vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-01 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: LD Holdings Group, LLC
State: FL

Complaint narrative:
Based on case # XXXX, Loandepot documented that it's company had made a system error by reporting to all three credit agencies negatively impacting my credit. To this date, all three credit bureaus have not received all correct information and are still reflecting negative credit. I have already been denied credit due to the erroneous error on Loandepot 's system behave and has caused me over thousands of dollars of credit. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 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: NJ

Complaint narrative:
This account is currently under dispute Account info Account name XXXX  XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$270.00} written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Credit limit {$300.00} Highest balance {$340.00} Terms NA this has been going on for 8 months all others removed it but Experian

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 2021-08-01 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: AES/PHEAA
State: FL

Complaint narrative:
I have a XXXX account and 3 XXXX accounts that were originally managed by AES, that first went delinquent in XX/XX/XXXX. I have tried to dispute this 3 times with the credit bureaus XXXX  and XXXX  and XXXX/AES directly. XXXX and AES is trying to say that my account first went delinquent in XX/XX/XXXX. AES originally had these accounts and sent it to XXXX and XXXX in XX/XX/XXXXbecause it was delinquent and charged off in XX/XX/XXXX. This however, is not the original delinquency date. They are trying to say that I was in deferment but these loans did not qualify for deferment. I have submitted my credit report showing the negative reporting since XX/XX/XXXX. I have submitted the payment history. I even submitted the collection agency and payments I made to them. These accounts are over XXXX years old and need to be removed from my credit. XXXX/AES is refusing to remove it. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma, LLC
State: NC

Complaint narrative:
Credit Karma heavily advertises its credit card on XXXX claiming free food, gas and other items without any disclaimers or actual information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 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: OH

Complaint narrative:
The XXXX XXXX XXXX has reported an installment loan on my Equifax credit report in the last 3 or 4 months that I NEVER applied for nor borrowed. This item has been disputed with Equifax to no avail. I personally consider this to be fraud on XXXX XXXX XXXX XXXX part due to falsifying my credit report. It looks to be a {$2000.00} installment loan for 12 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of Identity theft. The XXXX Credit Card on my credit report is not my account and should be removed from all reporting agencies.

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 2021-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I submitted a complaint to you ( complaint # XXXX ), because Bank of America refused to close my credit card account. I have paid them in full and even had a credit balance ; sent them a letter then contacted you.

After submitting my complaint to you, I received a letter from Bank of America, ( dated XX/XX/2021 ), stating that my account ending in XXXX had been closed. 

Additionally, I received an email from you advising me that the case had been resolved and closed. It appears that it has NOT been resolved. 

On XX/XX/2021, I received a statement from them wherein, the not only took my credit balance, but advised me of upcoming service fees AND late fee penalties, if the service fees were not paid!!

They apparently HAVE NOT CLOSED MY ACCOUNT.

Can you Please assist me in getting BOA to close my credit card account, as I no longer wish to have this credit card account open.

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 2021-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I operate an account for a nonprofit that helps fight veteran XXXX and suicide on PayPal. On XX/XX/2021 we received a donation from an individual who had conducted a legal raffle of a custom-made duck call. He conducted this raffle on his own, he's unaffiliated with our organization, and he did not use PayPal to conduct the raffle. He simply donated the proceeds to our organization to help in the fight against veteran XXXX and XXXX  and to signify who the donation was received from he put " duck call raffle '' in the comments on the donation. 

Out of the blue on XX/XX/2021 we received a notification that we were no longer allowed to use PayPal services because a " review '' had determined we had " violated the user agreement. '' It further stated that we were not allowed to access our funds, remove our funds, or transfer our funds until they decided to contact us in 180 days. I was confused and disheartened as we had not done anything to warrant this, and now our team was stuck without all the money we worked hard to raise for our cause for the next 180 days without anyone even offering us an explanation. 

I quickly learned that the system had flagged the word " raffle '' in the comments on that individual 's donation and that's what led to the ban. I figured this would be easy to explain and remedie, but boy was I wrong. I tried calling several times, yet no matter what time of day it was or what day it was I received " no agents available, call back during business hours '' messages. I tried virtual communication through their chat service and got nothing but " no agents available, try back during business hours '' messages. I tried sending emails, and got no reply. Finally I tried contacting customer service through my personal account and quickly reached someone. 

I went through dozens of representatives who gave me the gamut of directing me to the FAQ page to telling me that I had to contact them using the affected account. One agent even called me and allowed me to explain, said that she understood, and that my account would be unlocked in 48-72 hours. Yet, a week later, still locked. I have tried and tried and tried but PayPal refuses to give any avenues for remediation of the supposed violation of their user agreement, they've illegally seized all of the money our organization had raised, and expect us to operate without it for 180 days. Furthermore, their very own message says that we can refund the transactions, yet if you try it says that it can't be done. They've effectively just stolen our money. 

After a short investigation, I've found dozens of other people who have been victimized by this company in the same fashion. PLEASE don't let them get away with this!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Since XX/XX/2021 I have been trying to dispute XXXX, XXXX and XXXX XXXX with all 3 credit bureaus. I have requested for the bureaus to send me proof of their verification with documentation. XXXX the original creditor nor Vehicle Solutions HAS NOT been investigated AT ALL since XXXX ; therefore the bureaus has disregarding my rights as a consumer and have passed the timeframe allowed of 30-45 calendar days to complete an investigation. The bureaus has even passed the 60 day timeframe after numerous request for verification. I have also informed the bureaus in recent disputes that they are reporting incorrect last active dates for XXXX and XXXX which has caused this account to re-age which is a HUGE violation for FCRA and FCDPA. I would think that bureaus would have more respect me as a consumer and had completed these investigations. The burden of proof is on the Bureaus. Being that XXXX nor XXXXXXXX XXXX were never verified by the bureaus I am requesting permanent deletion from my credit profile. XXXX  please DO NOT send me back a generic response of which you are known for stating that you need authorization. Please consider this my written authorization for this complaint as well I have attached a copy of my proof of identification. You have stalled and prolonged of enough time and if this is not handled I will have to take matters further and get a consumer attorney and file a complaint with FTC as well. I keep excellent records so please do not disregard this complaint. 

Thank You

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 2021-08-01 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: FL

Complaint narrative:
Since XX/XX/2021 I have been trying to dispute XXXX, XXXX and XXXX XXXX with all 3 credit bureaus. I have requested for the bureaus to send me proof of their verification with documentation. XXXX the original creditor nor XXXX XXXX  HAS NOT been investigated AT ALL since XXXX ; therefore the bureaus has disregarding my rights as a consumer and have passed the timeframe allowed of 30-45 calendar days to complete an investigation. The bureaus has even passed the 60 day timeframe after numerous request for verification. I have also informed the bureaus in recent disputes that they are reporting incorrect last active dates for XXXX and XXXX which has caused this account to re-age which is a HUGE violation for FCRA and FCDPA. I would think that bureaus would have more respect me as a consumer and had completed these investigations. The burden of proof is on the Bureaus. Being that XXXX nor XXXX XXXX were never verified by the bureaus I am requesting permanent deletion from my credit profile. XXXX please DO NOT send me back a generic response of which you are known for stating that you need authorization. Please consider this my written authorization for this complaint as well I have attached a copy of my proof of identification. You have stalled and prolonged of enough time and if this is not handled I will have to take matters further and get a consumer attorney and file a complaint with FTC as well. I keep excellent records so please do not disregard this complaint. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: VA

Complaint narrative:
I called the GLA company to ask for more information about the alleged debt owed. I did not get any relevant information outside of someone used my identification at a medical facility therefore causing the accrued debt to be mine. I have 100 % medical coverage so even if I did go to the hospital parts of, if not all of the expenses would be covered.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 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: DE

Complaint narrative:
On XX/XX/2021, I wrote a letter requesting an investigation into items that I believed were INACCURATE. To date, I have not received a reply from the bureaus or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again. I give XXXX, XXXX, and Equifax authorization to investigate issues outlined in the letters I submitted. Thanks for your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE

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 2021-08-01 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
After my purse was stolen my identity became comprised, place on the dark web and all. I learned of this after I pulled my credit file. The following accounts are unknown and unauthorized by me, therefore Im demanding that these accounts be removes imnediately. 

1. XXXX XXXX XXXXXXXX {$790.00} 2. XXXX XXXX {$790.00} 3. XXXX XXXX {$170.00} 4. XXXX XXXX {$92.00} 5. XXXX XXXX {$1100.00} 6. XXXX {$96.00} 7. XXXX XXXX XXXX {$850.00} 8. XXXX XXXX XXXX {$20.00} 9. XXXX XXXX XXXX {$35.00} 10. XXXX XXXX XXXX {$47.00} 11. XXXX XXXX XXXX {$16.00} 12. XXXX XXXX XXXX {$710.00} 13. XXXX XXXX XXXX {$75.00} 14. XXXX XXXX {$580.00}

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 2021-08-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I am writing to request correction of the error described below in regard to the mortgage on my property. My mortgage company failed to credit the payment I made on XX/XX/2020 debited from my Financial Institution ( XXXX XXXX XXXX XXXX XXXX ) via XXXX XXXX on XX/XX/2020 in the amount of {$4700.00} as of the date of receipt. This was to cover the following said period mortgage payments : XX/XX/2020 - {$1100.00} XX/XX/2020 - {$1100.00} XX/XX/2020 - {$1100.00} XX/XX/2020 - {$1100.00} I have enclosed a verification letter from my Financial Institution as to said funds have not been returned along with a copy showing where the funds have been debited from the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 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: SC

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, d

eposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have attempted to get my annual free report from transunion for 4 weeks and I am unable to have the report delievered to 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 non-monetary relief
Consumer complaint received 2021-08-01 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: SC

Complaint narrative:
Their has been unauthorized use of my credit report. I submitted a dispute with the credit bureaus on XX/XX/XXXX in regards to unauthorized, inaccurate, and fraudulent accounts on my credit report. This is unacceptable and in violation with the FCRA and FDCPA. A furnisher must not furnish inaccurate consumer information to a Credit reporting agency, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate, fraudulent, or incomplete. I will bring this matter to the attention of the better business bureau and the office of attorney general of SC. Ive been affect by the XXXX Equifax data breach and XXXX XXXX  data breach. Someone is using my identity to do things I have not authorized or the credit bureaus is reporting another person information on my credit profile. I am the original creditor, only I can validate these accounts. I do not validate these accounts. Therefore, the following accounts must be deleted from my report. I will seek litigation and {$1000.00} per violation for Defamation, Negligent Enablement of Identity Fraud, Violations if these accounts are not deleted immediately off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC
State: GA

Complaint narrative:
Loan Fraud : GreenSky LLC Acct. # XXXX An XXXX  XXXX XXXX XXXX representative offered to do home improvements about 6 years ago for {$8200.00} at 3 % APR for only {$95.00} a month. When I got the bill it said, " Greensky. '' " interest rate : 5.99 %. '' I was annoyed that it was higher than quoted, but I thought that was still a good annual percentage rate for home improvements. 
The work was done. I have been making monthly payments, on time, all these years, and I noticed that I still owe more than half of the original {$8200.00}. I must have paid out almost {$6800.00} by now, and the current bill says that the balance due is {$4400.00}. 
I just used my calculator and ( even at 5.99 % instead of 3 % ) 5.99 % of {$8200.00} is {$490.00} {$8200.00} + {$490.00} = {$8700.00} {$8700.00} - {$6800.00} = {$1900.00} I should owe that amount, not {$4400.00}. 
Then I realized the 5.99 % is a monthly rate. Does that mean the annual rate is really 71.88 %?? The kicker is, I'm XXXX. I sold that house 3 years ago and didn't pay off the loan because the interest was so low.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Advanced Recovery Systems, Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Floowood XXXX XXXX Sirs or Madam, I sent a debt validation letter x2 on the following dates XX/XX/2021, and XX/XX/2021 each time this company has failed to validate my debt. Instead they sent a list of my medical records which I know is a direct violation of HIPAA regulations. I never signed a HIPAA form authorizing them to have access to this information. Please cease all collections activities immediately.

Company response to consumer: Closed with explanation