vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
On XX/XX/2001 I withdrew {$5000.00} from my Ally Invest Account into my Ally Savings Account. I was charged {$280.00} by Ally Invest, they labeled it a Pre Pay fee. As listed on Ally Invest 's website, Pre Pay Settlement Fees are {$20.00}.

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 2021-05-05 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: OH

Complaint narrative:
In XX/XX/2019, I submitted a police report and FTC report for items on my credit report that do not belong to me. I am trying to purchase a home and am not able to because of these items on my credit report. I have attached the FTC and Police Report for the fraudulent items : XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX My telephone number is XXXX. These numbers listed on my report I have never had : ( XXXX ) 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 2021-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paxful Holdings, Inc.

Complaint narrative:
My account at Paxful has been frozen since 9 months and Paxful claimed that it is under compliance review. Till today this review did not finish and Paxful is not allowing me to withdraw my funds. it is an amount of XXXX. I want to withdraw my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: FL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint w/ the CFPB due to unlawful, inaccurate inquiries are on my Equifax and XXXX credit report that I don't recognize and need to be deleted.. They are a direct violation of the FCRA and my federally protected consumer rights..I informed Equifax, XXXX , and XXXX about the unlawful inquiries on all 3 credit reports and only XXXX did a proper investigation and found the truth.. XXXX honorably and promptly Deleted all the unlawful inquiries off my XXXX credit!! However XXXX and Equifax has ignored the truth and continued to intentionally & unlawfully list these inquiries on my credit and ruin my credit and my life!! 
XXXX, Equifax, and XXXX/XXXX  of XXXX XXXX needs to be punished if they don't delete these inquiries off of my credit right now! PLEASE SEE XXXX '' S ( XX/XX/20 ) FINDINGS TO THIS COMPLAINT.. Thank you in advance for your help.. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
This Debit is not mine this was due to fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diverse Funding Associates LLC
State: NJ

Complaint narrative:
DNF Assoc is listed on my credit report as a collections account. I have been trying very hard to rebuild our credit, and this account is a problem. According to my credit report this was reported in XX/XX/2020, amid the pandemic. 
I was not given any notification of this debt, nor have I been contacted since this debt has been added to my credit report. How can you report a debt to the Credit Bureau, especially in a derogatory manner without giving any kind of notice to the creditor? I wasn't even given the chance to settle this account. 
I have contacted you several times, I was told my account is CEASE Pending. still no results or resolution. I am not even clear what account this is for. I expect this derogatory mark to be removed from my Credit Report immediately.

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 2021-05-05 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: HI

Complaint narrative:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: SC

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CBM Services, Inc.
State: MI

Complaint narrative:
This company is trying to collect a debt that I have no knowledge of from a city I do not stay in, which has resulted in damaging my credit history, putting me further behind during a worldwide pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The following accounts has a violation of SCRA and FCRA rights. The issue is I have attempted numerous times to fix the issue with the company, but they have not been willing to help and fix the issues. These incluse several violations of my rights as a consumer outlines in FCRA & SCRA. I have attached the following documentation verifying such. No verification has been done on Experian 's part. The following accounts are as follows : Account info Account name XXXX  XXXX  Account number XXXX Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account info Account name XXXX Account number XXXX Account info Account name XXXX Account number XXXX Account info Account name XXXX XXXX XXXX XXXX  Account number XXXX Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Account info Account name XXXX XXXX Account number 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 2021-05-05 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: CO

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 2021-05-05 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 2021-05-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
MY STATE RIGHTS ARE BEING VIOLATED. I AM BEING OVERCHARGED ILLEGALLY. 

When closing the refinance in XX/XX/XXXX with the same company I had a mortgage since I 1st bought the house, I gave the closer a the originals from the state of WASHINGTON that I am a XXXX individual. 

It is XX/XX/XXXX. I have mailed by regular mail copies of the XXXX status, I have uploaded SEVERAL times to their upload option in the Contact US link ( which was re-suggested I use by the company just a week ago ). 

I have been overpaying and even struggling to meet the excessive payment. The 'released ' a 1st escrow payment, but I receive no refund from this company either. 

I called last week. The agent said she doesnt see any copy in the system ( whether the one I gave the colser, the one I sent by mail or the several I sent online ). The escrow rep told me to re-uploaded. I did last week. NOTHINHG changed. 

I wrote again yesterday to their non-functioning-Contact-US ( a problem I have had complaint about this company here before, they gave the impression that they upgraded and improved their online services, BUT THAT IS BULL!! ) I told them to contact me in 24 hrs. Of course, NOTHING happened. 

So, here I am, 1 step away from suing. I demand that they follow the law, adjust my bill, and/or give me a refund! Im being robbed here! My rights as XXXX veteran are more than violated. I did my due diligence.

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 2021-05-05 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 2021-05-05 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: MA

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 2021-05-05 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have been locked out of my transunion credit report for over a year. I have contacted them numerous times including XXXX and two weeks prior. They have told me several times that it will be fixed and they are mailing me a copy of my credit report. This has not happened. I am certain there are errors on their report and need access to this. I appreciate your help in resolving this matter.

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 2021-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX I purchased a used XXXX XXXX XXXX XXXX VIN # : XXXX ) for {$14000.00} financed by Westlake Financial. The car dealer advised me to obtain GAP INSURANCE since the value of the car is less than the loan amount. I paid {$160.00} for the Gap Insurance thru Westlake Financial. 
On XX/XX/XXXX the car was involved in an accident ; XXXX declared the vehicle a total loss and sent an amount of {$9400.00} to Westlake Financial. The GAP Insurance was supposed to cover the remaining balance of the loan. 
To my astonishment, Westlake Financial sent me a bill for the remaining balance and I have to make a payment of {$240.00} on XX/XX/XXXX. I contacted them many times ( spoke to XXXX XXXX once ) and they kept telling me that they will remove the balance. I asked them to send me an email confirming that they will remove the balance, which they never did.

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 2021-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2021 I submitted paper to experian credit consumer agencies, to clear my good name and investigate this collection agency for not following the law! they did not follow the law and remove due to incorrect Information provided by collection agency. Also the collect agency has stop all communications with me to resolve the matter

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 2021-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX master card {$960.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$660.00} and {$350.00} XXXX XXXX XXXX XXXX XXXX bank {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} Have two names they use that are not even mine as known as on the page one of them is last name is not even mine and the other the first name is not how I spell it They also have an address that I have no idea whos it is on there as well Can someone help me with these issues??

Company response to consumer: Closed with explanation