vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am a XXXX citizen who moved the XXXX to XXXX university in XXXX and have lived full time in the XXXX from XXXX to XXXX. 

It is XXXX now and am returning to the USA and have been offered a position in the finance sector. The employer has processed a background check for me including pulling my credit report of which i have had no need to check as I have not needed to use my credit.

It has been discovered that I have two fraudulent credit card accounts opened in my name from XXXX, 2 years after I had already begun to live in the XXXX. One of the cards had been used up until XXXX and the other up until XXXX before being charged off and transferred to a company called XXXX XXXX XXXX. 

Acct XXXX Balance {$2200.00} Open date XX/XX/XXXX Charge off date XX/XX/XXXX Capitol 1 Acct XXXX Balance {$3500.00} Open Date XX/XX/XXXX Charge off date XX/XX/XXXX I can attest that these are not my accounts and that I had no knowledge of opening them or using them to my benefit. These are fraudulent credit card accounts and would like them to be removed from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: HSBC NORTH AMERICA HOLDINGS INC.
State: PA

Complaint narrative:
I am a US citizen who moved the XXXX to attend university in XXXX and have lived full time in the XXXX from XXXX to XXXX. 

It is XXXX now and am returning to the USA and have been offered a position in the finance sector. The employer has processed a background check for me including pulling my credit report of which i have had no need to check as I have not needed to use my credit.

It has been discovered that I have two fraudulent credit card accounts opened in my name from XXXX, 2 years after I had already begun to live in the XXXX. One of the cards had been used up until XXXX and the other up until XXXX before being charged off and transferred to a company called XXXX XXXX XXXX. 

Acct XXXX Balance {$2200.00} Open date XX/XX/XXXX Charge off date XX/XX/XXXX XXXX XXXX Acct XXXX Balance {$3500.00} Open Date XX/XX/XXXX Charge off date XX/XX/XXXX I can attest that these are not my accounts and that I had no knowledge of opening them or using them to my benefit. These are fraudulent credit card accounts and would like them to be removed from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: NV

Complaint narrative:
This complaint is for VENMO the digital money sending app. 

They permanently disabled my account on XX/XX/XXXX. 

I have had email correspondence with them over a few days and 5 emails.

They refuse to give me ANY REASON why my account was disabled and they refuse to help me reinstate it. They said it violated their algorithm.

I have NEVER used their app to do anything except send money back and forth with my friends like the other 1 billion people around the world do. Not only is it totally unfair they just disabled me but to not tell me why or give me any reasons or notifications or be clear on what could have caused this is crazy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I requested the removal of inquiries that I did not solicit or authorized and I was told that they were facts of records and that they were permissible records. 
The following inquiries I did not authorize/solicit or give permissible authorization to access my credit report : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XX/XX/XXXX. & XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX

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 2021-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Account Control Technology, Inc.
State: NH

Complaint narrative:
My phone number is XXXX XXXX XXXX XXXX. I was given that number 20 years ago as part of a family plan under my parents. That number has not been associated with my father in any other manner, and has not been a part of a plan which includes his phone number in over 15 years. However, I have received repeated phone calls from Account Control Technologies asking for my father, whom I am not in contact with. I have repeatedly told them they have the wrong number, and they have repeatedly continued to call after assuring me my name would be taken off their list. While I find their phone calls irritating, the bigger issue that I have is that by calling my number and asking for my father when they are clearly a debt collection / reconciliation agency they are disclosing or indicating that he is in debt, which should be his private information. They also continually call from variations of the same number, thereby making it impossible to block the number. I think they should be aware of this breach of privacy as well as the fact that they should stop calling me. They're also very rude and abrasive once told that they've called before.

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 2021-03-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: World Acceptance Corporation
State: GA

Complaint narrative:
This loan was opened by someone other than me I was a victim of fraud and they refuse to remove it from my credit and also theyre adding interest on the loan which isnt mine.

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 2021-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
My complaint is in regards to PayPal. 

They have unexpectedly disabled my account stating " XXXX content '' which is completely absurd and false, and even though I am trying to talk to them to show them I do nothing of the sort they will not respond or help me whatsoever. 

They are also holding {$1000.00} of my money that I can't get out because of this. 

This is totally unfair, I have never done anything remotely close to what they claimed and they need to be held more accountable for how they disable people based on an algorithm that doesn't even look into things.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The XXXX  XXXX accounts XXXX, XXXX, XXXX. Were all settled on or before XX/XX/2021. These accounts are still showing open. They must be marked closed and paid. 

Additionally XXXX  account [ XXXX XXXX ] .. XXXX has been setled and need to be reported as paid as agreed /no balance

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 2021-03-18 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, TransUnion, XXXX 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.

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 2021-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD

Complaint narrative:
Got behind on mortgage payment in XX/XX/XXXX Called and had a deferment plan set up for 2 months The deferment was suppose to be for XXXX and XX/XX/XXXX We paid the XXXX XXXX XX/XX/XXXX payment and have not missed a payment since XXXX of XXXX During the agreed deferment that was signed in XX/XX/XXXX XXXX pandemic took effect We faxed the deferment agreement but the office was closed because of the pandemic We were advised to send to another office that was open We did this So XXXX and XXXX was deferred as far as our agreement We received a notice saying because of covid we could pay no payments or partial payments until XX/XX/XXXX We did not send in any partial or late payments We paid our full payments early or on time In XXXX I called Rushmoore as our mortgage statement said we were two months behind I explained the deferment agreement that had been signed They then told me that no investor at this time was offering the deferment plan I explained that this was done before the pandemic I have had no success getting this problem resolved I finally talked to someone who went back and checked all of our communications She stated that in XX/XX/XXXX that we were given a 1 month deferral for XXXX I explained we had payed XXXX so no deferral was needed Finally after many months of trying to straighten this out I am now told that we did not get a deferral for XXXX and XXXX only for XXXX This still means I am 1 month behind This is not right I have the signed agreement that was agreed upon How can Rushmore do this? I have the signed agreement and faxed copy ( dated ) proving this was our agreement Just because Covid slowed or stopped their business operations I should not be penalized I have spent many hours on the phone I even sent in a copy of the agreement I will not answer any calls from them anymore Rushmore has my contact email this is the way I have told them I want to communicate I will not answer any phone calls as I need to have in writing what is being told to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
The company is XXXX XXXX ( Wheels Financial Group, LLC XXXX ). In XX/XX/XXXX I agreed to make payments but defaulted due to COVID. I made arrangements with them and account showed as Charged Off on my credit report. Account should show as Charged Off. Every two months ( In XX/XX/XXXX, now XX/XX/XXXX ) XXXX XXXX opens back up the account and it reflects on my credit as open again affecting me negatively. This time making my credit score drop 60 points. I file the claim through the credit bureau in XX/XX/XXXX about the status of the account being incorrect. It was updated back to Charge Off. Now XXXX, XXXX once again change the status to " open '' and it should be " charge off ''. Can they legally keep on changing the status of my account back and forth.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
My husband received a call stating that me, his wife owed a debt to Synchrony Bank in the amount of {$780.00} and that they came out yesterday to hand my some legal documents. I stated that was impossible as me and my husband was home all day and no one came to the door serving and legal documents. I asked what store was this with on behalf of Synchrony Bank and they stated they could not give me this information to protect them. I asked when was the account opened, but they did not have this information and told me it was closed in XXXX  I stated that why is not showing on my credit report for collections and why would Synchrony issue me more credit after that date/year and that it didn't make sense. I stated that I had to verify the debt before anything and we ended the call. I am very aware of my credit and try to keep it up to the best of my ability and I feel that they are lying about coming to my house to serve papers or whatever and this debt is probably extremely old. The stated that they work for XXXX XXXX XXXX which is a law office. The number give to me to contact was XXXX.

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 2021-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC.
State: LA

Complaint narrative:
During this Covid-19 pandemic many people were laid off, fireworks furloughed, I happened to get furloughed. Although I'm furloughed I continue to make my car payments, maybe not in full but I pay more than half and have never been more than 30 days late making my car payment. Instead of this company trying to help it's consumers it is tacking on late fees & miscellaneous fees without any explanation of what the miscellaneous fee is or why during this pandemic are consumers even being charged late fees when we're already struggling due to the pandemic! My late fees ( {$180.00} ) & miscellaneous fees ( {$60.00} ) total {$250.00} on top of an already {$510.00} car note! I feel that while we're fighting this pandemic this company should be trying to help it's consumers not trying to make extra money off of people during this difficult time! This company hasn't done one thing to help since this pandemic except call everyday to state the obvious that your payment was due 3, 4, 5 days ago not 30 days, not 2 weeks but a few days! I will never deal with this company again & will tell anyone who will listen to NOT get any type of loan through this company! They only care about money & have horrible finance rates & practices!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
PayPal has closed my account, and is keeping my money for an undetermined period of time.

PayPal says that I violated their terms of use by buying or selling firearms with their serivce. This is not true, and they have given me no means to contest the matter.

I am a licensed firearms dealer, and we use PayPal occaisionally to invoice customers for binoculars and scopes. We also use PayPal to pay an employee who works overseas.

The Comptroller of the Currency issued an order for financial institutions to not discrimiate against legal business transactions.

I have always used my PayPal account in a proper manner, and had it open for years.

This account is a business account. PayPal also closed my personal account, and I get regularly scheduled payments into that account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
TRANSUSION tricks consumers looking for their free credit score into paying for an annual subscription before you can see it by asking for a credit card number to verify your identity. I have asked them to refund and this is their response : INVESTIGATION RESULTS - VERIFIED AND UPDATED : The disputed item ( s ) was verified as belonging to you and information has changed or been updated to reflect recent activity. 
We investigated this item, verified it belongs to you, and updated : Rating. Here is how this item appears on your credit report following our investigation. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Based on flawed analysis they have my credit score as XX/XX/XXXX ''. I've asked them to remove erroneous accounts to no avail.

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 monetary relief
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: VA

Complaint narrative:
This account is fraudulent activity I did not authorize anybody to sign me up for this account with this company if this doesnt get resolved ASAP I will use legal actions according to the federal law the debt that this company is trying to Collect for me was sold and not being authorized to do so I am obligated to use legal actions I want this account to be removed off my credit report as soon as possible if this doesnt get resolved legal actions will be pursued it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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 — Investigation took more than 30 days
Company: CONTRACT CALLERS INC
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
This account is not mine. They have been billing me and I continue to pay because I do not want to mess up my credit. I have called them numerous times to demand validation of the said account and get the account closed but they give me the runaround every time and have never received any validation. I stayed at the resort once but only paid for the time I was there. I did not purchase anything from them. I have disputed this with the credit bureau but had no resolutions. I realized XXXX took my information and fraudulently used it without my permission to process transactions and open an account without my knowledge. This is a scam & I demand this to be thoroughly investigated promptly. This inaccurate account is being reported in my credit records and is hurting my financial stability. I have requested multiple times for verification of this account but the creditor has refused to provide any information. Ive sent out demands to have this account verified on the following dates : XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 but Ive had no responses. Ive sent out requests to XXXX and TransUnion and to the original creditor and it has been deleted in my XXXX but it still shows under TransUnion. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.

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 2021-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: DISCOVER BANK
State: AR

Complaint narrative:
" Hi this is a import message for _______ _________ this is not a solicitation call it important for you to please take a moment today and return my call toll free at XXXX. We are available from XXXX XXXX to XXXX pm eastern time Monday - Friday. I do look forward to speaking with you and I appreciate you're time and my name is XXXX, have a great day. '' This is a recording that was left on my office voicemail on XX/XX/2021 @ XXXX XXXX in the morning central time. I was told that creditors could not call you're employer unless they have a lawsuit pending with you. This came from DISCOVER CREDIT CARDS.

Company response to consumer: Closed with non-monetary relief