vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-07 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:
XX/XX/XXXX - SENT LETTERS TO ALL 3 BUREAUS DISPUTING ACCOUNT INFORMATION AND REQUESTED A FULL INVESTIGATION TO VERIFY POTENTIALLY ERROUNOUS INFORMATION AND DETERMINE IF THE ACCOUNT NEEDED TO BE REMOVED. I ALSO ASKED FOR AN UPDATED CREDIT REPORT AND IF ANYTHING IS VERIFIED I REQUESTED A COPY OF ANY PAPERWORK USED TO MAKE THIS DETERMINATION RESULTS : NO RESPONSE XX/XX/XXXX - SENT A REQUEST FOR A RE INVESTIGATION. STATED THST THE INFORMATION COULDNT POSSIBLY BE VERIFIED BECAUSE THE INFORMATION WAS STILL INACCURATE AND DIFFERENT ACCROSS ALL 3 BUREAUS. 
RESULTS : NO RESPONSE XX/XX/XXXX ASKED FOR A FULL INVESTIGATIION AND DISPUTED ACCOUNT AGAIN. THIS TIME ASKING FOR FULL DETAILS ON INVESTIGATION RESULTS : SENT A BILL PRINTED FROM XXXX WITH ACCOUNT BALANCE STATING THIS PRINTED DOCUMENT IS CONSIDERED VERIFICATION XX/XX/XXXX : REQUESTED AN INVESTIGTION AND DISPUTED INFORMATION ON ALL 3 CREDIT REPORTS RESULTS : SENT COPY OF SAME BILL SENT IN THE PREVIOUS DISPUTE STATING DOCUMENT WAS CONSIDERED VERIFICATION XX/XX/XXXX : DISPUTED ACCOUNT INFORMATION. REQUESTED PROOF OF PREVIOUS REQUESTED INVESTIGATION FINDINGS. I ALSO REQUESTED ANY INFORMATION AND/OR DOCUMENTATION TO PROVE VERIFICATION. 

HOW IS THIS INFORMATION VERIFIED AND CREDIT REPORTS SHOW DIFFERENT " DATE LAST ACTIVE '' DATES? 

PLEASE REFER TO ATTACHED DOCUMENTS FOR CLARITY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Credit Service Repair
State: FL

Complaint narrative:
On XX/XX/XXXX of XXXX, I hired Credit Service Repair Corp, I spoke with XXXX XXXX and she prepared the documents ( attached ) to start repairing my credit, but up until XX/XX/XXXX, I did not receive any of the information that credit service repair corp is disputing in my credit profile, I called the company and a person called XXXX stated that they DID NOT provide any of the information that they are disputing on my behalf, I requested in writing via email a formal copy of any and all the letter that they have been sending to the credit bureaus and they simply deny my rights. I inform them verbally and in writing via email of my intention to revoke any authorization to dispute or disclose any information on my credit reports. If credit Service Repair Corp, does not provide me with the information that they had disputed on my behalf I would like to proceed with legal actions in order to protect my 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 2021-04-07 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: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
I don't know who Waypoint is it is possible fraud as they have been unresponsive. I do not have a signed contract for services or products with Waypoint. Please remove this from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Key 2 Recovery, Inc.
State: WA

Complaint narrative:
I contacted XXXX on XXXX XX/XX/2021 to report identity theft for credit report # XXXX. However, no customer service person from XXXX was available to take down the information. Therefore, I reported identity theft to the Federal Trade Commission XXXX XXXX XXXX. 

Key2Recovery Inc, put an account into collections as a direct result of identity theft from the XXXX and XXXX data breaches. On XXXX XX/XX/2021, I immediately disputed the information with XXXX which did not remove the information. The dispute remains pending with XXXX and XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a letter pertaining inaccurate and unknown things on my credit report on XX/XX/2021. It has been well over 45 days and until today I have not received a response. It appears my disputes are being ignored and I feel like I am being taken advantage of. Section 611 ( a ) plainly states that a failure to investigate these items, within 30 days gives a reason to immediately remove these items from my credit report. It has been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately, otherwise I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and my information may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harpeth Financial Services, LLC
State: GA

Complaint narrative:
I have been trying to reach out to the 3rd party debt collector XXXX XXXX XXXX ( On behalf of/debt purchased from Advance Financial LLC ) by mail so that a settlement resolution can be reached in writing. However XXXX XXXX XXXX has continued to call me over the phone where in my letter I expressed that I need to be reached via mail to a new address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Citi bank savings account was closed without prior communication. No access to account and I was told a check will be mailed in 30-60 days. Several calls where made to the bank but no one gave a reason and no one could expedite the process to receive a check.

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 2021-04-07 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: RI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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 {$2300.00}, {$2100.00}. 
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 ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Continental Finance Company, LLC
State: PA

Complaint narrative:
these are calls that were made to a XXXX XXXX. XXXX XXXX has told them they have the wrong number, and blocked their calls and texts yet they continue to switch numbers to bypass the blocks.

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 2021-04-07 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: FIRSTBANK PUERTO RICO
State: NJ

Complaint narrative:
Santander of Puerto Rico dint handle properly the moratorium that i was inform, on loan # XXXX Never honored. instead they did collections calls at XXXX XXXX  demanding balance to be paid, informing that they going to inspect the property. 
We went and put account up to date, never in 9 years were late till the pandemic We dint know what to do .. This loan is a 7 % high interest. Is killing our savings, Recently we went to refinance loan and was denied because late remarks 30 60 days late with this bank. 
Santander of Puerto Rico was sold to First Bank of Puerto Rico therefore we end with two late reports from same loan account. Credit cards CUT ME OFF to a {$500.00} limit, reason that my score went down 100 points. My savings are in this bank and is more than this note. DO we deserve this? We are corner to keep paying this high interest loan with no bank want to do business with us because these facts,. ( late mortgage payments 30 and 60 days from 2 diff banks and a XXXX score )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
On XX/XX/2021 I sold a working rare XXXX XXXX XXXX XXXX game on XXXX to the scammer XXXX XXXX WITH PAYPAL for the amount of {$200.00} he got the package on XX/XX/2021 and said nothing until XX/XX/2021 that is 24 days later. He then made the false claim that I sent him a broken disc and he was 100 % sure that the disc was broken because of the scratches on the disc. On the listing page I disclosed that the disc had scratches. I then told XXXX that the XXXX XXXX  is almost 30 years old and the drives are failing left and right and provided him links of other people having issues to show this fact. XXXX still insisted that I sent him a broken disc. I then asked XXXX to put the disc in his cd drive to verify that the disc was broken and not his XXXX. XXXX then said the following if I tried what you recommended but unfortunately I can't try that because I am an XXXX  user and my current device does not incorporate a CD/DVD drive. He then declined my partial refund offer and made a case with XXXX on XX/XX/2021 Where XXXX then sided with his false claim that the disc was sent broken. They XXXX  then forced me to accept the return by providing XXXX with a return label with out my approval. Then on Monday XX/XX/2021 the disc arrived at my house and I filmed me oping the package up and putting the cd into my disc drive and using software to analyze the disc to see if XXXX was telling the truth or not The software was able to show 0 read errors and was able to dump the disc. THIS MEANS THAT XXXX XXXX LIED TO ME AND XXXX TO GET A REFUND WHEN MY POLICY IS NOT TO ACCEPT REFUNDS AND FALSELY CLAIMED THAT THE DISC WAS BROKEN WHEN IT WAS NOT!. PAYPAL AND XXXX THEN SIDED WITH XXXX AND STOLE {$190.00} FOR RETURN FRAUD. I THEN CONTACTED BOOTH XXXX AND PAYPAL AND TOLD THEM THAT I HAVE BEEN SCAMMED AND I WANT MY {$190.00} BACK THEY STILL SIDED WITH XXXX THE SCAMMER DESPITE ME HAVING EVIDENCE THAT THEY NEVER ASKED FOR AND GOT. IN FACT THEY LIED TO ME AND SAID I WOULD GET AN EMAIL TO PROVIDE THE EVIDENCE TO PROVE THAT THIS IS RETURN FRAUD. I THEN GOT AN EMAIL FROM XXXX DATED XX/XX/2021 SAYING THAT I LOST THE CASE AND XXXX WILL GET THE STOLEN MONEY AND THAT MY APPEAL WAS REJECTED DESPITE ME NOT BEING ABLE TO GIVE XXXX OR PAYPAL EVIDENCE. THIS CASE WAS REPORTED TO THE FBI THE CONNECTICUT ATTORNEY GENERAL AND THE FEDERAL TRADE COMMISSION FOR FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: OneMain Finance Corporation
State: MS

Complaint narrative:
I took out a Personal loan installment loan with a fixed interest rate from One Main Financial. I borrowed an amount that allowed me to pay it off with monthly payments over a scheduled period of time. I paid the money off early to avoid added interest. I was informed that there would be no penalty for paying the account off early. 

My problems and why I feel I am being penalized for paying my account off early. On XX/XX/2021 i received notification via XXXX XXXX and XXXX  app that I had a closed account. When I checked the notification it had One Main Financial as the account that was closed. It also showed where this action dropped my credit lower or made my credit score go down. This is not right. it should have been reported as a Paid loan account. It does not even say Paid and closed. It just says closed. I called the local One Main Branch Office and reported this and they claim they can not do anything about my credit score going down. I was never late on a payment and I paid the account off before the scheduled date. I should get points added to my credit not taken away. I am requesting that this practice be looked into. I feel that I am being discriminated against or retaliated against because I paid this account off early. I should not get a reduced score on my credit report for paying every month on time and paying off an account early.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Due to a divorce and XXXX treatments in eary XXXX, i was unable to keep up with a commitment to pay Comenity Capital Bank XXXX XXXX  XXXX XXXX  ) for tutoring services provided to my daughter. In appx XX/XX/XXXX, this debt was then sold to another company XXXX XXXX XXXX, XXXX  In turn, XXXX XXXX XXXX hired attorney firm XXXX XXXX to collect on the debt. In XX/XX/XXXX, I was able to pay off the balance directly to XXXX XXXX in two payments of {$460.00}. In XXXX and XXXX of XXXX, I spoke with XXXX XXXX  and XXXX XXXX regarding how my account was still being furnished as an unpaid charged off in an active collections status. They both indicated i would need to speak with Comenity Capital Bank XXXX XXXX XXXX XXXX ) regarding the credit furnishing since they were the actual company showing up on my credit report. I spoke with Comenity Capital on appx XX/XX/XXXX in which i was informed since i previously disputed the account, they could not update the credit furnishings. i spoke to them again on XX/XX/XXXX and was then told they could not update the account status because they sold the debt. i advised them per the Fair Credit Reporting Act that they had to furnish complete and accurate information and what was being furnished was not correct. There seems to be a process gap in between the original creditor and the buying company on communication as to when a debit is settled in full/less than half. it is u fair to me as a consumer to have my credit report reflecting i have a unpaid debt with Comenity Capital when i do not! please have them review my credit furnishings and update to reflect the account was settled instead of in collections/unpaid charge off. i am not sure if the coding sent to credit bureaus is incorrect or if the remarks/account status require updating, regardless, my credit report should not show as an unpaid charge off. i understand that once the debt was sold the balance was decreased to XXXX. what i do not understand and think is unfair is to not have my credit profile correctly reflecting the account was paid. i have previously disputed this but i do not think the company is truly investigating my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
i have contacted XXXX and asked for validation of debt numerous times as well as challenged the reporting of this account ... each time it has come back verified ... how can this be verified if the reporting is all over the place ... btw XXXX  deleted it because the could not verify this account and its time for the others to follow suit .... 

Transunion is reporting {$1200.00} high credit limit XXXX is reporting {$0.00} high credit limit Transunion is reporting {$0.00} credit limit XXXX  is reporting {$950.00} credit limit Transunion is reporting XX/XX/XXXX as the date of last active XXXX  is reporting XX/XX/XXXX as the date of last active -- -this account has been re aged look at the 2 year history ... none match and XXXX is reporting 150 day late XX/XX/XXXX and then 120 days late XX/XX/XXXX ... how is that even possible ... .these are all clear violations..i have attached a copy of the 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 2021-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: OH

Complaint narrative:
Was in an out-of-state major car accident and injured by a drunk driver. Spent a few hours in the emergency room in XXXX XXXX XXXX in XXXX NC before being discharged, and my husband was XXXX  XXXX  to XXXX  XXXX XXXX. Based on limited insurance proceeds of the guy who hit us and pursuant to NC law, Gen Stat. 44-49/50 the lawyers could only disperse {$7700.00} to the hospital for my few hours of treatment. My lawyers also advised the hospital pursuant to NC Gen Stat 131E-91 due to failure to present bills to my medical provider ; XXXX XXXX, the balance and lien was waved and any reporting to credit bureaus would be contrary to North Carolina law and not enforceable. XXXX XXXX has turned this over to a couple collection agencies which no one has contacted me in years. It is only on my XXXX report and It is being disputed, I've called newest ; First Point Coll Resource, agency and nothing, I've tried the hospital with no response, and I am just not getting any resolution from anyone. This is now affecting my purchase of a house and needs to be resolved quick so I can complete my purchase. PLEASAE HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: TX

Complaint narrative:
An apartment community called XXXX at XXXX XXXX in XXXX Texas sent me to collections without providing me a bill or notification of debt. I received no communication at all even though they have my email and phone number and I had left a forwarding address. The first that I heard of the debt was from a collections call. They are also attempting to charge me a XXXX dollar fee for not providing 60 days notice when I have written email proof that I most certainly did provide the notice and have an email of them confirming that 60 day notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: KEYCORP
State: WA

Complaint narrative:
So it started on XX/XX/XXXX I was unaware at the time but I was being scammed by what I thought was a loan agency cause I had been looking to take a loan out to utilize my credit and build my score so I can get a XXXX XXXX loan. But around noon something they requested raised res flags so I followed through with the request and immediately Withdrew my funds from my account and called key bank. I said I had reason to believe that my account was compromised I wanted to know how to go about safeguarding and or preventing any breach or further breach. They assured me that everything was fine after 30 minutes of arguing with them because they literally refused to help. Said they could see the ip address and transactions th a t everything was fine even though I'd seen large amounts of money being moved from one account to the other. She said it was me I had just probably made a mistake or forgot. XXXX key bank has refused to look up that recorded call, in sure they know that had they taken me seriously and done their job when I came to them in the beginning none of this would have hsppened ) soi told them if they wouldn't help I'd just go to a branch and figure it out. So it was after closing hours but the time I was anywhere near a branch so the next morning 1st thing I went in and my accounts were all frozen because less than 2 hours after I called for help and was turned away {$6000.00} was mobile deposited into my account one with my name misspelled ( yet still went through ) and another which were both terrible replica social security and stimulus checks. So I reported everything immediately to the ftc and the police and saved pictures of correspondence with the scammers and pictures. And a month later I'm told I can't bank with them anymore, and they shut my businesses account down, my personal, my merchant services and they are holding me responsible for {$1700.00} of the {$6000.00} threatening to report it to ruin my credit. Didn't take my longstanding business relationship into consideration just kicked me out and treated me terribly and were very rude about it. I went to another branch to discuss it and figure out what I'm supposed to do and they said " what are we supposed to do about it? ". I'm going to pay them the XXXX cause I don't want my credit affected cause iv worked so hard to get my score up but I'm going to fight to get paid back every XXXX and then some.

Company response to consumer: Closed with explanation