vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-08 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: FL

Complaint narrative:
Equifax, XXXX  and XXXX  is currently reporting a charge off for XXXX. I have disputed this several times asking for verification. They just send me a letter stating its verified. I have asked for Method of verification and received nothing but the same letters over and over again. Since they have not provided proper verification, and can not seem to provide me with names, addresses and details of the method of verification then this should be removed from my report immediately. I have given them a significant amount of time to provide such information. I have sent more than 4 letters in regards to this account and have received nothing but a standard " its verified '' letter in return. By law, I am entitled to the details of method of verification, therefore they are violating my rights. 
They are also reporting this has a balance, is a closed but revolving account and every month reporting late payments which is also incorrect reporting. Again, due to this additional information it should be permanently removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
knight adjustment bureau has been dishonest in court about my case i have requested proof of fees in my auto contract, and he has not provided none such. I got my case dismissed by Judge XXXX from 3rd district court in XXXX, Utah. XXXX XXXX XXXX from knight adjustment Bureau has requested for the case to be re opened without sending me a copy of the court date. I want to file a complaint that XXXX XXXX. XXXX has made false claims and misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have one ( 1 ) Bank of America credit card ending in XXXX and one ( 1 ) Bank of America debit card ending in XXXX. 

I do not know when monthly payment is due BECAUSE THE BANK OF AMERICA NO LONGER PROVIDES ME WITH PAPER BILLS! 

I have repeatedly complained to Mr. XXXX of the XXXX, New Jersey branch of the Bank of America. He promised to make sure I have paper bills. That was three ( 3 ) weeks ago. 

I still receive NO paper bills and so am at a loss what I owe on the two said cards! 

I NEVER AGREED TO PAPERLESS BILLING!

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 2020-03-08 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: FL

Complaint narrative:
IN RESPONSE TO EQUIFAX WHERE THEY ON XX/XX/XXXX SENT TO XXXX XXXX XXXX, UNDER THEIR CONFIRMATION # XXXX, WHERE CHANGES MADE TO MY CREDIT REPORT AND WHAT ACTIONS WERE TAKEN. 

EQUIFAX STATED WHERE I CAN PROVIDE ADDITIONAL INFORMATION ABOUT MY DISPUTE RESULTS WITH ADDITIONAL INFORMATION AND I AM COMPLYING. 

I AM COMPLYING AS REQUESTED BY EQUIFAX BY PROVIDING A COPY OF MY LETTER TO THE Office of the Comptroller of the Currency Customer Assistance Group XXXX XXXX XXXX, XXXX  XXXX XXXX, TX XXXX Re : Case # XXXX : XXXX XXXX  XXXX/XXXX  XXXX. 

Where XXXX XXXX  XXXX/XXXX XXXX violated the following Federal Laws : 15 U.S.C. 1642, 15 U.S.C. 1637 ( a ), 15 U.S.C. 1637 ( b ) The credit cards issued under accounts # XXXX opened XX/XX/XXXX and XXXX opened in XX/XX/XXXX was an illegal act by XXXX XXXX   XXXX/XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I received a letter from Credit Collection Services about a debt that I do not owe. I sent them a letter disputing this alleged debt, so far they have not responded back.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I open up this PayPal account as a friend who was owning me money ask me to, after he paid me, he them go an report the transaction but the case was role in my favor, so before that, my cousin was to do some paper work for me, as am moving from XXXX to XXXX, so I let him link his bank account to the PayPal account that my friend paid me on, when I tried to transfer the funds, PayPal wont let me, we have been going on and on with this, they ask me for documents and I provided and first the said 48 hours and another 48 hours and now, I receive an email saying my account has been permanently limited. Let them just let me get my money out. That all

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: TN

Complaint narrative:
I filed for my loans to be forgiven due to XXXX being closed due to fraud in 2015. I still havent heard anything, Ive seen people get theirs forgiven, I am trying to finish schooling and due to this issue Im about to be maxed out and can not finish my XXXX program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I paid for Experian Premium credit monitoring and used it for quite some time. I canceled the membership in XXXX of 2019. They have continued to bill by credit card every month after cancellation in the amount of XXXX per month. I called the 800 number on the site and can not reach a person. I sent certified mail twice and nothing has been done to refund the charges they charged after I canceled and they have not stopped billing my credit card. My membership number was/is XXXX. I would like the five months of billing refunded.

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 2020-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: IL

Complaint narrative:
The law firm is trying to collect after the statute of limitations. The paper work sent is not complete or signed by the bank. I have never heard of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have tried unsuccessfully to unlock my credit report for over 1 week now. 
The credit reporting bureau I am complaining about is Equifax. 
I froze my credit report 1 year ago, at which time I was issued a PIN. 

I needed to apply for a medical loan, and can not get my report unlocked because Equifax stopped using PIN 's and instead requires a myEquifax account, which I did not have. Upon trying to create an account, I was directed multiple times to contact their Customer Care. The phone number is anything but customer care. 
It's a voice response system that appears designed to avoid letting you talk to a human being. 

After many attempts, I was given a fax number to send a form to making my request. 
48 Hours after submitting my form and drivers license/social security card information to their black hole, not only do I still have a locked report -- but I can't even sign in online. 

What a pain!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: WA

Complaint narrative:
I am filing a complaint against Loan Depot. The team we worked with came out of the XXXX XXXX XXXX , XXXX XXXX, XXXX, TX XXXX office. 

In short, we recently performed a Refinance with Loan Depot. I work as a Branch Operations Manager in mortgage, so I am familiar with the TRID requirements. Loan Depot gave us a {$2500.00} Lender Credit that they attempted to take back.I have emails and multiple evidence of them lying in order to try to extort a {$2500.00} check, outside of closing. After we confronted them about their misconduct they have still not stopped and the branch continues to try to extort this amount from us. If we were not more experiecne in the field we might not have known. They used HUD and the FHA multiple times as an " excuse '' to attempt to lie and take the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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:
I have been disputing these two accounts since XX/XX/XXXX. I have previously paid BOTH of these, they were not balances I owed, however, they were under my name and I was ultimately the responsible party in paying them. In which I did. I have asked multiple times for information from XXXX, XXXX, Equifax as well as XXXX, in which XXXX merely sent a statement for the {$130.00} account, no dates, no address, no information other than stating they do not have to provide that information. I sent that response to all three bureaus, and they again just verified the accounts. They updated the accounts as new late payments, new collections and new charge offs, absolutely destroying my credit score from XXXX to upper 400s. 
In order to salvage my credit, I paid the balances, again. This time I sent a letter for each check to XXXX, an agreement letter to pay for the immediate deletion of each account. Each check also has the agreement in the note section stating to only deposit upon the immediate deletion of the account, account number included for the relative check. Both checks were deposited before XX/XX/XXXX, and both checks cleared my bank on XX/XX/XXXX ; however neither of the accounts have been deleted from my reports. I have sent XXXX, XXXX and Equifax a statement regarding the pay for deletion, and they verified the accounts to still reporting accurately. I attempted to call XXXX 's billing department, when googling the billing department phone number, attached a link you must agree to to get the appropriate phone number. Now I can see how the consumers, who were once thought of as customers, have no ground to stand on and will be bullied into paying any debt XXXX claims just to keep them from a personal attack on your credit ; even if it means paying two balances, twice. I just want these accounts removed from my credit report as was agreed when XXXX deposited my checks. For a multibillion dollar company, one would think XXXX would at least pretend to concern themselves with the consumers, of whoms backs they built their empire on?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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 been disputing these two accounts since XX/XX/XXXX. I have previously paid BOTH of these, they were not balances I owed, however, they were under my name and I was ultimately the responsible party in paying them. In which I did. I have asked multiple times for information from XXXX, Experian, XXXX as well as XXXX, in which XXXX merely sent a statement for the {$130.00} account, no dates, no address, no information other than stating they do not have to provide that information. I sent that response to all three bureaus, and they again just verified the accounts. They updated the accounts as new late payments, new collections and new charge offs, absolutely destroying my credit score from XXXX to upper 400s. 
In order to salvage my credit, I paid the balances, again. This time I sent a letter for each check to XXXX, an agreement letter to pay for the immediate deletion of each account. Each check also has the agreement in the note section stating to only deposit upon the immediate deletion of the account, account number included for the relative check. Both checks were deposited before XX/XX/XXXX, and both checks cleared my bank on XX/XX/XXXX ; however neither of the accounts have been deleted from my reports. I have sent XXXX, Experian and XXXX  a statement regarding the pay for deletion, and they verified the accounts to still reporting accurately. I attempted to call XXXX 's billing department, when googling the billing department phone number, attached a link you must agree to to get the appropriate phone number. Now I can see how the consumers, who were once thought of as customers, have no ground to stand on and will be bullied into paying any debt XXXX claims just to keep them from a personal attack on your credit ; even if it means paying two balances, twice. I just want these accounts removed from my credit report as was agreed when XXXX deposited my checks. For a multibillion dollar company, one would think XXXX would at least pretend to concern themselves with the consumers, of whoms backs they built their empire on?

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 2020-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: VA

Complaint narrative:
I have been a customer of Discover for over 20 years with two credit cards, including an outstanding credit history. Recently I discovered that one of my accounts was closed ( according to them due to inactivity ). My issue with this is I do not feel I as properly notified, I only found out when I received a termination of service letter from company that provided additional credit protection on this particular card. When I called Discover about this I was only told that one letter was mailed out to me in XX/XX/XXXX ( which I did not receive ) supposedly stating that if I made a purchase before mid XX/XX/XXXX the account would remain opened and the only thing I could do was to reapply for a new card as once an account is closed it can not be reopened. I have a serious issue with this as I stated I had two credit cards with Discover and not once was an alert/message visually placed on the Discovers online home page of my account-it stills shows this closed card having an available balance on the main page. Not only did they close my card causing my credit score to drop but I had to apply for another card which would also cause my credit score to drop. On XX/XX/XXXX I spoke to four different individuals and was transferred to departments that was not even working that day, only to be told a repeated scripted response that once an account is closed it can not be reopened. I think that with my years of loyal service as I was often told even as recent as XX/XX/XXXX, that my account remaining open would not solely depend on one letter ( that I did not receive ) being mailed to my home. My phone number, email address, are all on file as additional means of ways to communicate with me. This act in my opinion has caused me consumer harm and was/is very unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/2019 my {$26.00} min payment due was supposed to be submitted from my bank institution BillPay system, however they had a problem in the system & notification came for me to check or resubmit directly to who it was directed. 
I went in & paid this thru the credit card payment system on XX/XX/2019 However, they claim that it was after the cut off time they have, but they accepted it on the due date & sent me a confirmation of it being received on XX/XX/2019 They then charged me a past due fee of {$26.00} & refuse to make an adjustment

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-09 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: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX  ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX* ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2020 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; B CHILD SUPP   XXXX B CHILDSUPPORT XXXX XXXX  XXXX XXXX B XXXX XXXX XXXX XXXX XXXX XXXX  XXXX B XXXX XXXX XXXX B US DEPT VETS  XXXX B US DEPT VETS  XXXX XXXX  XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL 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 2020-03-09 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: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX* ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2020 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; B CHILD SUPP   XXXX B CHILDSUPPORT XXXX XXXX XXXX XXXX B XXXX XXXX XXXX XXXX XXXX XXXX XXXX B XXXX XXXX XXXX B US DEPT VETS  XXXX B US DEPT VETS  XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL 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 2020-03-09 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: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX* ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2020 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; B CHILD SUPP   XXXX B CHILDSUPPORT XXXX XXXX  XXXX XXXX B XXXX XXXX XXXX XXXX XXXX XXXX  XXXX B XXXX XXXX XXXX B US DEPT VETS  XXXX B US DEPT VETS XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX*

Company response to consumer: Closed with explanation