vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-08 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID AND OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRAS. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXXostal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc.
State: FL

Complaint narrative:
I am the owner of a residential property ( condominium ) which was being leased to two tenants in XXXX. As required by the residential lease, on XX/XX/XXXX, a partial month 's rent payment of {$600.00} was paid to me by the tenants using Google Pay, a digital payment service. I accepted this payment and it was deposited into my physical bank account. 

Nearly five months later, on XX/XX/XXXX, one of the tenants fraudulently disputed this transaction with their bank. This bank, without notifying me, investigating the claim, or receiving my consent, accepted the tenant 's claim as truthful and, according to Google, demanded the {$600.00}.

Google then ( again, without investigation or my consent ) acceded to this demand and unilaterally pulled this amount from my Google Pay account ; since I use Google Pay as a pass-through/payment app and not as an account to store funds, my balance is typically {$0.00}, meaning that this action by Google left me with a - {$600.00} Google Pay account balance.

I contacted Google via online chat, who told me to file a form to start an investigation, which I did on XX/XX/XXXX. On XX/XX/XXXX, Google stated the following : " Thanks for contacting Google Pay support. We determined this dispute claim is invalid. In the disputed transaction, you claimed an amount through Google Pay. We found no system errors and as advised, if it was canceled from the counterparty, you have to contact them directly to get the funds back. The Error Resolution Policy specifically states that any, 'Customers are solely responsible for disputes and GPC is not a party to and will not be responsible for any disputes between Customers. ' Further action may be taken against the other accounts involved. Due to user confidentiality, we cant discuss the outcome of any investigations with you or them. If you have any other questions about Google Pay, reply to this email. '' I responded by stating that their statement was openly contradictory, as they already HAD intervened in the so-called dispute by unilaterally taking {$600.00} from me and accepting the tenant 's ( and their bank 's ) claim as factual. In later emails, they stated that they " can not process a refund for a transaction disputed by the counterparty '' ; again, this is openly contradictory, as they processed a refund for the tenant simply because the tenant made a complaint. No investigation, no notification, just a sight unseen pull of money from my balance to the tenant. I advised them that in this state, stealing {$600.00} is first-degree petit theft, and that, by blindly granting {$600.00} to the tenant and subsequently refusing to assist me when notified of the fraud, they are aiding and abetting that theft. Google has since stopped responding to my emails, despite my attempts and offerings of documentation as to the legitimacy of the original rent payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: Strategic Alliances, Inc.
State: GA

Complaint narrative:
On XX/XX/2021 a derogatory mark was added on my credit report per XXXX XXXX from First Financial and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Recovery Services, Inc.
State: FL

Complaint narrative:
Hi, I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been abused and deceived by Financial Recovery Services , Inc. Financial Recovery Services , Inc has knowingly and willfully violated the Truth in Lending Act ( TILA ). The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I have previously sent a Debt Validation Letter and Affidavit of Truth to Financial Recovery Services , Inc . They received it certified mail and signed off at XXXXXXXX XXXX, on XX/XX/2021. As they have violated me as a Federally Protected Consumer. Within that document, it outlines their violations towards me and a way to rectify the matter. Please see the attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously disputed a XXXX  Credit Card with account # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} from the first time I saw it on my report back in XXXX because it doesnt belong to me. Over the years, I have sent several certified dispute letters disputing the validity of this item. And I don't agree with your Experians claims that theyve investigation this item. On my last certified dispute letter to Experian dated XX/XX/XXXX, I requested that they mail me the proof of their investigation within 30 days. It has been more than 30 days and they have not mailed me the proof but theyve already closed the case and marked it as updated. Experians claim that the account is verified it's frivolous and unduly. I provided the reason for my dispute in simple language and they had 30 days to perform an investigation and mail me the proof of their investigation. Because this was not done, Experian should delete this negative information. It has been a terrible experience dealing with Experian. I have maintained a careful record of my communications with Experian for the purpose of filing a complaint with the FTC, the Attorney Generals office, and a local court in Texas should Experian not remove this account from my Experian credit reports. See Attached

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 2021-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capital Accounts, LLC
State: GA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
I received a call by XXXX XXXX with XXXX XXXX. XXXX She told me I was being sued for credit card fraud and wanted to meet me at my home. XXXX XXXX was given to my home ) in order to serve me the lawsuit papers. She then gave me a phone number to call XXXX for the XXXX office. She gave me a docket number XXXX XXXX 
I called the number to check and verify. The man on the phone said gave me my address and XXXX #. He also gave my wife first name. He claimed that my fraud debt was with Bank XXXX and it totaled over {$11000.00}. He offered to reduce if I paid {$4000.00} now. I told him I did not have a card and did not owe. He then told me that that was too bad as XXXX would not be happy or safe. I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX  XXXX ... XXXX XXXXXXXX XXXX XXXX ... XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't Navient sued by Cfpb before for not applying payments to consumers accounts correctly?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

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 2021-03-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has had information provided by myself, for over 30 days, that directly resolve my situation. They have information from myself, the original creditor, the settlement and removal of debt that I negotiated over the course of 3 years, with little to no help from Experian. 

When I call, they state the information doesn't apply on their end, but my report has not changed. At all, and my app does not reflect, adequately that it has been paid and resolved. 

When I called and waited 30 minutes for a supervisor she disconnected the call when she heard something she didn't like and hung it. I find it hard to believe that a 30 minutes hold, and 5 minutes of a call, filled with tension, caused the phone to magically disconnect. 

No call back was provided. No effort to resolve. 

If you are a credit reporting company, YOU ARE NOT THE GOVERNMENT, for one. You're a company getting favor from the government based on a " service '' you provide. The only point of a credit agency is to report truthful and accurate information. 

XXXX XXXX is resolved completely. 
XXXX XXXX XXXX have been resolved completely. 

This complaint encompasses both because if I don't say anything now, about how the CC took over 30 days. Then I wait, 30 days, and complain about XXXX XXXX XXXX. 

That will take 60 days to resolve based on their time table and I have no way to speed up the process, no way to inquire where they are with the process, the application is faulty, the information is only good for people that want to ruin your credit. 

Experian job is to report properly. They are not reporting properly. They are not following the 30 day rule agreed to by Legislatures and governs corporations as well. 

Everyone benefits from credit scores, except for the person that has a score reported incorrectly and Experian makes no real efforts to assist in the process. 

They care more about showing you a card to apply for, to get a finder 's fee, than they care about actually helping the consumer. 

Stop trying to ruin my future prospects with your XXXX  and inattentive acts that by this point, look more like malice than negligence. With a nice sprinkle of racism and discrimination.

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 2021-03-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was in the process of refinancing my home. To do so I would need to either pay off my HELOC or have the loan subordinated, which was my preference. When my new lender XXXX XXXX XXXX XXXX contacted Bank Of America, they were informed that my request for subordination was denied. Neither XXXX, nor I, received a satisfactory reason for the denial, although when I contacted BOA I was told approval depended on the new bank (? ). As a result, I then tried a second bank ( my current lender ). When XXXX XXXX XXXX contacted BOA, they too were told the subordination was denied and advised by XXXX XXXX XXXX that I should contact BOA to see if I might be more successful. BOA wanted documentation from me that I could not provide, but told that XXXX XXXX XXXX might be able. So back and forth I went. After several discussions with XXXX XXXX XXXX, I was basically told they could not supply the information BOA wanted. As a result, if I still wanted to refinance, my only option was to pay off the HELOC. Therein begins the actual complaint.

When the title company received the payoff statement from BOA, a {$450.00} " early closure fee '' was applied to the payoff amount. I have since contacted BOA asking that the fee be waived, since they forced my hand into closing the loan. After several calls and much yelling and screaming on my part, and always being told they could do nothing about the fee, I reached employee XXXX. After getting nowhere, I forcibly told her I wanted to speak to a supervisor. I was told none were available ( a typical Covid 19 response these days ) and was placed on hold. After several minutes on hold, XXXX came back and said she " filed a complaint on my behalf and a supervisor would call me back within 48 hours '' ( my call was placed XX/XX/2021 ). For what it was worth, I felt that I made progress, as previously, I was told that a supervisor for the equity loan department did not exist. Imagine that!! Could that even be possible? I was given a case number : XXXX. ( I was informed that the first three sets of numbers represented the year, month and date of the complaint ). I have yet to be contacted by a supervisor, or any one else from BOA!!

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 2021-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: KY

Complaint narrative:
Received a collections bill that I know nothing about.. have never received a bill and the company said it dates back to 1996.. company told me to call you guys

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: AES/PHEAA
State: VA

Complaint narrative:
The account reporting on my credit score is closed and it is " fraudulent '' and should not be reporting on my credit score. I want this account " DELETED '' from my credit score ASAP or me and my attorney will be taking legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX  XXXX ... TENNESSEE XXXX XXXX XXXX ... 11 XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report 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 non-monetary relief
Consumer complaint received 2021-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
Attempted to cancel the account online at my settings but PayPal would not allow me to cancel. Said I must call the company which I have attempted to on two occasions but the wait times are hours. 

PayPal is doing everything they can not to take my emails, calls or allow me to close my account despite the balance being {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
I received a notice of attempt to collect a debt, in the amount of {$16000.00}, original creditor Ford credit Us. I called Ford credit and they had no information. I called XXXX XXXX, XXXX XXXX, spoke with XXXX, XXXX not sure and he said all he has is account opened XXXX and last activity was 2002. This isn't showing on my credit report. He said he was contacting XXXX XXXX XXXX XXXX, for them to send additional information. Even if my last activity was in 2002 it's past the statute of limitations to collect. I have never had a credit card with a high balance, so I'm confused. If this is for a car then they need to furnish proof that I in fact signed for that. Please help me. I suspect something shady is going on.

Company response to consumer: Closed with explanation