vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
Southwest Credit Systems at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX has been sending me collection notices in the amount of {$190.00} the collection has been reported as unpaid balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature nor did they receive my consent for services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
This complaint is against the following lender : Santander Consumer XXXX XXXX XXXX Ft. Worth, Tx XXXX Santander Consumer is reporting a vehicle loan as charged off, showing a {$29000.00} balance on a car that was voluntarily surrendered XX/XX/XXXX. It was then sold ( supposedly ) on or around XX/XX/XXXX. This item is reporting as a charge-off, but I am disputing the accuracy of this item, because I believe the company is reporting this item in error, and it should be removed. 

The company states they sent information regarding the sale of this vehicle, but it was never received. For a situation of this nature, it would have been in their best interest to have sent it certified, to ensure that it was received properly. There was never notification that the car was being sold, when or to whom and for how much. 

The letter dated regarding the sale of the vehicle I was recently sent ( XX/XX/XXXX ), was dated for XX/XX/XXXX. The vehicle was picked up on or around this date, so how could they send a letter notifying of a sale if the car was picked up days before this letter was supposedly generated. That A " voluntary repo fee '' was assessed on XX/XX/XXXX, yet the sale of the vehicle was reportedly done around XX/XX/XXXX of XXXX. Basically, the time of voluntary repossession, notification of sale and actual sale, I believe violates my rights as a consumer. 

This company did not grant any of the following during the course of the repossession and sale of the vehicle when asked. There was no verification, or validation of why this item is being reported and how they are lawfully reporting this item on my credit report. 

*EFFECT OF ERRORS OR OMISSIONS *NOTIFICATION BEFORE DISPOSITION OF COLLATERAL *TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL *CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL I would like to have this issue investigated immediately. This is a predatory loan company and their integrity has been in question quite often over the last few years. Please investigate, as they are not being of any assistance in trying to get to the bottom of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT IT HAS BEEN WELL OVER 30 DAYS AND I HAVENT RECIEVED ANY INVESTIGATION RESULTS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: VA

Complaint narrative:
I noticed inaccurate information about 3 bankruptcies on my report ( US BKPT CT GA XXXX, Account : XXXX, US BKPT CT GA XXXX, Account:XXXX, US BKPT CT GA XXXX, Account : XXXX  ). I inquired about the bankruptcies showing and they responded stating the courthouse provided the information.I contacted the courts and they stated that did not place the inaccurate information on my report. I have sent several letters including the letter from the courthouse they requested to show court house response to have them remove the unverified bankruptcies. They have been have ignoring my letters violating my consumer rights.

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 2021-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
On XX/XX/2021 Venmo deducted my account - {$1200.00}. I had to report fraud on my Venmo account through my bank. Bank agreed and gave me my money back. Venmo then decided to deduct that money and leave me owing money with a negative balance. 

Within that timeframe I received {$300.00} total from friends/family and that amount was used towards paying the money back Reached out to support. They investigated and closed case. Wont respond any further. 

I want the - {$1000.00} amount cleared to {$0.00} and my {$300.00} returned to me in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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:
Equifax had repeatedly failed to properly investigate XXXX XXXX and XXXX XXXX inquiries on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
On XX/XX/2020 I received a total of {$13000.00} from a family member. This money was for my school tuition. 

On XX/XX/2020 the money was transferred to a bank account through PayPal in which I do not own. 

I immediately called PayPal, filed a dispute, and was denied. Showed proof that it wasnt my bank account and someone else transferred it, not me. 

PayPal is of no help and refuses to refund my money because of their lack of security and investigation. 

PayPal is a SCAM company who doesnt care about their consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX *** ** XXXX XXXX  XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Credit Bureau Representative, I recently reviewed a copy of my credit report on XX/XX/XXXX and noticed six number of inquiries that were unauthorized, inaccurate, or made in error. 
The following inquiries are impermissible : 1. XXXX - XXXX XXXX. Date of inquiry, XX/XX/XXXX. 
2. XXXX  XXXX. Date of inquiry, XX/XX/XXXX. 
3. XXXX XXXX. Date of inquiry, XX/XX/XXXX. 
4. XXXX XXXX XXXX XXXX  XXXX. Date of inquiry, XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX. Date of inquiry, XXXX XXXX. 
XXXX. XXXX XXXX XXXX. Date of inquiry, XXXX XXXX. 

I Kindly ask that you please remove these inquiries from my credit report immediately. 
Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : XXXX The name and job title of the individual who pulled my credit XXXX The date they claim to have received my permission to pull my credit XXXX The method they claim that I authorized them to pull my credit Please also attach documentation to support the verification of these claims. 
Thank you for your prompt assistance with this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2021-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I was told by a telephone representative of Mr Cooper informed me that Due to COVID 19 I didn't have to make a payment for a year. It was not mentioned that i would have to pay it back in a year, nor was i informed of a forbearance. i am almost XXXX  year old with undefined heath issuers and a t risk for Covid 19.Therefore I am not able continue in the work force.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
Hi, I opened up a XXXX credit card through Comenity Bank. In XXXX I paid off all my credit cards, including this card, the whole balance. I received communication in XXXX that this card was sent to collections, which is surprising considering I paid it off. Looking at my statements, after I paid off the card they had charged a {$2.00} interest fee but did not communicate this to me. Since then they have added late fees to each month and interest fees to this {$2.00}, resulting in {$30.00} that was sent to collections. There was no communication to me, through email, mail or phone ( even checked my junk box ) saying I owed or had an outstanding balance, due to an interest fee. I reached out to the company expressing my concern and received a very dismissive response saying they are at liberty to assess fees and no solution to the problem here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
XXXX called to ask about debt. Told them i was dealing with funeral arrangements XXXX called me again, told them do not call me again and told them my father just died and to again not call me XXXX called again, i repeatedly said to not call me. Prove the debt was mine, stop harassing especially after i have requested for no more calls and if i get another call i will file a harassment suit. 

XXXX called them to file a report of harassment and to do not call list. They argued and would not take my report nor forward me to a supervisor. I told them since its a recorded line that if they call me again they are agreeing to harassment lawauit as guilty. 

So we shall see.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-20 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: GA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed in each letter that was sent to you via certified mail, in which I have verifiable proof. The dates that I sent Equifax certified mail was XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 in which I have receipts. With each letter you have ignored my request and the federal law. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation in which you have failed to do. In fact it has been more than 120 days since I initially reached out to Equifax, directly for Equifax to conduct their investigation. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed in each letter sent to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX *** ** XXXX TransUnion XXXX. XXXX  XXXX XXXX, PA XXXX XX/XX/XXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Credit Bureau Representative, I recently reviewed a copy of my credit report on XX/XX/XXXX and noticed seven number of inquiries that were unauthorized, inaccurate, or made in error. 
The following inquiries are impermissible : 1. XXXX XXXX XXXX. Date of inquiry, XX/XX/XXXX. 
2. XXXX XXXX XXXX XXXX ( XXXX ). Date of inquiry, XX/XX/XXXX. 
3. XXXX XXXX XXXX. Date of inquiry, XX/XX/XXXX. 
4. XXXX XXXX XXXX  XXXX. Date of inquiry, XX/XX/XXXX. 
5. XXXX  XXXX XXXX ( XXXX ). Date of inquiry, XXXX XXXX. 
6. XXXX XXXX XXXX XXXX. Date of inquiry, XXXX XXXX. 
7. XXXX XXXX. Date of inquiry, XX/XX/XXXX. 

I Kindly ask that you please remove these inquiries from my credit report immediately. 
Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : XXXX The name and job title of the individual who pulled my credit XXXX The date they claim to have received my permission to pull my credit XXXX The method they claim that I authorized them to pull my credit Please also attach documentation to support the verification of these claims. 
Thank you for your prompt assistance with this matter. 

Sincerely, 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 2021-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I purchased a silk shirt from XXXX and then after receiving it, I found its not a silk shirt. XXXX refused to help and says its final sale. Its basically lying to customer about the fabric, so its defective.I contacted capital one credit card and capital one dispute had a charge back on my account several days later, without even an investigation. I think capital ones dispute process is truly broken. Ive had several charge backs like that and its simply not working. 
{$32.00} on XX/XX/2021

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-20 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: AES/PHEAA
State: CA

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MD

Complaint narrative:
In XX/XX/XXXX, I provided FedLoan Servicing with my employer certification, per policy for the Public Service Loan Forgiveness program. Because the signature was electronic and not 'wet ', they stated the form was not correct. In all the years past, this has been accepted. 

In XXXX, I provided the form again. In XXXX, I called and they stated it would be expedited and the payments would appear on my account. I called again in XXXX, because they still had not been accepted. I was told they were trying to see if my employer qualified. I have been employed with the same government agency since XXXX and my payments have been counted before. 

It is now XXXX and my payments still have not been added to my account. I am tired of calling and getting the run around. You are placed on hold for extended periods of time whether it is on the phone or chat. Everybody gives you a different answer and none of it appears to be the truth. It is rather ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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:
Equifax had repeatedly failed to properly investigate XXXX XXXX and XXXX XXXX  inquiries on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: OneMain Finance Corporation
State: CO

Complaint narrative:
XXXX had repeatedly failed to properly investigate Onemain financial and XXXX XXXX inquiries on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In the process of removing the last incorrect items from my account. Unfortunately, despite disputing every cycle for the past year, this collection item, Account name XXXX XXXX, Account number XXXX, still wrongly persists. This agency has violated the FCRA in the following ways : 1. Knowingly disseminating incorrect info : the apartment knows the information is incorrect, as does the agency. Thats why the other two bureaus have removed this item from my report. The agency is using lowering my credit score as a way to get me to pay just so theyll go away regardless of the accuracy of the info. I have also uploaded the correct amount that is under dispute to Experians online service several times to no avail. 

2. Not stating that the bill was disputed : the underlying amount ( both in amount and the very existence of the debt ) is hotly disputed. The apartment and I have disputed the existence of this debt under applicable state law for the past year but the agency is presenting this bill as if it is undisputed. This violates FCRA 623 ( a ) ( 3 ). Experian is similarly enjoined from reporting this information that is verifiably inaccurate. 

3. The agency has failed to report a date of delinquency as required under FCRA 623 ( a ) ( 5 ) ( A ). 

4. Because certain information was not reported/verified, the agency was required to modify, delete, or permanently block its reporting under FCRA 623 ( b ) ( 1 ). 

5. I attempted to dispute this debt with the agency but it did not investigate as required under the FCRA, particularly Furnished Rule 660.4 ( a ), ( e ). 

These are just the glaring examples. For goodness sake, free me from this unscrupulous agency and its illegal practices. Consumers are dealing with enough right now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: GA

Complaint narrative:
Enhanced Recovery Company , LLC at XXXX XXXX XXXX XXXX, FL XXXX has been sending me collection notices in the amount of {$3000.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract bearing my signature nor did I authorize for any service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: AZ

Complaint narrative:
I have sent out Identity theft packets to all 3 credit bureaus they have not blocked my information that I deemed fraudulent on my account.Bc by law all credit reporting agencies Must block any information deemed fraudulent by the consumer within 4 business days of receiving their identity theft Report. They have failed to do so this is my 3rd time sending them my packet with the information deemed fraudulent a most recent packet got delivered to all 3 on XX/XX/2021 I have yet to see those accounts come off my report.I NEED THESE DELETED NOW!!!!!

XXXX  EQUIFAX INFORMATION SERVICES XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I am disputing this debt because I was never notified of an attempt to collect a debt and given a chance to dispute. I have a right to be informed and my rights were violated. I also do not recognize this debt and I am disputing the accuracy of the information. 

This collection was reported to my profile on XX/XX/2021 but shows an assignment date of XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: CO

Complaint narrative:
On XX/XX/2021, XXXX XXXX XXXX listed a hard inquiry on my credit report that I did not make. Upon requesting removal, I was told to file a police report if I thought it was wrong. I have no loan through them and I wasn't even in their system when I called to inquire about its removal.

Company response to consumer: Closed with explanation