vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-10 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 2021-04-10 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
Consumer complaint received 2021-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX, I made a payment of {$300.00} to Capital One. This payment was made before the payment due date, it was WELL over the minimum payment amount shown on my credit card statement, and it was enough to bring my account balance below the credit limit. 

3 days later, after Capital One took my money, I found out through Capital One that my account had been closed, with no reason provided. I received notification in writing to this effect, dated XX/XX/XXXX, but not received until around XX/XX/XXXX, with the reason cited of " due to activity on this or another account that is not consistent with our expectations for account usage, and violations of the Capital One Consumer Agreement. '' I contacted Capital One for an explanation, and got nowhere. I took my concerns all the way to the Executive Offices, who refused to help me. The main reason they cited was the fact that there were " multiple returned payments '' on the account. Every time there was a returned payment ( 3 times ), a replacement payment equal to or greater than the original payment was ALWAYS made immediately. Additionally, it was determined during a call with the executive team that the issue was on Capital One 's end, and their incorrect transcribing of the account number that the payment was supposed to be drawn from. 

Even so, Capital one refused to reverse their decision. I contacted the executive team multiple times in XXXX, and in XXXX. The most recent time was on XX/XX/XXXX, where I gave them 30 days to correct the issue. They still refused to take any action in my favor on this account. 

This is what I consider Capital One 's final chance to avoid litigation. I am reaching out to the CFPB to resolve this, and also hopefully bring to light their unscrupulous business practices, with the hopes that others will not have to go through what I've had to go through for the past 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 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 also kept the balance i had on hold for 180 days and will not help me getting it back, I started my own little business where i provided people with ad designs and web designs and my courses, Even my customers have verified to paypal that they have received the service. 
I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for a long time now 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 I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 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: Exeter Finance, LLC.
State: TN

Complaint narrative:
This account is no longer mine. This is a notice pursuant to FDCPA 15 USC 1692g stating your claim is disputed and validation is requested. FDCPA Section 807 ( 8 ) states if you can not validate this debt you must request that all credit reporting agencies delete the entry IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: HI

Complaint narrative:
Lexington Law is deceptive in practices. I was a victim of their hotswap scheme and was transferred from a loan representative after being denied credit for a business loan. The first reviews on XXXX were good until I dug much deeper and found the real issues. I lost money to this scam. I could have been using this money to pay creditors rather than wasting months paying for little help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Recovery Systems, Ltd
State: FL

Complaint narrative:
On XX/XX/2021 I pulled my credit report on XXXX and noticed two accounts from NWIDE RECOVRY ( original creditor : XXXX XXXX XXXX XXXX ) what it states on my report ) twice on my credit file. Never heard of them have no knowledge of them or this debt nor did I receive any prior mail or Correspondence from them before seeing these two accounts on my credit file ( XXXX only ). So XXXX XXXX I wrote a letter to dispute these accounts with them and mailed them out XXXX XXXX and NATIONWIDE RECOVERY SYSTEM received my correspondence ( which was HIPPA LETTER & a request for validation ) XXXX XXXX they replied back with a janky letter they quickly wrote up and mailed to me which I received XXXX XXXX saying ( CURENT CREDITOR : XXXX XXXX XXXX ) and stating ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ) and a file number saying this is what I requested and had another page attached which was also another letter they drafted up on their personal computer with a date, XXXX  XXXX ( I dont know if this a doctor name ) XXXX XXXX VISIT W/O collection agency and two of the same amount XXXX and two XXXX addresses as their way of Validating what they have placed on my credit report. They have not properly and accurately respond to my request nor did they properly provide me VALIDATION. So XXXX XXXX I responded to their lack of validation letter with a response of requesting they remove and delete the false reporting off my credit profile Immediately before I take legal action, which they received my correspondence XXXX XXXX which I have proof of ALL THESE DATES AND PAPERS and they decided to report on my XXXX  PROFILE today XXXX XXXX these same two accounts and with a STAUTS that reads included in XXXX Through Bankruptcy chapter XXXX false. At this point they are becoming desperate and they are falsely reporting whatever and tarnishing my image and my name. This is barbaric and not right at all. These credit bureaus are allowing anyone to report whatever they feel like. And they too should be help responsible. 

No one ( credit bureaus ) is Verifying The accuracy of information being placed on peoples credit files. 

I have images and dates for my truthful claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7100.00}, {$5600.00}, {$2100.00}, {$4800.00}, {$830.00}, {$0.00}, {$47000.00}, {$0.00}, {$13000.00}, {$200.00}, {$3100.00}, {$6600.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account. 

5. XXXX XXXX USA/TARGETCRED with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$830.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- XXXX XXXX 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$47000.00} -This is not my account. 

8. XXXX XXXX SERVICES with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- XXXX ACCOUNT 9. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 10. I. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$200.00} -This is not my account. 

11. XXXX XXXX SERV with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6600.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 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: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
The federal law 15 USC 1605 ( a ) a finance charge is a " sum of all charges '' payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. So there should have no late payments to be reported on my credit report. I further remind you that you may be liable for your willful non-compliance. Be aware that I am making a final goodwill attempt to have you clear up this matter. I will seek damages from your company for violating my consumer rights under Fair Credit Reporting Act if permitted.

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 2021-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: OK

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX transferred our loan to LoanCare , LLC, which now accepts our mortgage payments on behalf of XXXX XXXX. We received a letter XX/XX/XXXX indicating the old loan number, the new loan number, the date of the transfer, contact information, and the website to make a new online account. They included instructions to make a new account, but promised that autodraft would transfer. It is now XX/XX/XXXX, and we remain completely unable to make an online account. Someone at LoanCare , LLC has simply failed at the task of setting up a database. We can enter our old loan number, confirm the new loan number, but can not make an account due to one technical glitch after another. Customer service is unavailable or completely in the dark as to the issue, and as such can not help. Our mortgage payment amount has changed, and we can not determine why. We can only confirm that money is exiting our bank account via bank draft and have to take it on faith that it is going to the correct company and is being applied to the correct account. This is, plainly, unacceptable. I need access to my statements, and I need access to be able to confirm that everything is correct. Since notice of transfer arrived XX/XX/XXXX I have been trying and failing to make an online account for four months now.

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 2021-04-10 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: MD

Complaint narrative:
I have more than 4 years of credit history with both XXXX  and XXXX but not with Equifax. I am in the process of mortgage application and the lender wasnt able to pull report from Equifax so my application is delayed and my buyer contract will be revoked because of that. 

Both XXXX and XXXX have my credit reports and history and I know my creditors sent my info to all of three credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 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: LA

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 2021-04-10 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: TN

Complaint narrative:
XXXX XXXX XXXX was allowed to add a false debt collection on my Experian report. They also added it to XXXX. It was removed from my XXXX report. The account does not belong to me and my name is a common name. They could not provide any identifying information such as a copy of photo ID, social security card or proof of residence. I completed and submitted the police report to XXXX XXXX XXXX however XXXX XXXX is no longer employed with thr collection agency. I do have screenshots, emails and written documentation including a mortgage statement that proves my identity and proof of residence.. I am requesting that this is removed from my report as it is an error and has impacted my score greatly. I can provide written documentation as the agency is not cooperative although they have no written documentation showing this account is associated with 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 2021-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Hello and thank you for taking the time out to read my complaint today! I have inaccurate information reporting on my Transunion and XXXX. There are two accounts that are from the company of XXXX XXXX XXXX that are reporting derogatory. Due to some hardship, I fell behind on payments and the account ending up closing with a balance. The balance was {$160.00} total and I paid this balance in full on, XX/XX/2020.

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 2021-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC
State: WI

Complaint narrative:
I requested paperwork to verify the alleged debt and they responded with my private medical information, without a signed release form, which is a clear violation of HIPAA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-10 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
Consumer complaint received 2021-04-10 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: CA

Complaint narrative:
Someone Please help, I XXXX have been sending letters to the credit bureau about information that was incorrect and have received no responses. I dont know how long these inaccurate and unknown items has been on my credit report but its been over 62 days and I have not received a response yet. I have given them 2 months to give me an answer and I till wait. I feel that everything that I have dispute should be deleted immediately or I will file for litigation is due to the stress you caused me. My information was impacted by the Equifax data breach it may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation