vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-15 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: MI

Complaint narrative:
I am filling this complaint because EQUIFAX has ignored my request to provide me the documents that their company has on file and was used to verify the account I am disputing. I have contact their offices on the following dates listed below : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Under Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified. 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 you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account information. I demand to see Verifiable Proof ( an original Consumer Contract and/or orgianl court docuemtns with my Signature on it ) you have on file. Your failure to positively verify this public record material has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

As a side note, this Chapter XXXX Bankruptcy was completed and paid back in XX/XX/XXXX the year is currently XX/XX/XXXX - that is 8 years on my credit report. That is also Thousands ( {$1000.00} ) and Thousands of dollars more I have paid for items I buy, loans I have missed out on, housing I have been declined for etc. I feel that having it on my credit report for 8 years is punishment enough. There is no law that states these types of things " by law '' have to stay on ones credit report for 7 or longer years. 

I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. 

I want EQUIFAX to stop reporting immediately this account on any and all of my credit reports issued to anybody whom inquires on my behalf. 

Please resolve this matter as soon as possible and thanks in advance for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SCA Collections, Inc.
State: OR

Complaint narrative:
SCA Collections has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-05-15 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: LA

Complaint narrative:
I have been fighting ID THEFT for sometime now and have several fraud accounts reporting on my credit report. I have sent supporting documents showing this fraud. I have sent notarized documents as well as FTC complaint forms, the following accounts and info are fraud!! 
1.XXXX  XXXXXXXX  XXXX XXXX XXXX Account Number XXXX Date OpenedXXXX 2.XXXX  XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX Date Opened XX/XX/XXXX 3.XXXX  XXXX XXXX  Account NumberXXXX Date  OpenedXX/XX/XXXX 4.XXXX XXXX XXXX XXXX XXXX Account NumberXXXX Date OpenedXX/XX/XXXX 5XXXXInquired on XX/XX/XXXX 6.XXXX XXXXInquired on XX/XX/XXXX 7.XXXX XXXXInquired on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 2018-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
This debt collector Paramount Recovery has illegally obtained a medical debt that was originally started in XX/XX/XXXX from an Emergency Room visit. This debt is now over 10 years old and is being represented as a new collection as of XX/XX/XXXX. This debt is past the statue of limitations for the state of Florida. I have never received any notifications by phone email or postal mail for this account. This company has now placed this account on all my Credit Reports and as result has seriously affected my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 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: MI

Complaint narrative:
I am filling this complaint because Experian has ignored my request to provide me the documents that their company has on file and was used to verify the account I am disputing. I have contact their offices on the following dates listed below : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Under Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified. 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 you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account information. I demand to see Verifiable Proof ( an original Consumer Contract and/or orgianl court docuemtns with my Signature on it ) you have on file. Your failure to positively verify this public record material has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

As a side note, this Chapter XXXX Bankruptcy was completed and paid back in XX/XX/XXXX the year is currently XX/XX/XXXX - that is 8 years on my credit report. That is also Thousands ( {$1000.00} ) and Thousands of dollars more I have paid for items I buy, loans I have missed out on, housing I have been declined for etc. I feel that having it on my credit report for 8 years is punishment enough. There is no law that states these types of things " by law '' have to stay on ones credit report for 7 or longer years. 

I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. 

I want Experian to stop reporting immediately this account on any and all of my credit reports issued to anybody whom inquires on my behalf. 

Please resolve this matter as soon as possible and thanks in advance for your time and consideration.

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 2018-05-15 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: AL

Complaint narrative:
My credit report is stating paid in full for less. I have a letter dated XX/XX/15 which says the entire debt was forgiven. This company has continuously reporting incorrect information. I want all trade lines deleted because they are in violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 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: MD

Complaint narrative:
I received a report that changes were made to my report with actions taken by XXXX modified XX/XX/XXXX with a high credit of {$1500.00} date closed XX/XX/XXXX credit limit {$250.00} which is incorrect credit limit was {$2500.00} Additional information was provided by Equifax stating consumer disputes reinvestigation in Process account paid for less than full balance. I received an online notification from Equifax stating dispute was completed and view now ; when I try viewing Equifax sends error message stating report can not be viewed contact them by mail every month since XX/XX/XXXX. 

XXXX made another update after this XX/XX/XXXX changing account number from beginning of the account to ending numbers to account as an update after dispute reported by Equifax. Every change is reported to 3rd party credit monitoring service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 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: Riverwalk Financial Corporation
State: TX

Complaint narrative:
Some company called XXXX XXXX XXXX placed a {$140.00} delinquent account on my credit report XXXX XX/XX/2018. 
I owe no debt nor have I ever heard of this company. 
There has never been a phone or written communication between us. 
I looked them up and found a phone number which does not answer. 
There are numerous complaints posted about this company doing the same exact thing to many people. 
My credit score has dropped. 
Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Property : XXXX XXXX XXXX  XXXX XXXX, CA Buyers : XXXX XXXX, XXXX XXXX and XXXX XXXX Single family home ( rental ) Sold and held in aXX/XX/1031 exchange for next property Lender : Wells Fargo Mortgage, XXXX, CA failed to close on time ( 30 days ) because they kept losing our documents ( 3-4 times ) even though the documents were either hand carried in to their office or put in Wells Fargo overnight bag. I have over 200 pages of docs and email stating we must close or face a $ XXXX  IRS bill. Our loan was elevated up to the branch manager who did nothing. Then it was elevated up again to the area manager. He could do anything except apologize for the lost documents. This was approximately a 10 % loan 1-4 units. We were putting $ XXXX + down payment. We were within days or either closing with all cash or pay the IRS. We closed with cash. Even after I email them and said we are closing all cash, no denial of the loan was recorded for any reason, nor was any form sent out to us. I requested all our documents back to re submit to a new lender. The underwriter sent about 10 documents. I emailed back and said Im filing action with the government for your actions. She then sent about 90 %. 

I have all emails ( maybe 50 ) from all the Wells Fargo employees for our review. 

Thank you, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
Ally Financial has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-05-15 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: MI

Complaint narrative:
case # XXXX It really is very simple I followed the merchants return policy I returned everything they received everything I provided the tracking information the package weighed the proper amount they signed for the package they never reported any problems with the package I'm not going to go away until you explain to me in detail how you've come to this conclusion what other proof could I have possibly provided that would have supported my case? If I fail to follow any of their return policies I would like them to tell me exactly which one it is because I believed I followed all of their return policies I even used their shipping label they are liable for the package

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
A transaction for {$2300.00} was deducted by XXXX XXXX XXXX on XX/XX/18 for services that were not delivered. The company, XXXX XXXX, refunded {$650.00} of those charges and still owe the remaining balance deposit. After failed request ( s ) to reimburse the remain balance of {$1600.00} a complaint was filed with Huntington Bank to dispute the charges and obtain a refund as afforded by XXXX XXXX  consumer right to obtain a refund for " services not delivered ''. However Huntington denied the claimed based on " buyers remorse '' which was not the nature of the original complaint. Upon speaking with a representative at Huntington Bank, they resubmitted the dispute based on the actual stated reason " services not delivered '' and within 24 hours again denied the claim based on " buyers remorse. '' Huntington Bank is ignoring the reason for the complaint continually and inaccurately reporting the disputed reason as " buyers remorse. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
This dispute is in reference to a XXXX account, that I had know idea had a lingering balance. I just received a letter from XXXX XXXX XXXX. This debt originated in XX/XX/XXXX, per the correspondence that was received. Apparently, there were fees charged unbeknownst to me when I transitioned to a different company. It has been over 6 years, beyond the allowable timeframe to collect on this account. For the last 6 years, I never received any correspondence regarding this account. I just received a statement this month, XX/XX/XXXX, over 6 years later demanding payment of {$890.00}. This item also never showed up on my credit report, and still has not, so I had no way of knowing of this obligation up until now. Although, they are not reporting, I want to be proactive before they do and it results in yet another ding to my credit. I have attached a statement for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HW Holding, Inc
State: NV

Complaint narrative:
I have recived harassing phone calls about debt to an apartment complex that I have paper work for stating I do not owe an money. They call my phone all day harassing me and even at work threatening to take me to jail. I have sent in proof that I do not owe this money and they still call and refuse to take it off my credit. Hunter and warfield is the creditor

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 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: LA

Complaint narrative:
I have been fighting ID THEFT for sometime now and have several fraud accounts reporting on my credit report. I have sent supporting documents showing this fraud. I have sent notarized documents as well as FTC complaint forms, the following accounts and info are fraud!! 
1.XXXX XXXX XXXX XXXX XXXX Account Number XXXX Date OpenedXX/XX/XXXX 2.XXXX XXXX XXXX XXXX XXXX Account NumberXXXX Date Opened XX/XX/XXXX 3.XX/XX/XXXX Account NumberXXXX Date OpenedXX/XX/XXXX 4.XXXX XXXX XXXX XXXX XXXX Account NumberXXXX Date OpenedXX/XX/XXXX 5.XXXXInquired on XX/XX/XXXX 6.XXXX XXXXInquired on XX/XX/XXXX 7.XX/XX/XXXXInquired on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 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: Service Finance Holdings, LLC
State: MI

Complaint narrative:
Institution Information Service Fin XXXX XXXX, FL XXXX ( XXXX ) XXXX I applied for Fiance with a window company and they selected this company as my lender. This lender ran 2 hard inquiries on my credit report, which in turn, lowered my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 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: DISCOVER BANK
State: MI

Complaint narrative:
About a month ago I lost my Discover card and unfortunately somebody else found it I managed to charge about {$150.00} before the card was deactivated when I noticed the card was missing the first thing I tried to do was freeze the account but the website wouldn't let me do that for some reason so I called the woman on the phone said no worries she was going to cancel the card and issue a new one and start a fraud investigation I answered a bunch of questions a week or so later I received phone call I didn't get to the phone in time and they left a message so I called back and they asked a bunch of the same questions but I answered them the gentleman I spoke with said that it was a relatively small amount and that it should be pretty straight-forward he didn't see any thing else that the investigator would need I said Thank you and I hung up couple weeks after that the whole thing happened again I ended up receiving a voicemail I called back and I was asked the exact same questions over again I happily answered them but I did explain to the guy that I'd already answered all these questions he apologized and wasn't sure why the investigator once again I was totally looks like everything 's in order and I hung up when it happened the third time to say the least I wasn't as patient I couldn't understand why you repeatedly asked me the exact same questions and I gave you the exact same answers I don't know if you suspected that they were going to change or what was going on at this point I felt like you were kind of giving me the runaround I filed a complaint he eventually responded said that you're working on it I thought to myself well maybe they'll figure this out and we can move on I called one more additional time and I was told that everything look good and they didn't need any further information so I assume that everything has been resolved then today in the mail I get a letter saying that it has been determined that no fraud occurred on your account if I didn't have the card in my possession and it was used for somebody else what do you call that if not fraud? And it goes on to tell me that I'm going to be responsible for the balance I'm pretty sure there are laws in place to protect me from that I don't have to pay because some thief stole my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I did not sign up and did not authorize the charge and have not been able to get them to cancel or refund the charges. I have been charged {$39.00} for the past 5 months Total scam - I did not authorize this.

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 2018-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
XX/XX/XXXX I received payment for {$590.00} for a pair of shoes I shipped on XXXX. 

XX/XX/XXXX My PayPal account was debited {$590.00} because the buyer reported her XXXX account was hacked and disputed the transaction. 

I don't find it fair that I shipped my item to the address ( I have the tracking number as well ) that was provided to me via the XXXX buyer and now the transaction has been disputed and I'm not only out my {$600.00} shoes, I'm also being charge backed by paypal for {$600.00} AND there was a charge back fee. I have tried resolving this issue over the phone numerous times with zero help. 

I also contacted XXXX who has Seller Protection as well. XXXX told me I would only be covered by their Seller Protection if the buyer opened a claim with them. I have no control over the buyer opening a claim with XXXX. I did reach out to the buyer and asked if she would open a claim with XXXX and received no response. 
On top of that XXXX charged me {$61.00} for Sellerss Fees for this transaction. 

As a business owner myself, I find the business practices taking place by these two companies unjust and immoral.

Company response to consumer: Closed with explanation