vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-27 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: CA

Complaint narrative:
I have asked in written form numerous of times for the credit bureau to investigate and provide method of verification to me regarding the inaccurate errors on my credit report. To this date that have not but yet these errors still remain on my credit report. The law states that must verify this incorrect information and provide me with their method of verification, they have not done so, so by law they have to remove the errors.

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 2021-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I received a text message from a close friend which who I had spoken to 2-3 hours prior requesting I send her money due to a family emergency. She requested I send her {$450.00} because her card wasnt working and she had to pay a friend named XXXX XXXX XXXX, ( XXXX ). She asked me to send it through Zelle or XXXX. I had sent the money through Zelle and minutes after received a call from my friend saying that her XXXX was hacked and not to send any money because they had just scammed her cousin {$700.00}. My friends phone number is XXXX which the scammer still has access too. I called my bank and they said they werent able to help me because the transaction completed, please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: NY

Complaint narrative:
On a monthly basis dating back to last year I have attempted to have several accounts that are inaccurately reporting payments and account ownership removed. It is my understanding that under FCRA it is illegal for accounts to be misreporting payments. XXXX XXXX  and Equifax have all misreported and allowed them to continuously make statements without doing their due diligence for accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: NY

Complaint narrative:
On a monthly basis dating back to last year I have attempted to have several accounts that are inaccurately reporting payments and account ownership removed. It is my understanding that under FCRA it is illegal for accounts to be misreporting payments. XXXX Experian and XXXX have all misreported and allowed them to continuously make statements without doing their due diligence for accuracy.

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 2021-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
i was involved in a real estate fraud where i tried to purchase property in new jersey and never received the property after being contacted online by a company called XXXX. The merchant took my info and opened up an a credit card with XXXX  XXXX XXXX, XXXX and capital one. The merchant then took my card and charged it to an XXXX and kept stringing me along telling me they would purchase the property but never purchased any property and then said they would refund and never did. and then disappeared. I have a theft police case with XXXX XXXX for these charges on my account, the police case number is XXXX but capital one will not dispute these charges saying they do not see any signs of fraud but i was clueless that these were thieves and it was all a scam and they stole the money. All the charges made on the card was by this company during XX/XX/XXXX - XX/XX/XXXX 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On a monthly basis dating back to last year I have attempted to have several accounts that are inaccurately reporting payments and account ownership removed. It is my understanding that under FCRA it is illegal for accounts to be misreporting payments. Transunion, XXXX and XXXX  have all misreported and allowed them to continuously make statements without doing their due diligence for accuracy.

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 2021-04-27 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX remove the bankruptcy information from my consumer report you are violating my privacy, right to credit.. 

Pursuant section 605. Requirements relating to information contained in consumer reports ( a ) ( 1 ) ... bankruptcy information is to be excluded from a consumers report. VIOLATION {$1000.00} fine ... .Bankruptcy info reads XXXX ; the release of a debtor from monetary obligations upon ADJUDICATION. Adjudication ; legal process of of resolving a dispute, the process of judicially deciding a case. 

The Fair Credit Reporting Act clearing directs consumer reporting agencies, no consumer reporting agency may NOT make any consumer report containing any of the following info ... .cadres under title 11 or the bankruptcy act ... 

XXXX followed instructions and removed all information, see attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Several times I reach out to Equifax to dispute or update information and I get the response you will see below. I have sent in the items plus additional proof they ask for several times but to no avail. Meanwhile Im not able to view or correct any inaccuracies on my file. After yet again trying to make a dispute ( based off what I see from a few credit apps I use ) I get the same response from Equifax. I received the bottom notice after trying for second time to dispute an inquiry from XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: GA

Complaint narrative:
Im submitting this complaint against XXXX Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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:
Im submitting this complaint against XXXX Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I was refused a XXXX XXXX card because my credit score and or Fico has not been available for about six months. I have tried to access my score from all three credit reporting agencies and they do not have a score for me. The screen will say that my score is a XXXX and that is the score I need for this card. 

It is also an identify theft crime from XXXX men because i am not interested in XXXX women for XXXX. So they are both fighting me any and every way they both can. I am trying to file with the XXXX XXXX XXXX because it is unlawful. I am trying to get a mortgage and they are using hate tactics at 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 2021-04-27 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I was refused a XXXX XXXX card because my credit score and or Fico has not been available for about six months. I have tried to access my score from all three credit reporting agencies and they do not have a score for me. The screen will say that my score is a XXXX and that is the score I need for this card. 

It is also an identify theft crime from XXXX men because i am not interested in XXXX women for XXXX. So they are both fighting me any and every way they both can. I am trying to file with the XXXX XXXX XXXX because it is unlawful. I am trying to get a mortgage and they are using hate tactics at me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I was refused a XXXX XXXX card because my credit score and or Fico has not been available for about six months. I have tried to access my score from all three credit reporting agencies and they do not have a score for me. The screen will say that my score is a XXXX and that is the score I need for this card. 

It is also an identify theft crime from XXXX men because i am not interested in XXXX women for XXXX. So they are both fighting me any and every way they both can. I am trying to file with the XXXX XXXX XXXX because it is unlawful. I am trying to get a mortgage and they are using hate tactics at 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 2021-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I had four mortgages on my property that were consolidated into XXXX XXXX XXXX My mortgage was paid off in XXXX. On XX/XX/XXXX a Discharge of Mortgage was recorded, however my attorney and my title company both state that the Discharge recites and clears Mortgages 2-5, but does not properly recite Mortgage # 1. 

Mortgages 1-4 were consolidated into Mortgage # 5 ... So the fact that the Discharge of Mortgage recently recorded only cites Mortgages 2-4 is a problem. 

The title report was provided to the servicer with instructions to let us review there work before sending it for recording, but they sent it for recording anyway, thus ignoring our request to let us review the draft version beforehand. 

If the servicer would communicate with my title company and/or attorney, they can provide the review so that the Discharge is correct and complete now. 

This problem and confusion has been going on since XXXX of XXXX, and the law states that the lender is required to record the Discharge within thirty days. So in this case, it has been more than a year, and the servicer/lender is breaking the law.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this some mistake as I assumed it has to be i have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as PayPal quiet frequently. my email address linked XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: OK

Complaint narrative:
I have an account with Binance.US and had put {$1000.00} into XXXX. A few weeks ago I sold my XXXX and made an attempt to withdraw the money a put it into my banking account I was told it would take 3-7 business days it has been well over that time frame and Ive made every attempt to contact them that they have provided but I have not received any form of notification or any response to my concerns. The transaction history for my withdrawal has also out right disappeared as well I still have my transaction history from when I sold my XXXX though.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: MO

Complaint narrative:
This letter is in response to your recent claim that that the below acccounts has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I am claiming lending fraud and to further substantiate my claims of inaccuracies in your credit reporting. 
First, according to the terms of the contract the APR is 19.99 %, finance charge {$7100.00}, which is the sum of all charges. The amount of excessive illegal interest applied in totality {$12000.00}. ( Refer to Payment History ) This amount far exceeds XXXX usury rates maximum of 21 %. Pursuant to the Truth In Lending Act US CODE1605 ( a ) ( XXXX ) and the FDCPA US CODE1692f ( 1 ) this company is in violation thereof. We were also overcharged for sales tax. XXXX local sales tax rate is 8 % and we were charged above the legal rate. XXXX Refer To The Contract ) Secondly, I received a debt collections letter dated XX/XX/XXXX that failed to mention any accrual of interest or a specified amount of what was owed, pursuant to US CODE 1692g ( a ) ( 1 ) under the FDCPA. ( Refer To The Collections Letter ) Next, the initial balance reported {$12000.00} and according to the terms of the contract the principal amount financed {$12000.00}. There were no transactions, no promises, arrangements, and no payment since XX/XX/XXXX. Since then the account remained dormant. However, on XX/XX/XXXX this company stacked {$6900.00} of illegal interest according to federal law. Then reported the account was 180 days past due with XXXX and XXXX  and 120 days past due with XXXX I received written correspondence from a representative of the company stating that they had not reported 120 days past due to XXXX I disputed it with XXXX  and nonetheless this company verified the information as accurate. XXXX Refer To Dispute Results ) Pursuant to the FDCPA 15 US CODE1681s -2- and US CODE 1681 ( a ) ( 4 ) your company is in violation thereof. 
To conclude, Im exerting my consumer rights under the law to demand that this account be deleted from all 3 credit bureaus.

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 2021-04-27 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

Complaint narrative:
Paypal closed my account for no reason and will not helped with getting it back up and going.I am not sure if this is some mistake as assume it has to be. I have not been able to get help from them for months but i just remembered I could file the report on here as i feel they are not doing thier job properly and it is affecting me a great deal as i used paypal quite frequently my email linked to my paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
After I have a total loss of my car the past XX/XX/2020 I still make the payments even though I don't have the car because i wanted to finish my contract terms with Honda because i wouldn't want to messed up my credit, but Honda took my money and still reports me to the credit bureau as a charge off. I pay late but never after the 30 days or 60 days trying to take care of my credit, I've been calling Honda since XXXX XX/XX/XXXX ) and Im still waiting an answer. I paid accordingly to the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: TX

Complaint narrative:
Im submitting this complaint against XXXX  Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation