vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-04 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1900.00}, {$1900.00}, {$2900.00}, {$0.00}, {$2000.00}, {$1400.00}, {$690.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

6. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$690.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
When I was XXXX at the direction of my XXXX mother I signed my parents mortgage application. The mortgage itself never had my name on it ( on the monthly statements ) and never reported on my credit score or personal income taxes. In XXXX my father was diagnosed with XXXX making him unemployable. My parents fell behind on their mortgage payments. Fast forward XX/XX/XXXX the bank using the initial loan application files a lawsuit against me. Now the mortgage that has not appeared in my credit score shows up and shows over 6 months overdue. My parents are about to now go into foreclosure and I am afraid it keeps getting me dragged into this financial liability I never shouldve been involved in. I never even had title on the house giving me no legal right to even remedy the situation. My parents are about to become homeless as I am the only surviving child that earns any income. Please help me fight this. This is a prime example of predatory lending. As someone who works in banking today, I can tell you with confidence this is not allowed today as predatory lending laws now prevent this but doesnt work retroactively even thou the loan started in XXXX. While my family struggle to potentially fall into severe financial crisis, banks are allowed to continue to practice remedies afforded to them. How this is not a financial crime?

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 2020-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: URS Holding, LLC
State: CA

Complaint narrative:
Alltran sent me a debt collection notice yet I do not owe the debt. I have asked them to provide both verification and validation ( attached letter ) and not response has been received which leads me to believe that they do not have any supporting documentation in the form of a original agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: CA

Complaint narrative:
I have had my attorney send letters to Medical Revenue Service regarding their attempts to collect on this alleged debt and their non-compliant debt collection practices. I am requesting that the CFPB investigate as to why this company does not respond to our requests surrounding this debt. No lawsuits have been filed YET.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Summit A*R, Inc.
State: CA

Complaint narrative:
Summit AR continues to attempt to collect in a non-compliant fashion as the debt they are attempting to collect on does not belong to me. I have asked them several times to communicate with my attorney and yet they have not contacted him and it has been over 30 days now. This is our final attempt to resolve this matter before the matter is escalated. No lawsuits have been filed yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Recovery One, LLC
State: NC

Complaint narrative:
To Whom It May Concern, The reason for my dispute is RECOVERY ONE LLC # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, DEBT RECOVERY ONE LLC failed to give me my " XXXX-XXXX  '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) RECOVERY ONE LLC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation RECOVERY ONE LLC is held  liable as well for defamation and in the state of NORTH CAROLINA indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where RECOVERY ONE LLC is in compliance with NORTH CAROLINA LAW. I also have reported this account to the FTC, and XXXX Police Dept. I need this collection account to be removed from my credit report. RECOVERY ONE LLC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I sent Bank Of America a letter onXX/XX/XXXXand I am requesting that someone please investigate the matter ASAP.

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 2020-10-04 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
USAA has not taken action regarding a letter I sent them on XX/XX/2020. I have not gotten any confirmation from them regarding the matter and I am concerned. This matter is causing me a lot of stress sand XXXX. I don't know why I must spend so much time trying to fix the mistakes by USAA regarding this autoloan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 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: NC

Complaint narrative:
This COMPLAINT/DISPUTE response to an entry THERE ARE SERIOUS VIOLATION OF THE FDCPA. 1ST FAILURE OF NOTIFICATION. 2ND THREATS AND CONTINUED COLLECTIONS EFFORTS WITHOUT ANY VALIDATION WHATSOEVER. 3RD NO VERIFICATION OF ALLEGED VERIFIED ACCOUNTS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX. I HAVE FILED ALL THE REQUIRES PAPERWORK AND DOCUMENTS AND I HAVE YET TO RECEIVED ANYTHING IN RETURN.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 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: NC

Complaint narrative:
This COMPLAINT/DISPUTE response to an entry THERE ARE SERIOUS VIOLATION OF THE FDCPA. 1ST FAILURE OF NOTIFICATION. 2ND THREATS AND CONTINUED COLLECTIONS EFFORTS WITHOUT ANY VALIDATION WHATSOEVER. 3RD NO VERIFICATION OF ALLEGED VERIFIED ACCOUNTS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX. I HAVE FILED ALL THE REQUIRES PAPERWORK AND DOCUMENTS AND I HAVE YET TO RECEIVED ANYTHING IN RETURN.

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 2020-10-04 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: NC

Complaint narrative:
This COMPLAINT/DISPUTE response to an entry THERE ARE SERIOUS VIOLATION OF THE FDCPA. 1ST FAILURE OF NOTIFICATION. 2ND THREATS AND CONTINUED COLLECTIONS EFFORTS WITHOUT ANY VALIDATION WHATSOEVER. 3RD NO VERIFICATION OF ALLEGED VERIFIED ACCOUNTS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX. I HAVE FILED ALL THE REQUIRES PAPERWORK AND DOCUMENTS AND I HAVE YET TO RECEIVED ANYTHING IN RETURN.

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 2020-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I disputed with Equifax a Bankruptcy on my report. They stated that they verified the the report with XXXX XXXX. 

XXXX XXXX has been XXXX since XX/XX/2020. They LIED ABOUT USING XXXX XXXX as the source. That is blatant lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is not updating accounts in a timely matter. XXXX   has deleted accounts from XXXX XXXX. Equifax refuses to delete them although they were notified. I have attached XXXX 's policy. 

I've also attached the pages of my XXXX  report that shows NO COLLECT ACCOUNTS REPORTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Sent money through paypal to the wrong email address and the person who received it didn't return it. Paypal refuses to fix the problem for me, leaving me a negative balance over {$450.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-04 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax   is not updating accounts in a timely matter. XXXX  has deleted accounts from XXXX XXXX. Equifax refuses to delete them although they were notified. I have attached XXXX 's policy. 

I've also attached the pages of my XXXX report that shows NO COLLECT ACCOUNTS REPORTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I updated my credit report with my correct address. I requested that Equifax remove addresses. 

THE ADDRESSES ARE STILL SHOWING ON THE REPORT ALTHOUGH THE REPORT STATES THAT THEY WERE DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: MS

Complaint narrative:
I had a car loan with Exeter finance. The car was stolen, so no payments was made. They where aware of the situation. They reported it to the credit bureau and when I called to 1 let them know the situation I was told if/when they got the car back it would be removed from my credit. Months later the car was impounded in a different state where they caught the person who stole it. I called them and arranged for them to go pick up the car even sending the spare key to the impound yard so they could get it. I called and made sure they got it now they are still reporting it. One credit bureau they are reporting {$12000.00} and on another they are reporting {$14000.00}. I want them to keep their word and remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: MS

Complaint narrative:
I contacted this company and was told it was a debt owed to XXXX. I have never got any furniture or whatever it is they say I got from them. The address they have dont even belong to me nor have I ever lived there. The person I spoke to was rude and just kept saying how am I going to pay the debt. Its not mine and I shouldnt have to pay for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Consultants, Inc.
State: NC

Complaint narrative:
Received medical bill for {$50.00} by Professional Recovery Consultants for a debt that does not belong to me. ( XXXX XXXX XXXX ) let this be notice that this is an attempt to dispute this debt attempting to be collected as not belonging to me nor valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DSW Carolina, LLC d/b/a Resource Services
State: SC

Complaint narrative:
On XX/XX/XXXX I received an alert via my credit report monitoring services. I immediately called Resource Services to inquire as to the source of this account. Unfortunately, I did not get very far. I was told I had to pay the debt or face jail time. In XX/XX/2020 I sent a letter requesting the verification of the debt. What medical practice it was from, and my explanation that all of my debts had been paid on time. I never received a reply. I was able to determine what medical provider they were referring too after doing some research via their website and the South Carolina Secretary of State website to verify Resource Services establishment dates, legitimacy, etc. If the debt they are  referring to is indeed from XXXX XXXX XXXX ( again this is why consumers have the right to request validation ) I know for a fact all my balances were paid. On my last visit there I was informed they would be closing and I would need to seek a new family practitioner. So  obviously the first things that come to mind are obtaining my medical records for my new doctor, updating my address so they will be able to mail said records to me, and then paying any balances due. A few weeks later all of " XXXX XXXX '' news stations reported the practice had been forced to close due to insurance fraud. Still to this day I have not been able to retrieve my medical records. My doctor has tried as will more than once with no success. I received NO LETTERS OF A BALANCE DUE. Never, not once. I NEVER received anything from Resource Services informing me of a debt. I NEVER had the  opportunity to pay outstanding debt, if indeed it is accurate. This bill they are claiming I owe is less than {$100.00} dollars. This is a very small amount for me to pay, especially considering the negative impact it had on my credit score. This has caused personal damages as I was in the process of applying for my business working capital loan. This collection company has COMPLETELY disregarded the collection laws in the State of South Carolina. They have completely " stonewalled ''  any attempt of communication with me and have refused to show verification that the debt was NOT paid. You may have copies of many bills and I assure you that does not mean I did not pay them. I have written correspondences with our Secretary of State XXXX XXXX and our Attorney General XXXX XXXX resulting in my filling a complaint against Resource Services via the XXXX  and the South Carolina Department of Consumer Affairs. Lots of Forfeited entity Status. Just curious what legal structure are you operating under now? I  also cant find you in the XXXX XXXX either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Citibank closed a retail credit card with a rewards program that I had open with them. The two main issues are a privacy concern with illegal monitoring of credit reports and activity and discrimination in lending when I asked them for a credit line increase. 
First being as I typically use the card for everyday purchases and pay off the balance in full every month I would accumulate reward points very rapidly. However with the account being closed this forces me to pay an interest charge on the balance while I pay it off in increments. This was a malicious act by the credit card company in order to make money during the health pandemic and suggests that they are aware of my financial situation beyond the scope of what what is necessary for them to service my account Second, I have excellent payment history with the bank and have paid all of my accounts in full in the past and was repeatedly denied a credit line increase when I requested one based on my credit profile. This bank likes to act as the " Bank Police '' acting in a intrusive and malicious manner towards customers who may owe money to other banks without regards to the individual situation at Citibank often asking questions that are not relative and should not be part of a credit line increase request. 
Lastly, I believe the bank discriminated against me in lending practices being fully aware that such a low line of credit would keep my XXXX score low reducing my buying power and having an adverse affect on me financially. This is antitrust and a violation of Fair Debt Collection Practices and Fair Debt Reporting.

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 2020-10-04 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: FL

Complaint narrative:
I have disputed these accounts several times over the years but they continue to violate FCRA guidelines : - XXXX - XXXX XXXX - Incorrect Utilization Reported

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 2020-10-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
This is part of a class action lawsuit and loan forgiveness, suppose to remove from credit profile for subprime lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 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: MA

Complaint narrative:
We booked a hotel with XXXX on XX/XX/XXXX for {$290.00} paid by Visa ( Capital One ). 
The cancellation policy from XXXX stated a full refund if cancelled by XXXX XXXX. 

On XX/XX/XXXX we cancelled the booking with XXXX due to the Covid-19 pandemic. 

XXXX sent a generic email that we have to talk to the Hotel and that they can not refund the money. The phone line of XXXX was disconnected. An internet search showed that XXXX was in bankruptcy proceedings. Any further attempts to reach XXXX were unsucessful. 

When we contacted the Hotel, the booking agent told us that this reservation had already been cancelled by XXXX on XX/XX/XXXX. We were never notified by XXXX. The hotel had never paid for the booking. 

Capital One initially refunded us the {$290.00} to then charge us again for {$290.00} stating a lack of documentation. 
We have attached written documentation of every fact stated above. Capital One has all the documents as well. We had many phone calls with Capital One where we were quoted conflicting requirements, At each step we fulfilled the requested requirement and are now told that we are past the deadline of an appeal.

Company response to consumer: Closed with explanation