vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-11 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: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX, Equifax and XXXX  is reporting this repossession inaccurate on my credit report. First  XXXX  and Equifax is reporting a monthly payment of XXXX. It is a violation to report a monthly payment on a repossession as the car is no longer in my possession. XXXX  and XXXX  is reporting a month term. This car is a repossession it should not report a term length. 

XXXX is reporting the date of last activity as XX/XX/2019. XXXX  is reporting XX/XX/2019. Equifax is reporting XX/XX/2019 Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, byupdating the date of last activity on your credit report in hopes of keepingnegative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX, XXXX  and Experian is reporting this repossession inaccurate on my credit report. First XXXX  and XXXX  is reporting a monthly payment of XXXX. It is a violation to report a monthly payment on a repossession as the car is no longer in my possession. XXXX  and Experian is reporting a month term. This car is a repossession it should not report a term length. 

XXXX is reporting the date of last activity as XX/XX/2019. Experian is reporting XX/XX/2019. XXXX  is reporting XX/XX/2019 Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, byupdating the date of last activity on your credit report in hopes of keepingnegative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information.

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 2020-11-11 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: MD

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Computer Credit, Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX charged me for hospital, ER, and emergency department services on XX/XX/2020. I was no where near XXXX XXXX XXXX XXXX or ER on XX/XX/2020. The charges are fraudulent. XXXX XXXX 's is sending me threatening notices. The services I did receive on XX/XX/2020 were at XXXX XXXX 's XXXX XXXX XXXX XXXX no where near the hospital ) and all those services were paid 100 %.

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 2020-11-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harvard Collections, LLC
State: NJ

Complaint narrative:
First I was not told that it was a debt collector attempting to collect a debt on three occasions on the call. I was not mini Miranda. I was not told that the call may be recorded and may be monitored at onset violating my rights, in fact on the call from today I had to ask him are the calls being recorded and he said yes and I said why wasnt I told before we started talking and he said I was going to do that. Ive spoken to a woman about two weeks ago who I asked for documentation of what the debt was what it was for when it was delivered, where I made purchase, when, etc. I needed to know about my debtwas from 2014. Yesterday I got a call from a gentleman who is rude and pretty much accused me that the letter was sent and now this have to be resolved I told him I have not received the letter he belittled me and wanted and kept trying to close still no Marandas no asking me to verify something and was upset when I asked for a manager. I received no return call so I called them today since I did get the letter. The man said he was going to call me today. He asked if I was ( name incorrectI asked several times giving me my address. I said that isnt my namehe said if my name changed it doesnt matter ). now if it was not me he wouldve been giving out my personal information to a third-party these are all violations of the FDCPA now I got the letter it was a letter of representation and an offer to settle it did not provide me with the what the purchase was when was it delivered who was it too I mean I have no idea of what this is and now a different name??? OK well the gentleman today I said to him I was supposed to get a callback from a manager. I dont even know if the guy yesterday did try to get a manager he said my manager is busy Ill have him call you back he did not these people are using deceptive practices they are not advising correctly as far as the attempt to collect the debt mini Miranda and since I did ask for documentation and proof or validity of the debtThey refused they said the letter I got was all I needed thats not what I needed thats not what I asked for and today I told him if he cant acknowledge my rights I dont want them calling again and if they do I am taking this all the way up to the attorney general and getting a class action lawsuit I am a senior citizen and I expected a bit more concern and accommodation of my request for assistance. They were rude they were belittling they refused any assistance they raised their voice and they made me feel like some fifth class citizen you know Im getting old I need help sometimes in remembering this was from 2014 they took advantage of me theres no question about that. This was blatant deceptive violation FDCPA violations

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
XX/XX/XXXX I sent in a dispute letter to Citi Cards CBNA and all XXXX credit bureaus. On XX/XX/XXXX I sent a second dispute letter to Citi Cards CBNA and XXXX  credit bureau regarding a collection/charge-off that was opened in XXXX. XXXX  is still the only credit bureau listed on my credit report while XXXX  and XXXX  has since deleted this collection/charge-off from my report the first time around. It is well over 30 days again and the account still has hasn't been updated or removed.

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 2020-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
PayPal is withholding 100 % of my funds from my XXXX. In total they have {$95000.00} withheld from me of my own money. I have no money from XXXX, XXXX, being given to me. They have two reserves set. 
I started taking XXXX  for my XXXX  XXXX   on XX/XX/XXXX. I have been doing XXXX  for 4 years through PayPal, and have had 1 chargeback in my four years. 

On XX/XX/2020 PayPal put a hold on my account, limiting it from doing any business. They asked me to submit inventory, bank statements, and other business information in order to release the hold. On XX/XX/XXXX, their merchant review rep XXXX, put a reserve of {$75000.00} ( all of my funds ) into a hold I can not access, as well as putting a minimum reserve of 100 % of sales with a {$50000.00} minimum reach. On top of this, PayPal is withholding both my XXXX  sales money, as well as my payments from XXXX XXXX  work. 

All of this money comes from XXXX  for my XXXX XXXX. Without this money I will go bankrupt. All of the money they're withholding is intended for XXXX  and XXXX  the product for my customers. Without this money I will have nothing to ship. Due to the nature of presell, I have no product to send to customers. The reserve money is not accessible to me AT ALL even though they say it's my money. I am unable to refund customers from this amount, and have no money to refund them, pay for my livelihood, and pay for my products to be XXXX. 

I contacted PayPal through email, as well as called them. This morning on XX/XX/XXXX I spoke with their merchant review rep XXXX. She told me that they would not remove the reserves on my account. They told me I would not receive any money for 6 months. They also told me I would have to find {$95000.00} somewhere else to pay for my products and shipments. XXXX also told me that I would not be able to refund using the reserve money, and would have to use my own funds. PayPal told me I could close my account and get the money in 6 months, or leave the money in the account for an unprecedented amount of time. I begged them to see if I could have a smaller minimum, or have access to the funds at least to refund orders, and they denied me. 

They are also taking non-store sales money. Without this money, I won't survive. Especially during COVID. 

I have contacted the attorney general of each state I have business in, the XXXX  XXXX XXXX, and will be taking more public escalated actions if this is not resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I had a home mortgage with Wells-Fargo Bank. As part of what they described to me as " convenience, '' they asked me repeatedly to also open a " free '' checking account so that payments to my W-F home mortgage account could be transferred online rather than making payment at a W-F branch. 

I explained to them that I already had both a checking and savings account with XXXX XXXX XXXX. The manager in XXXX branch in XXXX, VA, lobbied me hard to open a W-F checking account every month I stopped by to make my mortgage payment. 

When I paid of my home mortgage loan in XX/XX/2019, I had {$150.00} in the W-F checking account. I asked the manager to close the account and was told they would mail me a check to my home address. 

I never received a check for the balance on the account. To make matters worse, every month thereafter my W-F checking account was charged fee after fee that I'd never been charged for previously. When I called to complain, I was put on hold or transferred to another department. The fees kept piling up. When Covid hit, I couldn't even go to my local W-F branch to work out the problem. 

As of today, I've had enough. I called Wells Fargo Customer Care Team at XXXX. I was told the account had been closed and was now in collections. 

I am furious that Wells Fargo pushed me as they did many others to open unnecessary checking accounts and then began charging fee after fee, especially when I was told THERE WOULD BE NO FEES. As a result, I not only lost the balance of {$150.00}, I also now have a charge-off on my credit report thanks to the incompetence of Wells Fargo.

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 2020-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: KY

Complaint narrative:
I was contacted by the company credence RM regarding an XXXX  account that we had a balance for coat of phones themselves and had switched providers. We agreed to a settlement amount that was taken from our bank account in XXXX of 2020. This was set up in two separate payment we received receipts and was with XXXX  mobile. We did not dispute account or amount. After a few months now in XXXX of 2020 we received a new debt notification from the same company in a phone call wanting to collect for " XXXX  wire '' I explained this was already paid and this was no longer an active debt. She said this was for a landline phone in which we have never had. I asked for a validation of debt letter and she said we needed to pay and they never got payment from us on anything. She would not listen to my request asking for proof. She would only respond with if you paid give me the receipt and account number after I did she said no that was a cell phone account this is a wire account which I believe is just wireless cut off. They have refused to dispute or to acknowledge payment of a previous account multiple times and will not send us proof of the debt before we pay. We were in the process of purchasing a home and now have a debt on credit that I can get no information on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-11 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: Nelnet, Inc.
State: GA

Complaint narrative:
Nelnet is reporting inaccurate lat payments on my student loan account. I have called and talked to them several times to try and rectify this situation to no avail. These late payments are affecting my credit score. They are also reporting inconsistent information to the three credit bureaus. I need the late payments removed and the inconsistencies updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: MD

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2020-11-11 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: MD

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2020-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Funding states I got an acct on XXXX XXXX true. I have never seen this company before or did business with them and they Have place a collection of XXXX dollars on my credit file with XXXX. This is false information I never signed anything with this company. If they fraudulent bought my name from a black list which I am the victim of identity theft that is on file all my information was compromised. Especially with a pandemic I am out of work and did not activate any new credit. Its a pandemic going on and they falsified a collection on my credit report they have access my credit file and have my information that I did not give them. I want the collection removed off all 3 bureaus now and updated my credit file. I do not owe or know or owe this company anything. I have been out of work since XX/XX/2020 with underlying medical conditions so they are lying about I opened an acct I. XX/XX/2020. I want it removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: NY

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-11-11 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: NY

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2020-11-11 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: TX

Complaint narrative:
I have contacted XXXX  by phone and mail to remove an item that doesn't belong to me and I have taken further action and I wont the debt removed as there is fraud that was investigated in the past that and I was told by a company working on my behalf that the information would be removed and it yet still appears. 

Dates of unauthorized inquiry XX/XX/XXXX for XXXX  XXXX {$300.00} Credit Card agreed to remove from my credit report up to 30 days XXXX {$4300.00} XXXX XXXX Never Lived here asked for verified documents never received form original company neither heard back from XXXX 

XXXX XXXX - Debt {$2600.00} XX/XX/XXXX opened. Contacted both XXXX and Creditor no corrected actions. Reported on XXXX XXXX XXXX XXXX XXXX - Debt {$2500.00} XX/XX/XXXX Opened No corrected actions of removal. Reported on XXXX, Transunion and XXXX  XXXX Debt {$920.00} Contacted by mail and phone Actions was deleted from one credit bureau but not Transunion and XXXX  XXXX and company continues to report the information now. 

XXXX  Credit Bureau Reports XXXX Debt {$170.00} inaccurate information, also disputed by mail on XX/XX/XXXX no corrected actions of 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 2020-11-11 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: TX

Complaint narrative:
I have contacted XXXX by phone and mail to remove an item that doesn't belong to me and I have taken further action and I wont the debt removed as there is fraud that was investigated in the past that and I was told by a company working on my behalf that the information would be removed and it yet still appears. 

Dates of unauthorized inquiry XX/XX/XXXX for XXXX XXXX {$300.00} Credit Card agreed to remove from my credit report up to 30 days Date:XX/XX/XXXX {$4300.00} XXXX XXXX  Never Lived here asked for verified documents never received form original company neither heard back from XXXX 

XXXX XXXX - Debt {$2600.00} XX/XX/XXXX opened. Contacted both XXXX and Creditor no corrected actions. Reported on XXXX, Equifax XXXX XXXX XXXX - Debt {$2500.00} XX/XX/XXXX Opened No corrected actions of removal. Reported on XXXX XXXX and Equifax XXXX Debt {$920.00} Contacted by mail and phone Actions was deleted from one credit bureau but not XXXX and Equifax XXXX and company continues to report the information now. 

Equifax Credit Bureau Reports XXXX Debt {$170.00} inaccurate information, also disputed by mail on XX/XX/XXXX no corrected actions of deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: NY

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation