vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: VT

Complaint narrative:
I received a phone call around XXXX from this company stating that I owed them money for a bill that was not mine. I told them I had sold my house and the debt was not mine and I wanted the bill validated and not to be contacted until then. I did not hear from then. Fast forward to XX/XX/XXXX. I received a notice that there was a collection on my credit report. It was from them. I called them up and spoke to a XXXX XXXX? I told him the debt was not mine and if they had validated it yet. He told me it was up to me to prove it was not my debt. When I asked if they were legally obligated to validate the debt, he told me no. He listed XXXX address that were not mine and got very upset when I asked to speak to a manager and refused to transfer me. They clearly broke the law by not validating the debt after I asked them to and than again when he lied to me stating it was on me and not them to validate it.

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 2021-12-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have items on my credit report that are showing negative I have sent numerous complaints to the credit bureaus for clarification and I have not received any responses wether by phone mail anything I have also ask for clarification from the alleged creditors at which time I was told if I dispute these items I would be sued which is against the fdcpa false or misleading information I learned this after I did some research

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 2021-12-17 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: IL

Complaint narrative:
I have items on my credit report that are showing negative I have sent numerous complaints to the credit bureaus for clarification and I have not received any responses wether by phone mail anything I have also ask for clarification from the alleged creditors at which time I was told if I dispute these items I would be sued which is against the fdcpa false or misleading information I learned this after I did some research

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I filed paperwork for an investigation into a company called LVNV Funding over a year ago and never heard back because I did not file a complaint with the police. It shows up on my credit report still. I do not know anything about this company or I have not taken any loans out through this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: PA

Complaint narrative:
I have been having issues with security checks. It keeps saying my number isnt supported for weeks now. When I called support today, the lady 's agent said she had removed the security check of my account and tried again in 48 hours, but I am still having issues. Would you please fix my issues

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: NY

Complaint narrative:
PayPal close my account for no reason and will not help me with getting it back up and going and I'm not sure this is a mistake as I assume it has, I have not been able to get help please help me to restore my account because I know your good ability for this kind of help, so this is my PayPal 's email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I was contacted about owing money through a company called IC Systems Inc years ago and it was never resolved. I do not have any affiliation with this company or did not ever open an account t with this company. Someone stole my information and opened an account under my name. Identify Theft and Fraud.

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 2021-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
This agency keeps calling us after numerous attempts to ask them to stop calling. We've given them each of the phone numbers routed to our phone lines. We receive at least 25 calls each day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-17 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: MD

Complaint narrative:
I recently reviewed my credit report and have noticed some accounts that i am not responsible for. I disputed with the companys responsible but did not get the results expected. See attachments

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 2021-12-17 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: MD

Complaint narrative:
I recently reviewed my credit report and have noticed some accounts that i am not responsible for. I disputed with the companys responsible but did not get the results expected. See attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and XXXX entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries This is not misrepresentation I am victim of Identity theft this not a mistake sent in error. I did not consent to authorize nor benefit from any of the following inquires or accounts. I am alleging that a person or company- without my authorization or consent - used my personal identifying information to apply for good, services, or money, and, was successful in creating some accounts. Please block and remove immediately the following inquires from each Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I received a notice from XXXX XXXX that my Wellsfargo Auto Loan is showing 30 days past due. I contacted Wellsfargo XX/XX/XXXX to inform them of the error. The representative reviewed my account and concluded it was indeed an error and would forward my account to the credit reporting department to have them correct the error. She stated it would take five days to correct the issue. I waited the 5 days to see if the information being reported to my credit report would be updated within the 5 days as stated and it didn't. I called the representative back XX/XX/XXXX and was told the correction would take 30 days which is not acceptable. As of today XX/XX/2021 I'm showing to be 30 days past due for XX/XX/2021 and they haven't reported to the bureaus any other info such as the correct loan balance. Several items are being reported incorrect. This has caused me to pay additional fees.

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 2021-12-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Nothing but a being resolved this bank is being very incompetent they are half investigating my claims this isnt ok I should have been protected but I want now Im in the hole for someone elses transactions under my account something needs to be done because eventually Im going to sue this bank for ignoring and letting thiefs steal valued customers money this isnt right none is listening taxes are coming in months later then they still half investigated my claims I didnt make t hun de transactions and I want my money everytime they deny me every interaction I have with then is being documented I have 2 years of negligence from this bank I XXXX is next week what is XXXX by with your people devils fix my account this isnt going away u we will continue this back and forth until its resolved

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 2021-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: CA

Complaint narrative:
Received a prepaid debit card from a company called NETSPEND that I never asked for. A letter along with it telling me to activate immediately. This is a legitimate debit card that I solicited. Their customer service admitted they send these out as a way to solicit business

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 2021-12-17 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: HYUNDAI CAPITAL AMERICA
State: DE

Complaint narrative:
On XX/XX/2021, there was a deferred agreement with Kia finance. ALL papers were signed and returned. Started receiving letters, that my account payments are passed due, at this time received my 1st letter, Tried calling numerous times, but keep getting the run around, and it has been reported on my credit report as being in default or late on payment.i reached out to them again, on XX/XX/XXXX 3way call, I co-signed for my daughter, ( same thing ) nothing solved.Received another letter XX/XX/2021, called on XX/XX/2021 resigned letter again, spoke with a guy named XXXX, was assured the deferment was completed and he received it. Well received another letter on XXXX XXXX 2021 again same thing no head way,. Just received another letter on XX/XX/2021 of this amount is past due.

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 2021-12-17 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
My score drop a XXXX points say that I applied for credit cards.I did no such thing I only applied for XXXX  XXXX and XXXX XXXXXXXX credit cards.my purse was stolen from out of XXXX XX/XX/2021 every since then I been seeing inquiries on my credit report I been trying to dispute them but not working.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Alpha Recovery Corp
State: NC

Complaint narrative:
Due to Covid I was laid off and fell behind on a personal loan with XXXX in the amount of $ XXXX. I tried numerous times to work out an agreement with XXXX due to my unemployment circumstances. However, their method of providing assistance was granting a 3mth forbearance which included my monthly payments being higher once the forbearance ended. Needless to say I declined the assistance as it predatory and it would only put me further in the hole with them. My load ended up being delinquent and they turned it over to Alpha Recovery Corp . I worked out a settlement with XXXX  for $ XXXX with the agreement of a letter sent from XXXX stating the account has been settled/satisfied for the agreed amount and closed with XXXX balance. I had to follow-up on three separate occasions for the letter and once I received the letter it stated the opposite with me still owing a balance of {$5500.00} and not reflecting account as closed and updated to the all three credit bureaus. I call XXXX and spoke with XXXX XXXXCollection Mgr. informing her the letter in question was not correct as it has incorrect information from what was agreed upon at time of settlement. Ms. XXXX stated the letter was drafted by their legal team and was correct. I'm filing a complaint with the AG 's office for unfair and deceptive practices by XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: CA

Complaint narrative:
On XX/XX/2021, at XXXX pm, I purchased a {$50.00} Netspend card # XXXX, from my local XXXX. I paid {$52.00}, the receipt indicates the following : XXXX # XXXX TRN # XXXX XXXX # XXXX STR # XXXX I made multiple attempts to activate the card, three times by using their phone number, XXXX, using their website, and attempting to email them. The phone number and website wouldnt let me do anything at all. The emails were an automated response full of indecipherable code. 

I just want my money back. Im recently widowed and spent half of my remaining cash on this. Its extremely frustrating.

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 2021-12-17 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

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 2021-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
iam coming off forbearance and I've asked my mortgage company for a modification. phh mortgage sent me three notices acknowledging the request however when I talk to my loan counselor they say they havent gotten my info and they show in their records I refused the modification my interest is 9 % and could be easily modified but this predatory lending mortgage company is still practices their predatory loan service the feds need to put a stop to this. This loan is under my mothers name XXXX XXXX XXXX which she was their victim of predatory loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: American Credit Acceptance, LLC
State: FL

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: FIRST PORTFOLIO SERVICING INC
State: FL

Complaint narrative:
My score drop a XXXX points say that I applied for credit cards.I did no such thing I only applied for XXXX XXXX and XXXX  XXXX credit cards.my purse was stolen from out of XXXX XX/XX/2021 every since then I been seeing inquiries on my credit report I been trying to dispute them but not working.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: OneMain Finance Corporation
State: FL

Complaint narrative:
My score drop a XXXX points say that I applied for credit cards.I did no such thing I only applied for XXXX XXXX and XXXX  XXXX credit cards.my purse was stolen from out of XXXX XX/XX/2021 every since then I been seeing inquiries on my credit report I been trying to dispute them but not working.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: NY

Complaint narrative:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Prosper Marketplace, Inc.
State: NC

Complaint narrative:
Due to Covid I was laid off and fell behind on a personal loan with Prosper in the amount of $ XXXX. I tried numerous times to work out an agreement with Prosper due to my unemployment circumstances. However, their method of providing assistance was granting a 3mth forbearance which included my monthly payments being higher once the forbearance ended. Needless to say I declined the assistance as it predatory and it would only put me further in the hole with them. My load ended up being delinquent and they turned it over to XXXX XXXX XXXX. I worked out a settlement with XXXX for $ XXXX with the agreement of a letter sent from XXXX stating the account has been settled/satisfied for the agreed amount and closed with zero balance. I had to follow-up on three separate occasions for the letter and once I received the letter it stated the opposite with me still owing a balance of {$5500.00} and not reflecting account as closed and updated to the all three credit bureaus. I call XXXX  and spoke with XXXX XXXX XXXX. informing her the letter in question was not correct as it has incorrect information from what was agreed upon at time of settlement. XXXX XXXX stated the letter was drafted by their legal team and was correct. I'm filing a complaint with the AG 's office for unfair and deceptive practices by XXXX Collection Agency.

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 2021-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
The payment was made in full as agreed, and the service was cancelled after agreement was fulfilled. Called the debt collector company, super unprofessional, on top of that making threats and harassment phone calls. 

As for the proof of debt, failed to provide.

Company response to consumer: Closed with explanation