vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-13 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: EQUIFAX, INC.
State: ME

Complaint narrative:
Equifax is incompetent : It takes MONTHS for them to Correct and Report Information Correctly- Recently sent 17 pgs USPS Tracking # XXXX XXXX XXXX XXXX XXXX XXXX with Supporting Documentation to Verify my Identity- have Equifax Update and Report Correctly my Personal and Employment Info and for Equifax to Report Correctly XXXX XXXX NEVER LATE ( Supporting Documentation provided to them Multiple Times, yet on their Confirm # XXXX they have as " Verified '' - that is patently FALSE ) XXXX  is Reporting as NO LATES ; yet Equifax has not updated. 
XXXX XXXX SECURED Credit Card was Paid Off- Equifax has the Balances and Payment Amounts Wrong- and this is MORE than 7 years, yet they continue to leave as Negative

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ThunderRoad Financial, LLC
State: TX

Complaint narrative:
A refund check in the amount of {$410.00} was forwarded from the dealership was to the lender ( Thunderroad Financial LLC ) which they posted on XX/XX/20 as future payments. They then debited my checking account for the monthly scheduled amount of {$170.00} on XX/XX/20. The following month, I noticed my checking account was NOT debited on XX/XX/20 so I called them ( on XX/XX/20 ) to inquire as to why, which is when I learned that the refund check had been posted as future payments, rather than as a principal reduction. I asked if they could re-apply the amounts as a principal reduction. The representative XXXX, said she would have to ask their contract accounting department if they could do so. On XX/XX/20 XXXX called me back to inform that they could not reapply the transaction without causing my account to become delinquent. I asked if they could just re-apply the portion that is now posted as future payments made, and she said they could not. I advised this was not proper and it was causing me to accrue more interest over the term of the loan than I should be paying. 

I should also note that I only became aware of this because I reviewed my checking account online and noticed the automatic ACH draft was not made. Thunderroad Financial LLC does not provide any online account access to customers, nor does it include transaction information in the monthly statements it provides, which make it impossible to know the exact dates and amounts of transactions posted to the loan without making a telephone inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Services Collections, Inc
State: TX

Complaint narrative:
When I contacted Account Services requesting debt validation pursuant to The Fair Credit Reporting Act as well as The Fair Debt Collection Practices Act, they refused to validate the debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: IL

Complaint narrative:
XXXX  TransUnion they would not take nothing off I gave police report identity theft report you're not paying me no attention I've been going through this the last two years

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 2020-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
An insurance policy was paid in advance with XXXX XXXX. Sent the company proof of payment sent by XXXX and my bank statement showing the funds were paid. Moreover, contacted the collections agency and sent them the proof of payments and they have refused to answer or remove the information from my XXXX  credit report. Furthermore, the collection agency made a hard inquiry on my XXXX  credit report, that stays for 2 years, I've never done any business wit this company nor would I solicit credit from them that they are not in the business of offering. This company is clearly trying to take collect on something that was already paid for, which is wrong and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have a capital one credit card. recently they brought Walmart ( and I also had a Walmart card. I cant afford 2 payment s to them so Im trying to close the Walmart card. They keep saying the Walmart card is closed but the money hasn't been taken out of the bank yet. My husband ( XXXX XXXX XXXX ) paid the Walmart/Capital One card off for me XX/XX/XXXX. He only had that money there to " pay off " my card. He has been continuously trying to close his account but the bank wont let him because he still has funds in the account thats intended for Walmart/Capital One. They also sent a letter to the credit reporting agency on XX/XX/XXXX saying I was late which affected my credit negatively. I need a letter to show this information was false from them. They say it was an accident but they refuse to email me a letter saying this account was paid off on XX/XX/XXXX ; so therefore I couldn't be late on a closed account that was paid off. They absolutely REFUSE to take the funds for the pay off. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TRANSUNION accused me of using a credit repair company. When i am NOT USING ANY CREDIT REPAIR COMPANY. This is a stall tactic on Transunion behalf. These Tactics will not work. You are committing FRAUD by reporting FALSE INFORMATION. 
I have ENCLOSED proof and According to the provisions of the Fair Credit Reporting Act these disputed items must be reinvestigated or deleted from my credit record within 10 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. Please notify me that the above items have been deleted. I am also requesting an updated copy of my credit report, which should be sent to the address listed below, there should be no charge for this report. I have exhausted all other options for correcting my credit report, and the TRANSUNION and you still wont fix the errors. I will be suing for damages and this letter shows proof of contact. 
XXXX IS NOT MY ACCOUNT. I HAVE ENCLOSED MY LETTER FROM XXXX AS PROOF.

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 2020-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX, I received a letter from the debt collector, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. The letter stated that they were attempting to collect a debt for TD Bank in the amount of {$4300.00}. To dispute this false charge and account, I filed a police report, listing TD Bank and the amount owed. I was contacted by XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX on XX/XX/XXXX by a representative urging me that I needed to pay the amount owed. After speaking with my credit monitoring service, I then requested an identity theft packet from XXXX. XXXX, & XXXX in regards to the falsely opened TD Bank account. On XX/XX/XXXX, I spoke to another representative from XXXX, XXXX, & XXXX and inquired about the identity theft packet because it had not yet been received. On XX/XX/XXXX, I received the identity theft packet with the following instructions : to include a police report and file an Affidavit of Fraud under the Federal Trade Commission. I mailed the identity theft packet with the appropriate documents to the address listed by XXXX, XXXX, & XXXX. On XX/XX/XXXX, I received a letter from XXXX, XXXX XXXX XXXX XXXX saying my claim has been deemed invalid. I then called XXXX, XXXX XXXX XXXX XXXX and questioned why it was deemed invalid, to which they refused to give any information. I then contacted TD Bank to find out information about the claim that had been deemed invalid, to which I have been given zero information and placed on long holds and transferred from department to department. I did not create the account for TD Bank and my goal is to get this fraudulent activity removed from my credit reports and get this fraudulent account fully closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
When I contacted Medicredit Inc requesting debt validation pursuant to The Fair Credit Reporting Act as well as The Fair Debt Collection Practices Act, they refused to validate the debt.

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 2020-05-13 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 received a notice from Experian that I had an unpaid account with XXXX. I never opened a credit card with XXXX and I disputed the claim. Experian notified me that the company verified the information and so the issue will remain on my account. I don't know how the company verified this because I never opened a card with 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 2020-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I made a payment on XX/XX/XXXX to my attorney through PayPal. Once the payment left my XXXX XXXX card, the PayPal account email address was not active. PayPal advised that I make a second payment, which I did. The first payment was {$1600.00} plus the fee of {$47.00} total of {$1600.00} and the second was {$1600.00} with no fee to me. My attorney received the second payment to the updated email address, however, PayPal never returned my first payment of {$1600.00} to the incorrect PayPal account. Both were owned by my attorney, and both he and I have spent the last 3 months trying to get the money back. The first rep from PayPal advised me to raise a dispute with XXXX, I did that, and then after calling daily for 3 weeks I demanded to speak to a manager as each PayPal rep said it was out of their hands. When I spoke to the supervisor he said that the first PayPal rep should never have told me to raise a dispute, and that I now needed to cancel it. I cancelled it on the XXXX of XXXX and it was fully completed by XX/XX/XXXX. PayPal then said the same things to me, that I need to contact XXXX XXXX, I put both XXXX XXXX and PayPal on the phone multiple times and then PayPal said I needed to wait for the dispute to show cleared before they could do anything further. Nothing changed, until PayPal stopped having live reps on the phone due to COVID-19, and I could only do a Live chat message. I did that consistently, and they continue to say the same thing. In the meantime, my attorney managed to get into his old account, and saw where the money had been deposited, but that PayPal removed the funds as it is showing a XXXX  balance in the PayPal account that is not even active. I am occurring monthly interest fees, and am XXXX. Every penny helps, and I really need some help to finding out what is going on here. I would greatly appreciate your help with resolving this matter. Any advice or action is much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CreditNinja Lending, LLC
State: MO

Complaint narrative:
On Friday XX/XX/XXXX I was notified by my bank, XXXX XXXX, that my account had been compromised by an overseas individual or individuals. XXXX XXXX, thankfully, put a hard restriction on withdrawals from my account. I immediately notified Credit Ninja  and spoke to a representative. They informed me that they would not know if the restriction kicked their auto draft payment out. This morning, XX/XX/XXXX I received an email that the payment in fact did not get made. ( I left enough in the account to cover any unprocessed payments ). I immediately used the link provided by Credit Ninja  in their email to pay the amount due, plus fees accessed. I was then pressed for my debit card information for this week 's XX/XX/XXXX payment, so I used the link to pay the amount due on XX/XX/XXXX. I'm then pressed more to give them my debit card information, to which I declined, stating that I will make my payment on XX/XX/XXXX ( I paid XXXX and XX/XX/XXXX ) online as I did this morning. They are now claiming that the second payment I made today went towards principle since it wasn't done on XX/XX/XXXX and I'll have to make an additional payment on XX/XX/XXXX. I provided back to them their email stating that they had received both payments and that my next due date was XX/XX/XXXX. 

I've already had my bank account compromised. I've already paid with fees the payment XXXX even though I'm a victim of fraud and paid my next payment so I can get my XXXX account re-established ( less the fraudulent access from overseas ) and they are threatening me with collections. This is unacceptable and abusive to say the least.

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 2020-05-13 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: CA

Complaint narrative:
I was trying to buy a car today XX/XX/2020 and when they ran my credit to see if I qualified for the loan, I was told that I was not approved for any auto loan with any company because there are a handful of accounts in negative standing appearing on my credit. I looked through the accounts and none of them are mine. I don't know why these accounts are on my credit or who could have opened them using my personal information such as my name, social security number, etc. therefore I have filed a police report. I did not get anything from these accounts being opened in my name and I did not take part in any purchases or payments made towards these accounts. I do not have a written/verbal contract with any of these companies and I did not give them permission to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: WA

Complaint narrative:
On XX/XX/XXXX I went to Bigpictureloans.com after weeks of getting harassing phone calls because my loan payment dates was changed after I signed the contract and agreed to a Settlement of the amount I borrowed ( {$800.00} ), they also agreed. 
I agreed to pay {$400.00} on XX/XX/XXXX and {$400.00} on XX/XX/XXXX in which I did and did not miss a single payment. After that I get a letter saying that I still owe {$310.00}. I called and talked with a representative that was unfriendly and didn't want to hear anything I had to say and kept saying that it was not a settlement but just an agreement that I went online and set up myself and it was just a payment plan. I asked to speak to a supervisor but the same lady I was talking to put me on hold then pretended like she was the supervisor so I knew something was wrong so I ended the call. I sent an e-mail to XXXX on XX/XX/XXXX and told them what happened and provided a copy of the paperwork that says Payment Settlement Plan and the support team said the same thing.I did some research and found out they are not licensed to buisness in the State of Washington in which I reside.In the e-mail they want me to agree to a Settlement Plan to pay the interest " We have processed those payments, but the remaining {$310.00} is still outstanding. In an effort to help you in this time of need, we will agree to settle your account for the amount and payment schedule below. 
This will prevent your loan from accruing additional interest..Settlement Offer-Number of settlement payments : 2-Settlement Payment Schedule : Date Payment Amt XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} Payment Type : ACH Isn't that ironic, they didn't honor the 1st Settlement now they are trying to offer me another one for the Interest that I supposedly owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I received a notice from XXXX that I had an unpaid account with CITI. I never opened a credit card with CITI and I disputed the claim. XXXX notified me that the company verified the information and so the issue will remain on my account. I don't know how the company verified this because I never opened a card with CITI.

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 2020-05-13 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX  XXXX they would not take nothing off I gave police report identity theft report you're not paying me no attention I've been going through this the last two years

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 2020-05-13 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: CA

Complaint narrative:
I was trying to buy a car today XX/XX/2020 and when they ran my credit to see if I qualified for the loan, I was told that I was not approved for any auto loan with any company because there are a handful of accounts in negative standing appearing on my credit. I looked through the accounts and none of them are mine. I don't know why these accounts are on my credit or who could have opened them using my personal information such as my name, social security number, etc. therefore I have filed a police report. I did not get anything from these accounts being opened in my name and I did not take part in any purchases or payments made towards these accounts. I do not have a written/verbal contract with any of these companies and I did not give them permission to run my 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 2020-05-13 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: CA

Complaint narrative:
I was trying to buy a car today XX/XX/2020 and when they ran my credit to see if I qualified for the loan, I was told that I was not approved for any auto loan with any company because there are a handful of accounts in negative standing appearing on my credit. I looked through the accounts and none of them are mine. I don't know why these accounts are on my credit or who could have opened them using my personal information such as my name, social security number, etc. therefore I have filed a police report. I did not get anything from these accounts being opened in my name and I did not take part in any purchases or payments made towards these accounts. I do not have a written/verbal contract with any of these companies and I did not give them permission to run my 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 2020-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
When I contacted LVNV Funding requesting the debt be validated pursuant to The Fair Credit Reporting Act as well as The Fair Debt Collection Practices Act, they refused to validate the debt.

Company response to consumer: Closed with explanation