the past several months, I have reached out to Coast to Coast in regard to a collection account they have placed on my credit. I have not been successful in getting the matter resolved which is why I have elected to file this complaint. I have no knowledge of what the account is for because I was never contacted by them- they just placed the debt on my credit. Additionally, I HAVE BEEN A VICTIM OF FRAUD. I have a police report on record- the bureaus have it and i filed a complaint with the FTC XXXX Again- I have no knowledge of account number XXXX AND I AM REQUESTING THE FRAUDULENT ACCOUNT AND IT'S FRAUDULENT PAYMENT HISTORY BE EXPUNGED FROM MY CREDIT IMMEDIATELY!!

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 2021-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Every time I add an authorized user they restrict ALLLL my accounts. They state they need to verify identity on THE EXACT same individuals they have already verified identity on. They do not even give any notice they have restricted all accounts to verify one acct that they already social securities and front and back id cards on. These individuals are listed and been verified on at least 10 other accts yet Capital One insists on restricting accts and making me submit and resubmit and resubmit these people 's identification. I have had to literally make a photo album for all these people to carry around in my phone so their identification can be compromised if my phone is ever lost or stolen just to add them and help them build their credit. Now you attempt to send these documents to a link they that anytime you attempt to send a piece of information is just stays on the page and never uploads the information. Their identifications have already been verified on Capital Ones acct listed below XXXX XXXX ( mother XXXX accts XXXX and business acct card XXXX XXXX XXXX XXXX brother XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX my brother ) acct XXXX XXXX XXXX acct also restricted for adding same authorized users that's already been verified under XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: CA

Complaint narrative:
I submitted a dispute for the collection of XXXX in the amount of XXXX $ about a month ago. Equifax deleted it. Now 3 days later the collection is back on my report. I have given them the proper documents signifying it is a fraudulent collection account and it still comes on my report. I tried disputing online again but they will not let me dispute without calling in on the phone. I called in on the phone and was transferred to the " Fraud '' department where I sat on hold for over XXXX XXXX. This XXXX XXXX needs to be deleted and stay off my report. I will be contacting the attorney general if Equifax can not properly resolve this fraudulent reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
Comenity Capital Bank applied a {$1900.00} promotional finance adjustment. The regular payment schedule set by Comenity was not sufficient to pay the account in full within the 24 month promotional period as I intended. 

In XX/XX/XXXX, I purchased my hearing aides from XXXX XXXX XXXX for {$5900.00}. XXXX XXXX XXXX offered exclusive no interest promotional financing through Comenity Capital Bank. I accepted the offer & agreed to pay the full amount with 24 equal automatic payments. There was confusion with Comenity at the start of the contract period because the automated payment schedule was not set up. The Comenity representative calculated & proposed a payment schedule. The amount was Ultimately automated payments began XX/XX/XXXX. An attachment lists all payments made to Comenity. 

Only recently after receiving a payment due notice XX/XX/XXXX from Comenity Bank did I realize a problem existed with my account. I only understood the issue after the fact & after contacting both XXXX XXXX XXXX & Comenity Bank. The regular monthly payment was not sufficient and left the balance of {$650.00} at the end of the 24 month promotion. As a result, Comenity assessed over {$2000.00} in finance & late charges in XXXX which I only saw after the XX/XX/XXXX Comenity late-payment notice. 

I paid each monthly payment via ACH & accepted paperless statements for economy and convenience. The impending balance on the promotional account went unnoticed by me. As soon as I noticed an outstanding balance and researched the circumstances, I paid Comenity Bank the XX/XX/XXXX {$650.00} balance. I appealed the additional charges with Comenity Bank. Comenity Bank senior representative XXXX politely repeatedly cited the contract terms but denied my request to dismiss the additional finance charges. Comenity has not responded to my secure email request for an appeal. 

I contacted XXXX XXXX XXXX again, appealing for assistance to clear the dispute. XXXX XXXXXXXX XXXX VP of Sales responded that the bank is obligated to split the sum of the entire purchase into 24 equal payments and not reduce the payment amount in any way to deceive you and cause you to default and incur interest. Since Comenity calculates the monthly payments, " privacy policies prohibit me from discussing your account with your bank ''. 

The harsh penalty is unacceptable to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
I have had a Paypak account for several years. In XXXX I changed the phone number of the account. They would not. update the log in phone number after several written and verbal requests. In mid XXXX my phone was stolen, so I purchased a new phone and used a new number. 
When I attempted to contact Paypal is would not let me log in as I did not have access to the old phone, which is where the verification code was being sent. 
I contacted Paypal via phone. At first I was told there was nothing that could be done as his department did not have authorization to change phone numbers in the system. 

I contacted a second time and the man was able to update my phone number, but I still could not access my account of the monies in it. He told me to add a new account. 

After adding the new account I called customer service again to request the funds be transferred from the old account to the new one. I was informed that was not allowed in their system.

I tried calling 2 more times with the same response. 

I recalled the department manager and was told they did not have access or authorization or access to transfer funds. 
When I asked how I could access my funds, the response was you can't. I asked if there was someone else I could speak with and was told he had no one to transfer me to that would be able to help. 

To date I do not have access to my old account and the money that has been paid into it is still unavailable. in is still unavailable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CO

Complaint narrative:
I've registered for an account online and successfully registered auto pay with them. They can't confirm the account details I used to schedule their autopayments - they say that the first payment scheduled was denied. Their online portal contains significant issues. If I attempted to register a bank account for payment, I receive registration errors. Their auto-pay service windows tells me my next scheduled payment is for XXXX/XXXX/XXXX I attempted a payment to bring the account current but the payment was immediately returned ( I can not verify what account numbers they are using because they say they can not access them but I verified them multiple times before submitting ). Their system is not reliably scheduling payment or executing payments to the account I requested to pay from. I have checked with my banking institution and they say they haven't received any payment request from Citizen 's One. They didn't notify me that my payment failed and it doesn't reflect in their online portal. I have spoken with them and am attempting to bring my account current but my biggest issue is that they are now going to report delinquent marks on my credit report for a failure of their payment services. When I spoke to them, I learned that their website doesn't successfully work with the browser I was using, XXXX however there is no messaging anywhere indicating that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
The information being reported on my credit report is more than seven years old from the first date of delinquency and exceeds the statutory time period under this Act, and must be removed. 

The SANTANDER USA account 1st date of delinquency is being reported as XX/XX/XXXX on my XXXX  credit report. The actual 1st date of delinquency is XX/XX/XXXX as was reported on my XXXX credit report ( attached ). The actual 1st date of delinquency makes this account over seven years old and therefore outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I checked my credit report and I have a negative 28points meaning 28 points subtracted from my Equifax credit score for XXXX XXXX it reads a remark is added to your account from XXXX  XXXXI called XXXX XXXX I was told everything was fine on there end. I called Equifax ( thats the only one reporting this so far XXXX they said it came from XXXX XXXX. I have a XXXX balance and never been late on this account opened about 2 years ago. Im trying to buy a house and this information is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
PayPal stole fees from me the seller and ruled for the buyer under the guise of 'Buyer and Seller protections ', yet when offered a reason how this protected me they stated on a call to me that 'I protected myself ', and I must ask what exactly I am paying for seller protection for if I had to protect myself and why this fee is legal???

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-18 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: IL

Complaint narrative:
I have waited the 180 days policy for Paypal. They are holding my money and not giving me a email to how to release. Paypal closed my account for know reason, i would like to be able to retrieve my funds. I would like them to fox this situation because i reached out past the 180 days.

Company response to consumer: Closed with explanation