vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: F&M Capital LLC
State: MI

Complaint narrative:
On XX/XX/XXXX my brother received a voicemail from XXXX XXXX who stayed that she was with F & M Capital in the bad checks division. She said she had a formal complaint against my name and social security number, regarding a series of bad checks that were passed across state lines. She then called the store that I work at and spoke with the pharmacist who passed her off to the front end ( the department that I work in ). She started immediately asking a supervisor ( who actually works under me ) how she could go about garnishing my wages. She stated that she could not leave a voicemail because my mailbox was full. I verified that my mailbox was empty and then I called XXXX XXXX and asked her to provide me with a validation of this debt. She said that she had already sent mail, email, etc and I verified that she does have the correct information for me, however I have received nothing regarding this from them. She said that I owe {$2600.00} to XXXX XXXX XXXX from XX/XX/XXXX. I explained to her that I believe that this debt had already been paid and she told me that is the most ridiculous thing Ive ever heard! You need a lawyer because they are going to nail you to the wall! When I asked about her calling my place of employment she stated that she was simply verifying my employment so that she could move forward with the wage garnishment process. I explained to her that there is no HR Dept at the store level, only at corporate level and she said that she would be calling back to speak with my store manager at XXXX tomorrow. After our phone call, I signed into my XXXX account and it said there were no active accounts. I do believe this debt was paid years ago and I do not appreciate F and M capital calling myself, my family, and my work divulging personal information and making threats regarding a debt that I have yet to see validation for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: TX

Complaint narrative:
I have not received any notification before hand. The first I learned of any money owed id ] s when it was added to my credit report. They didn't contact me at all to inform me that I owed them any amount of money. Nor did they notify or contact my daughter whom was on the same account with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I reported to Comenity Bank that a charge on my Zales credit card statement for {$3300.00} made on XX/XX/XXXX was not valid. Since I was in possession of the single credit card on this account, I asked the customer support representative if the charge was made without the card, and they confirmed the the charge was was made only with personal id. This was the 4th instance in XX/XX/XXXX where either there was either attempts to open new credit or a similar charge made only with fraudulent personal id. After the first instance, I initiated FTC Identity Theft Report and fraud alerts on my credit report. In XX/XX/XXXX, I completed and returned a follow-up fraud information sheet to Comenity Bank. In letter dated XX/XX/XXXX from Comenity Bank, they informed me that they could not find any basis to support my claim. I replied to that letter with a copy of my FTC Identity Theft Report and a statement with my plan of action -- filing this complaint and subsequent legal action if they reported false information to the credit reporting agencies. 
Additionally, the other 3 instances of identity fraud have all been resolved in my favor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Re : Hard Inquiry/Unverified on my behave. I recently checked my credit reports with XXXX, XXXX, XXXX. I have one hard Inquiry from company : COAF XXXX XXXX. 

COAF  XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX ( XXXX ) XXXX. I contacted COAF   .Have not herd back from any of this mentioned company.Regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: QUALITY ACCEPTANCE LLC
State: TX

Complaint narrative:
I have disputed this account over 5 times with each of the credit bureaus with no response. I have requested in writing that I am provided with a signed agreement and that the current balance be updated to the correct charged off amount. I have not received a response nor documentation to provide accurate proof that this amount is owed. XXXX XXXX has yet to respond to my requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
Intentionally and deliberately, PayPal Inc, misled me. 
I had a PayPal account, I made some transactions, the first one on XX/XX/2019. 
When I opened the PayPal account, it did not clearly state which are the conditions under which it allows to operate, receive or send money. When he made the transactions, he did not either, he waited until the transactions were completed to proceed unilaterally to freeze the account. 
Instead, the account, even with the blockade you have, can receive payments. That is, if payments were received, they would also be frozen. PayPal seizes the money of the public, without any kind of control, millions of users around the world do the same ... nobody says anything, there is no authority for them. 
They take people 's money and nobody knows what they do with it. They do not pay interest, even that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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: KS

Complaint narrative:
Experian is listing I owe XXXX when they have been paid, and the XXXX and XXXXt accounts are preventing me from obtaining a car loan.

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 2019-05-15 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: IL

Complaint narrative:
One of my credit accounts is was not showing on XXXX,. I called my Credit Card company ( XXXX XXXX ) and they were able to immediately add me to XXXX over the phone. 

XXXX XXXX instructed me to contact Equifax and XXXX. I called both companies and received no help over the phone. I sent a letter to both Equifax and XXXX. To add my account to my credit report. 

I got a letter from XXXX along with a copy of my credit report showing that the account was added and was resolved. 

I got a letter from Equifax stating there was nothing that they can do and that I must contact XXXX XXXX. Well XXXX XXXX insists Equifax has to fix the problem. Clearly XXXX was able to fix the error with the information provided. I want to buy a house in two or three years time and I would like my credit score to be correct once I am ready to apply for a loan. 

How to I have someone at Equifax do their job and stop passing the buck. Bad enough they do not secure our personal information and have data breaches. 

Equifax, one of the three largest consumer credit reporting agencies in the United States, announced in XX/XX/2017 that its systems had been breached and the sensitive personal data of 148 million Americans had been compromised. ... The Equifax breach is unprecedented in scope and severity. 

Why does the Government not shut down this lazy hack of a company? 

How can I get this company to report accurate information???

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/2016, my car was stolen, and later was involved in a wreck by the person who stole the car. The police refused to file a police report, which made insurance not pay to either repair or total the car out. The shop stated the car was a complete loss. I attempted to tell Capital One the issue, and they were of no assistance. They went to the auto body shop and repossessed the vehicle. I informed them that I was waiting for a police report from the XXXX Police Department, which was never done because they were trying to blame my husband as the one who  wrecked the car, even going as far as locking him up for eight months before he was finally acquitted of any wrongdoing, and I still was never given a police report. Since I did not receive a police report, insurance refused to pay, but before I could appeal the decision to the insurance company, Capital One Auto Finance had repossessed my vehicle, wrongly repossessed it might I add. Capital One even said the car was a total loss and sold it for parts. I also contacted the credit reporting bureaus informing them of the issue, and also asked them to verify the account, provide the original contract, all that is outlined in section 609 of the FCRA. None of the bureaus ever provided me with that nor did they provide me with the person at Capital One Auto Finance that they spoke with. This is my final attempt before I seek civil litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
XXXX is listing I owe kohls when they have been paid, and the XXXX and XXXX accounts are preventing me from obtaining a car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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: KS

Complaint narrative:
Experian is listing I owe XXXX when they have been paid, and the XXXX and XXXX accounts are preventing me from obtaining a car loan.

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 2019-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
The complaint I am filing is a result of an ongoing PMI deletion request with Suntrust Mortgage. I followed all guidelines on how to submit this request. I did receive a timely appraisal ; however, the result of the appraisal I firmly disagreed with for good cause. The value of the home did not meet PMI deletion 80 % loan to value. After speaking with the woman who appraised my house she admitted that she missed a key comp which would have valued my house much higher to qualify for PMI deletion. She asked to me to rebut my finding to the bank and that she would redo the appraisal. I have since written 2 letters to Suntrust and spoke with multiple agents all who have blown this case off or denied my fact based information. They have now closed the case. I am essentially being pushed around by a bank who does not want to admit there was an appraisal error that could potentially qualify me for PMI deletion.

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 2019-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Re : Hard Inquiry/Unverified on my behave. I recently checked my credit reports with XXXX, XXXX, Transunion. I have one hard Inquiry from company : XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX ( XXXX ) XXXX. I contacted XXXX  .Have not herd back from any of this mentioned company.Regarding this issue.

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 2019-05-15 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: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
I have received several phone calls from what has appeared to be local numbers. No Caller ID was ever provided, and attempts to call back come back with disconnected numbers. At XXXX XXXX today, XX/XX/2019, I was finally able to answer a call live, and a representative from Credit Corp Solutions asked for a person other than myself. I repeatedly asked her to please remove my number, and she claimed that she did after basically arguing with me. At XXXX XXXX I received another call from a local number that I missed. At XXXX XXXX, i received yet another call from the SAME company. Credit Corp Solutions was advised to not contact a 3rd party ( myself ) again, and did so not once but twice. I spoke with a supervisor there - named XXXX, who assured me that my number was removed, but could not explain why I received two more calls. 
In reviewing your database of complaints, it appears that this company does this repeatedly to consumers. 
They have over 100 complaints filed against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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: KS

Complaint narrative:
XXXX and XXXX have been paid and are incorrectly showing which is harming my credit report. Also XXXX XXXX is showing incorrectly

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST NATIONAL BANK OF OMAHA
State: NC

Complaint narrative:
I attempted to use my XXXX credit card at XXXX on XX/XX/19 around XXXX. It was repeatedly declined, so I contacted customer service. The representative told me that my account had been suspended without notice prior to such action, or even the possibility of such action.

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 2019-05-15 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: CITIBANK, N.A.
State: DE

Complaint narrative:
Executive Response Unit XXXX XXXX  XXXX XXXX XXXX, SD XXXX Dear Citi Bank, I'm writing and inquiring the recent closure of my Citi Bank Credit Cards. On XX/XX/2019 I found that all my Citi Bank Credit Cards were closed for unknown reasons. For your information, card # XXXX XXXX XXXX XXXX. 
I have been Citi Bank customers for over 10+ years and never made a late payment. My Credit Scores are 800+. I would like to understand the reasons that have triggered closure of all my credit cards. I believe this must have been mistake on Citi 's end, and would need Citi to rectify this error immediately.

I demand Citi to issue me all my un-redeem cash back immediately. I also request Citi to re-evaluate my closure. 
I thank you for your time and reconsideration and I hope to hear back from you soon. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-05-15 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
The loan was issued to someone else fraudulently with my information. I tried on numerous occasion to get them to investigate the issue and send me the report to file a police report but they claimed that they did however, it was never received. The loan was taken out during my XXXX overseas

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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: Avant Credit Corporation
State: WV

Complaint narrative:
AVANT REPORTED TO XXXX AND OTHER CREDIT AGENCIES THAT THE LOAN IS OPEN AND NOT PAID. 
THIS LOAN IS IN COLLECTIONS WITH XXXX - AND IT WAS PAID AND SETTLED TO THIS DEBT COLLECTOR - YET AVANT IS REPORTING OTHERWISE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I was unaware I had a balance due for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I would like to remove the late payments on my report with Comenity Bank/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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:
RE : Hard Inquiry/Unverifiable on my behave. I recently checked my credit reports with Experian, XXXX, XXXX. I have Two Hard Inquiry from company : XXXX XXXX Hard Inquiry done XX/XX/2017 and XX/XX/2017. 
XXXX XXXX XXXX, XXXX CA, XXXX XXXX XXXX XXXX XXXX. I have not yet received any return correspondence, at All.From neither companies.

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 2019-05-15 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: WV

Complaint narrative:
XXXX REPORTED TO XXXX AND OTHER CREDIT AGENCIES THAT THE LOAN IS OPEN AND NOT PAID. 
THIS LOAN IS IN COLLECTIONS WITH XXXX - AND IT WAS PAID AND SETTLED TO THIS DEBT COLLECTOR - YET XXXX IS REPORTING OTHERWISE.

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 2019-05-15 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: WV

Complaint narrative:
XXXX REPORTED TO EXPERIAN AND OTHER CREDIT AGENCIES THAT THE LOAN IS OPEN AND NOT PAID. 
THIS LOAN IS IN COLLECTIONS WITH XXXX - AND IT WAS PAID AND SETTLED TO THIS DEBT COLLECTOR - YET XXXX IS REPORTING OTHERWISE.

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 2019-05-15 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:
I was hit by car drunk driver. XXXX bill not paid by XXXX. I found out when Equifax showed as collection a year later. I paid immediately and received letter from Collection Company that it was paid. I Called Equifax today. Letter not enough. Told me to contact collection agency. This charge should not have been a collection. Equifax only bureau to  report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
portfolio recovery has repeatedly claimed I owe a debt of XXXX with no proof. I have written and asked for any legal proof and they constantly deny me a response. 



They have hounded me for many years with collection letters.

Company response to consumer: Closed with explanation