vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-11 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent a letter disputing fraudulent furnishing on my credit report on XX/XX/21 to the three Credit Reporting Agencies ( XXXX, Equifax, XXXX  ). And all three have failed to legally remedy my report and delete the inaccuracies. According to FCRA and 15 U.S. Code 1666b Timing of Payments. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. '' These agencies also violated my rights by furnishing these late payments without permissible purpose and consent by me, under 15 U.S. Code 1681b. 
It has been over 30 days with no response so I have sent a additional letter on XX/XX/21 and have included that also.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
XXXX XXXX XXXX, sent an alleged debt under my name to Transworld Systems INC ( TSI ). 
In a letter dated XX/XX/2021, an amount of {$780.00} is being requested from me ( They underline that the debts in a sum from 3 separated invoices ). The letter was sent to my parents address, I have not lived there for over 3 years. 
I am disputing the charges with TSI, the letter is being sent today, XX/XX/2021. 
The charges are supposedly for shipping, and my credit card was declined. I don't use XXXX for shipping, or ever spent an absurd amount as stated in the latter for shipping purposes

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 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 — Their investigation did not fix an error on your report
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
HI. I have challenged information that is being reported by GM Financial for a vehicle that was stolen. I had insurance and GM Financial has reported to the credit bureau I owe " {$15000.00} '' and added damaging remarks of 'Voluntary repossession '' and " Voluntary Surrender ''. I do not owe any money on the vehicle and I did not voluntarily surrender or voluntarily give up any vehicle. This reporting to the credit bureaus is incorrect,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hi Paypal suspended my account and after 180 days i can't withdraw my funds. 
I contacted the support several times but in vain

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aldous & Associates, PLLC
State: NC

Complaint narrative:
I have received frequent and repetitive collection calls from Aldous & Associates for a debt owed to XXXX XXXX beginning in XXXX of 2019. When I requested documentation related to the debt, the collector sent me the contract that they said I had signed. However, I never signed a contract with XXXX XXXX and I believe the signature on the form was forged by the company after ownership changes. I had cancelled an account with the previous owner. I have made a written request that I stop being contacted about this inaccurate debt, but the company continued to call my personal number from multiple different phone numbers at any time of day or night ( before XXXX, after XXXX ). I have also been notified that attorneys for the company have made them aware of evidence of harassment in my case, but they continue to contact me about payment. The phone calls I have received about the debt were threatening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL

Complaint narrative:
I had septic tank back up on XX/XX/2021. Which water was backing up through my bathtub and toilet. Which caused flooding in both my bathrooms hall way living room closet and all the carpets in my house. My insurance company after 4 months has issued me a check in the amount of {$13000.00} for the repairs, This one employee told me to over night them the check and they would sign it and mail it back for me to begin the repairs. But I'm having trouble with this one women in the loss department of Carrington. They are trying to make me have a nervous break down by fighting me not to mail back the check. She refuses to answer the phone and call me back. She is very nasty toward me and is being very unfair towards me. They want to keep the money for themselves and do what they please. It's my insurance money that I pay to my insurance through my mortgage payments. There is no true justice for us consumers never really has. I informed them when the problem first happen. Everybody is just trying to make me have a nervous break down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Abrahamsen Ratchford, P.C
State: PA

Complaint narrative:
RATCHFORD LAW CONTINUES TO VIOLATE MY CONSUMER RIGHTS AND I WILL BE SUEING THIS COMPANY. AS I STATED IN MY FIRST COMPLAINT, THIS COMPANY DID INDEED COME TO MY HOME WHICH I HAVE A RING CAMERA THAT HAS VIDEO FOOTAGE. I AM ALSO AWARE THAT A DEBT RATCHFORD LAW GROUP IS INDEED A DEBT COLLECTOR AND NOT LAWYERS WHICH IS FALSE REPRESENTATION WHICH IS A VIOLATION OF 15 US 1692E.

ALSO IF NO ONE FROM THIS OFFICE WAS AT MY RESIDENCE THAT MEANS, YOUR WORDS AND RESPONSE ARE NOT VALID AND YOU ARE GOING OFF OF ASSUMPTIONS WHICH IS INDEED A VIOLATION OF 15 US 1692G.

PAYMENTS WERE MADE TO THIS COMPNAY AND YOU CAN EITHER REPAY ME 2X OF WHAT WAS PAID OR YOU CAN CEASE COLLECTION AND REMOVE MY INFORMATION FROM YOUR DATABASE. THIS DEBT WAS NEVER VALIDATED FOR YOU TO EVEEN SERVE ME PAPERS OR TO EVEN COLLECT A DEBT WHICH IS ALSO A VIOLATION OF 15 US 1692G. I HAVE 30 DAYS TO DISPUTE A COLLECTION WHICH I WAS NOT GIVEN THE OPPORTUNITY TO. 

PLEASE FIND ATTACHED MY AFFIDAVIT OF TRUTH ATTACHED WHICH I AM THE CONSUMER AND ORIGINAL CREDITOR.

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 2021-07-11 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a letter to XXXX, XXXX  and TransUnion on XX/XX/2021 regarding inaccurate and unverifiable items on my credit report. It has been over 90 days and I have not received a response from anyone. Failure to respond is a FCRA violation of my rights as a consumer. In section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 90 days, these items must be removed and deleted immediately. I demand these accounts be removed and deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to obtain credit and these inaccurate items are preventing me from doing so.

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 2021-07-11 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a letter to Equifax, XXXX  and XXXX  on XX/XX/2021 regarding inaccurate and unverifiable items on my credit report. It has been over 90 days and I have not received a response from anyone. Failure to respond is a FCRA violation of my rights as a consumer. In section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 90 days, these items must be removed and deleted immediately. I demand these accounts be removed and deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to obtain credit and these inaccurate items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
I have an XXXX  mastercard account issued by XXXX bank. It is linked to an old paypal account that is linked to an old address XXXX. I have been trying to get this linked to my new paypal account XXXX for the last year. Paypal tells me to contact XXXX and XXXX tells me to contact paypal. Today XX/XX/2021 I have spent over XXXX XXXX hours calling and messaging with both paypal and XXXX. XXXX has now indicated that there is no way to unlink them. Despite the fact that I no longer have the email address used for the paypal account. I have spoken with supervisors at both paypal and XXXX. I am now speaking with XXXX operator ID XXXX at Synchrony who has advised it can not be unlinked and that I can not close the paypal account and that there is no way to access the XXXX mastercard online but for an old paypal account. After XXXX minutes I was transfered to XXXX op id XXXX with XXXX XXXX  who advised that this was how it was set up by PayPal and that XXXX has no other way for me to access the card electronically. I have asked PayPal to change the email address on the old account to the new email to resolve the issue. I was told that I had to open a new PayPal account and cancel my XXXX credit card. This can not be the first time this issue has arisen and no one is willing to present a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
HI. I have challenged information that is being reported by XXXX XXXX for a vehicle that was stolen. I had insurance and XXXX XXXX has reported to the credit bureau I owe " {$15000.00} '' and added damaging remarks of 'Voluntary repossession '' and " Voluntary Surrender ''. I do not owe any money on the vehicle and I did not voluntarily surrender or voluntarily give up any vehicle. This reporting to the credit bureaus is incorrect,

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 2021-07-11 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
HI. I have challenged information that is being reported by XXXX XXXX for a vehicle that was stolen. I had insurance and XXXX XXXX has reported to the credit bureau I owe " {$15000.00} '' and added damaging remarks of 'Voluntary repossession '' and " Voluntary Surrender ''. I do not owe any money on the vehicle and I did not voluntarily surrender or voluntarily give up any vehicle. This reporting to the credit bureaus is incorrect,

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 2021-07-11 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 — Their investigation did not fix an error on your report
Company: Bayside Credit
State: CA

Complaint narrative:
I have a vehicle loan. And the loan company keeps reporting an increase in my loan balance causing my credit score to be affected. I tried calling and talking directly to the loan company but they deny any wrong doing. I reported it through the credit bureau and through here. The loan company reports that my balance has increased when in fact it has not. Its a simple interest loan. When the payment is received the daily interest is deducted from the payment based on the amount of days since the last payment was received. What this company does is reports the payment received and the principal balance to the credit bureau. Then a few days or weeks later it reports a balance increase by adding the simple interest to the principal balance. This causes my history to reflect negatively against me. And my credit score drops. In fact the amounts they report to the credit bureau are incorrect. They are aware that by doing this it is ruining my credit score and yet the continue to do so. How is it fair if you pay down a loan only for the loan company turn around and report the simple interest as an increase. They know its hurting my score yet they continue this practice

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XX/XX/XXXX, a notice I was being sued was left on a table that wasn't my abode for anyone to see violating my right to privacy. The person who left the paper came at XXXX also a violation of the FDCPA. I do not agree to said amount that it claims is owed and the notice had a multitude of violations. I responded within the 30 days and still haven't heard a response back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Im not sure of dates ... but I have disputed this account numerous times with all 3 credit report agencies wells fargo card services is on my credit report with a balance of {$3200.00} credit card limit being {$3300.00} i have absolutely no knowledge of this account. Im not sure if its fraudulent or a mistake. I did open a secured credit card with Wells Fargo in 2014 with a {$300.00} dollar limit but that was taken care of on my report. How can I get this removed and how can I figure out if it was fraud?

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 2021-07-11 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I filed a dispute with Experian on XX/XX/2020 about a fraudulent account ( XXXX XXXX XXXX XXXX ) and on XXXX XXXX I was notified that this item was deleted and blocked from credit report. In XX/XX/2020 this items reinserted but onto my credit report. According to the FCRA requirement Section 611 ( A ) ( 5 ) ( B ) ( II ) the agency is required to notify me of the reinsertion in writing within 5 business days. I received no such notification at all of this reinsertion. So the Credit Agency ( Experian ) is in direct violation of the FCRA.

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 2021-07-11 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: MN

Complaint narrative:
My XXXX XXXX XXXX  Visa Credit Card : XXXX is lost/stolen. All of the transactions listed from XX/XX/2021 to XX/XX/2021 for {$400.00} is all fraudulent charges and transactions. My card is lost/stolen with fraudulent transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Since XXXX of 2021 I have submitted numerous Letters to Equifax, XXXX  and XXXX  in regards to a Bankruptcy on my consumer report, All letters have been sent certified mail with tracking yet after the 60 day period i have never received any response or update towards my consumer report. I have sent 3 letters asking for a investigation with proper methods of verification and have received nothing. I however did file a motion prior to filing my bankruptcy to seal all documents which i filed with the court and a debtors full social is filed with the the original petition, therefore the only information that could be released to third parties is full name, last four of social and address under the Federal rules of Bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 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: Sunset Management, Inc
State: SC

Complaint narrative:
Sunset Finance sent a loan offer via live check through the mail for a {$69000.00} loan around XX/XX/2016. According to my bank account records, that loan was accepted and check deposited on XXXX. The terms were most likely for 12 months at a ridiculous APR based on the rule of XXXX installment loan repayment model. My bank documents and check register show I paid {$100.00} on XXXX, {$100.00} on XXXX, and to pay off the loan in full early paid {$590.00} on XXXX. Instead of applying the last payment to pay account in full, Sunset Finance used that payment to apply monthly payments for several months fo which I received no statements of any kind. And after the funds I paid were used to their benefit, they began to call and even come by my home requesting payment. I went to the business and spoke with the supervisor at the time and even called the headquarters in my area to dispute their request for more payments. I had to threaten to take the issue to a higher financial or business authority. After all was said and done, I DID NOT PAY ADDITIONAL FUNDS AND MY ACCOUNT WAS MARKED PAID IN FULL. I just found out recently that Sunset Finance reported my account as a delinquency of 60 plus days to XXXX. I disputed the information with XXXX  and their " investigation '' claimed the information was accurate. I vehemently deny any reportable delinquency for this aged account and would like it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
XXXX sent XXXX a charge and charged my navy federal credit card and it wasnt even a right charge. I am filing for insolvency since i havent had a job since 2019! I am currently going through financial hardship and have not recieved any stimulus yet. Please pause all my accounts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TD BANK US HOLDING COMPANY
State: RI

Complaint narrative:
I opened a secured credit card with TD Bank on summer of 2017. I had to make a XXXX dollar deposit to receive the XXXX dollar credit line. With the secured credit card they advertised to me that after making 6 months of on time payments I would be graduated to the regular credit card. After having the card for 4 years I have not been upgraded and received my XXXX dollars back. When contacting the company and visiting a branch no one can give information about why my account has not been graduated. My credit score has skyrocketed since opening the card ( XXXX XXXX, I have not been late. This type of advertising and misleading to people trying to improve their credit. Customers like myself did not have much money to spare when trying to get this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Since XXXX of 2021 I have submitted numerous Letters to XXXX XXXX and Transunion in regards to a Bankruptcy on my consumer report, All letters have been sent certified mail with tracking yet after the 60 day period i have never received any response or update towards my consumer report. I have sent 3 letters asking for a investigation with proper methods of verification and have received nothing. I however did file a motion prior to filing my bankruptcy to seal all documents which i filed with the court and a debtors full social is filed with the the original petition, therefore the only information that could be released to third parties is full name, last four of social and address under the Federal rules of Bankruptcy.

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