vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MARINER FINANCE, LLC
State: GA

Complaint narrative:
I paid off the total amount due on the loan through several payments that the Mariner Finance did not report on my credit report. The company has reported -- even after I disputed their reporting through XXXX and gave them a chance to correct their information -- I have bank statements that verify I made a {$650.00} payment to Mariner Finance on XX/XX/XXXX. Then I made a payment of {$110.00} on XX/XX/XXXX. A {$100.00} payment on XX/XX/XXXX, another payment of a {$100.00} on XX/XX/XXXX, a payment of {$130.00} made on XX/XX/XXXX for a total of at least {$1000.00} of the amount paid to Mariner Finance. None of these payments have been reported or deducted from the amount that Mariner Finance claims that I owe them. 

I could not get a statement to discover how much money was left on my account to paid even though I went into their office to ask for the final statement. I was informed that they no longer had my account information available. This lack of accountability of Mariner Finance has continued for at three years of continuous negative reporting on my credit reports and is a contributor of adverse credit ratings. I could understand if I had not reached out to them and made good faith efforts to pay on this account. Even to the extent of making a payment of almost {$700.00} all at once even though I am on VA XXXX and limited income. 

I have done everything I could to settle and then correct the reporting of this debt but Mariner Finance still insists after I filed disputes against their wrong reporting that I owed {$1100.00} when they wrote it off, without reporting or deducting the amount that I paid in XXXX of {$1000.00} ( of which when added to the payments I made in XXXX. 

On XX/XX/XXXX, I made an online payment of {$130.00} to Mariner Finance. XX/XX/XXXX, I made a payment of {$81.00}. This does not include payments I made in person at the office. Still, I can prove that I at least paid {$1300.00} to Mariner Finance and that Mariner Finance still chose to send my account into charge off even after I made substantial payments to them without being given a statement of itemized charges and how much was actually owed on the account. 

I hope that some relief and assistance to be provided to me to stop the adverse actions this company insists on continuing against me.

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 2020-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
After reviewing my Transunion, XXXX XXXX credit profile I seen an inaccurate account reporting a late payment back in XX/XX/2019 for an XXXX account. I was never late on this account.

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 2020-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
After reviewing my XXXX XXXX, Equifax credit profile I seen an inaccurate account reporting a late payment back in XX/XX/2019 for an XXXX account. I was never late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 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: CREDIT ACCEPTANCE CORPORATION
State: CO

Complaint narrative:
I had a loan for a vehicle through Credit Acceptance for a vehicle I purchased in XX/XX/XXXX. In XXXX after 20 MONTHS OF ONTIME PAYMENTS, the vehicle was stolen and when recovered was a total loss. I had full coverage insurance as well as gap insurance through the finance company on the vehicle. Once recovered, I went to XXXX impound and signed over power of attorney to the finance company so they could deliver the vehicle to the insurance company to pay the claim. Credit Acceptance NEVER DELIVERED THE VEHICLE to the insurance company and after 30 days XXXX impound crushed it and sold it. Due to never getting the vehicle delivered ( which was the responsibility of the finance company as I had signed over all power of attorney ) my insurance company did not pay the finance company. Credit Acceptance then told me I had to continue to make payments on the vehicle which I did for 1 month AFTER THE VEHICLE WAS DEEMED A TOTAL LOSS but then could not afford any longer due to having to purchase another vehicle as well as all my tools that were stolen that were in the vehicle. Credit acceptance then proceeded to attempt to sue me FOR THEIR INCOMPETENCE but the case was thrown out by the judge. In XXXX, my insurance company finally paid out Credit Acceptance but I never received ANY FORM OF REIMBURSEMENT for the taxes, plates, my tools or any of the thousands of dollars in parts I had installed prior to the theft of the vehicle and total loss. Currently Credit Acceptance shows I have 6 charge offs on my credit report which has prevented me from obtaining housing, loans and credit cards for the past 5 years as this is one of  the only accounts on my report. I had NEVER MADE A LATE PAYMENT- EVER- and yet they are still saying I was in collections over the account and refuse to change this after MULTIPLE times contacting them as well as MULTIPLE DISPUTES. Credit Acceptance has made my life a living XXXX the past 5 years and has resulted in homelessness ( even while I was working full time- I could not find an apartment due to my credit score being so low as it dropped from a XXXX to in the 400s due to this ) yet they refuse to fix anything on my account. I have the utmost contempt for this company as they have made me suffer beyond words and destroying my life is nothing but a game to them.

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 2020-08-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Quality Asset Recovery LLC
State: NJ

Complaint narrative:
I asked for a contract proving that these accounts held me contractually liable to pay them. They failed to send any information requested. they only sent a letter stating the amount owed. This in in violation of my consumer rights and the FDCPA/ Federal Rules of Civil procedure. I have contacted this company on numerous occasions requesting that they delete these false accounts. 

I know that the FCRA requires them to have proof the account is mines in order to report it to the bureau. They are reporting this false information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Quality Asset Recovery LLC
State: NJ

Complaint narrative:
I asked for a contract proving that these accounts held me contractually liable to pay them. They failed to send any information requested. they only sent a letter stating the amount owed. This in in violation of my consumer rights and the FDCPA/ Federal Rules of Civil procedure. I have contacted this company on numerous occasions requesting that they delete these false accounts. I know that the FCRA requires them to have proof the account is mines in order to report it to the bureau. Quality Asset Recovery LLC is reporting this false information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Quality Asset Recovery LLC
State: NJ

Complaint narrative:
I asked for a contract proving that these accounts held me contractually liable to pay them. They failed to send any information requested. they only sent a letter stating the amount owed. This in in violation of my consumer rights and the FDCPA/ Federal Rules of Civil procedure. I have contacted this company on numerous occasions requesting that they delete these false accounts. I know that the FCRA requires them to have proof the account is mines in order to report it to the bureau. Quality Asset Recovery LLC is reporting this false information. 

This company continues to contact without any proof or validity of the debt.

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 2020-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: MO

Complaint narrative:
My complaint is with Cashapp. I have an amount of {$7400.00} on my Cashapp account. Cashapp however locked my account because I logged into my account on a different device. After sending several emails they finally replied and said I would have to wait for about 45 days before I can have access to my account. Within those few days I had an email that both my mobile number and email has been unlinked from account leaving me with no access to my account. It has been 45 days already and I still dont have any access to my account or my money. I have emailed them several times and even XXXX on their support page on XXXX   but I however don't get a response at all or get the same automated response. 
Right now I believe cashapp is trying to scam me and keep my money. I have sent several emails and nobody is responding to me. I just want to get my money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 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: TX

Complaint narrative:
I have written letters to the credit bureaus requesting verification of an account being reported by XXXX XXXX XXXX. Each time, the account is coming back as " verified ''. I have requested information on how the information was verified and have received no response. The credit bureaus in question are not following the law. They are solely relying on E-oscar to " verify '' accounts. They are also not adhering to metro 2 compliance protocol. Instead of doing their own independent investigation, they are going solely off of the incorrect information that is being supplied by XXXX XXXX XXXX. I have tried for MONTHS to get documentation from XXXX XXXX XXXX to justify their reporting and they have not been able to provide me with documentation. If they can not supply ME with documentation, then how are they able to report this information to the credit bureaus? That is a huge problem.

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 2020-08-30 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: CO

Complaint narrative:
I had a loan for a vehicle through XXXX XXXX for a vehicle I purchased in XX/XX/XXXX. In XXXX after 20 MONTHS OF ONTIME PAYMENTS, the vehicle was stolen and when recovered was a total loss. I had full coverage insurance as well as gap insurance through the finance company on the vehicle. Once recovered, I went to XXXX impound and signed over power of attorney to the finance company so they could deliver the vehicle to the insurance company to pay the claim. XXXX XXXX NEVER DELIVERED THE VEHICLE to the insurance company and after 30 days XXXX impound crushed it and sold it. Due to never getting the vehicle delivered ( which was the responsibility of the finance company as I had signed over all power of attorney ) my insurance company did not pay the finance company. XXXX XXXX then told me I had to continue to make payments on the vehicle which I did for 1 month AFTER THE VEHICLE WAS DEEMED A TOTAL LOSS but then could not afford any longer due to having to purchase another vehicle as well as all my tools that were stolen that were in the vehicle. XXXX XXXX then proceeded to attempt to sue me FOR THEIR INCOMPETENCE but the case was thrown out by the judge. In XXXX, my insurance company finally paid out XXXX XXXX but I never received ANY FORM OF REIMBURSEMENT for the taxes, plates, my tools or any of the thousands of dollars in parts I had installed prior to the theft of the vehicle and total loss. Currently XXXX XXXX shows I have 6 charge offs on my credit report which has prevented me from obtaining housing, loans and credit cards for the past 5 years as this is one of  the only accounts on my report. I had NEVER MADE A LATE PAYMENT- EVER- and yet they are still saying I was in collections over the account and refuse to change this after MULTIPLE times contacting them as well as MULTIPLE DISPUTES. XXXX XXXX has made my life a living XXXX the past 5 years and has resulted in homelessness ( even while I was working full time- I could not find an apartment due to my credit score being so low as it dropped from a XXXX to in the 400s due to this ) yet they refuse to fix anything on my account. I have the utmost contempt for this company as they have made me suffer beyond words and destroying my life is nothing but a game to them.

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 2020-08-30 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: CITIBANK, N.A.
State: HI

Complaint narrative:
I purchased a cordless vacuum from a third party vendor on XXXX, the XXXX XXXX XXXX, on XX/XX/XXXX. I received the item on XX/XX/XXXX. I used it for a week or two before it completely stopped functioning and sucking up anything from my floors. I tried everything from fully charging the battery to turning it on and off again to trying it out on hardwood flooring versus rugs. Nothing worked it merely pushed the dirt around or would spit it right back out all over the place. I called XXXX to request an immediate refund as the product was inoperable and damaged. But because this was obtained from a third party seller, XXXX, XXXX could not issue me one. I attempted to contact the company to which they told me to simply charge the battery or to send the broken vacuum back. After trying those two routes, I decided to contact my credit card company, as I did not believe it was appropriate for them to request for me to return the damaged product in an oversized box ( which I did not have ) in order to receive a refund. Please note that I also live in Hawaii where mailing back items of this size is a large inconvenience for a broken product that I have since thrown away. This was XXXX XXXX mistake for selling me a broken product that didn't work and for refusing to refund me. A dispute was filed with my credit card company, Citicard, but I just received notice on XX/XX/XXXX that the {$100.00} charge was resolved in XXXX XXXX favor. This was an unjust service all the way around, including the credit card company, and it does not sit right with me. The product is the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. There are many reviews of customers who have had the exact same experience as I have and so I know that I am not in the wrong and this should have been handled in my favor and much more appropriately. I believe this company is doing shady business. Thank you for your time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I began sending letters in XX/XX/2020 asking for Equifax to delete incorrect addresses from my credit file. They have failed to respond. There are over 10 addresses on my file. This is inaccurate and damaging my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$780.00}, {$130.00}, {$0.00}. 
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 ) -- OPEN ACCOUNT 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$780.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$130.00} -This is not my account. 


-- PERSONAL ACCOUNT 3. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$0.00} -This is not my account.

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 2020-08-30 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: TX

Complaint narrative:
I have written letters to the EXPERIAN requesting verification of an account being reported by XXXX XXXX XXXX. Each time, the account is coming back as " verified ''. I have requested information on how the information was verified and have received no response. The credit bureaus in question are not following the law. They are solely relying on E-oscar to " verify '' accounts. They are also not adhering to XXXX XXXX compliance protocol. Instead of doing their own independent investigation, they are going solely off of the incorrect information that is being supplied by XXXX XXXX XXXX. I have tried for MONTHS to get documentation from XXXX XXXX XXXX to justify their reporting and they have not been able to provide me with documentation. If they can not supply ME with documentation, then how are they able to report this information to the credit bureaus? That is a huge problem.

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 2020-08-30 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$780.00}, {$130.00}, {$0.00}. 
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 ) -- OPEN ACCOUNT 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$780.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$130.00} -This is not my account. 


-- PERSONAL ACCOUNT 3. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$0.00} -This is not my account.

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