vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Thy have frozen our account multiple times. We've submitted required paperwork and they have un-frozen it, only to later freeze it again. They have pulled money from out bank account and continue to attempt to hit our bank account for charges even though we have told them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To whom it may concern, My name is XXXX XXXX and I'm reaching out to you regarding my auto loan bank. The bank, XXXX XXXX, for my 2017 XXXX XXXX auto loan did not fix the problem which they created themself in the first place. 
At the beginning XXXX XXXX had issue with my insurance when, in fact, I did have coverage on my vehicle the entire time of the loan. Then XXXX XXXX blocked the access to my online account and didn't cash out the checks I sent via mail for my car payments and put my auto loan into repossession. 
I've tried reaching out to the management of the XXXX XXXX but the representatives told me that the management would not be able to help but told me to buy their insurance for the previous months in order to take my auto loan out of repossession. 
It was very frustrating because for the entire time of my loan I had insurance coverage for my car. This all was happening during the time XXXX-XXXX  hit our country and some of my family member were sick which made things even worse. 
I fought with them over a couple of months and they finally admitted that it was a mistake in their system. XXXX XXXX confirmed that I indeed had coverage for the entire time of my auto loan. They rolled back all the extra fees and let me become current on my loan. 
XXXX XXXX, DID NOT FIX MY CREDIT REPORT which they promised to, my credit depleted because of this dispute and I reached out to all credit bureaus and they told me that XXXX XXXX has to fix it on their end. 
Since then 4-5 months passed and XXXX XXXX took no action. It is extremely difficult to reach out to them and in order to fix this problem. 

Would please reach out to XXXX XXXX for their wrongdoing and ruining my credit without fixing it and have them fix my credit report. If you are able to see my credit report, you can see that I was never late on any of my payments. 

Thank you, 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 2020-12-26 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: FL

Complaint narrative:
To whom it may concern, My name is XXXX XXXX and I'm reaching out to you regarding my auto loan bank. The bank, XXXX XXXX, for my XXXX  XXXX XXXX auto loan did not fix the problem which they created themself in the first place. 
At the beginning XXXX XXXX had issue with my insurance when, in fact, I did have coverage on my vehicle the entire time of the loan. Then XXXX XXXX blocked the access to my online account and didn't cash out the checks I sent via mail for my car payments and put my auto loan into repossession. 
I've tried reaching out to the management of the XXXX XXXX but the representatives told me that the management would not be able to help but told me to buy their insurance for the previous months in order to take my auto loan out of repossession. 
It was very frustrating because for the entire time of my loan I had insurance coverage for my car. This all was happening during the time COVID-19 hit our country and some of my family member were sick which made things even worse. 
I fought with them over a couple of months and they finally admitted that it was a mistake in their system. XXXX XXXX confirmed that I indeed had coverage for the entire time of my auto loan. They rolled back all the extra fees and let me become current on my loan. 
XXXX XXXX, DID NOT FIX MY CREDIT REPORT which they promised to, my credit depleted because of this dispute and I reached out to all credit bureaus and they told me that XXXX XXXX has to fix it on their end. 
Since then 4-5 months passed and XXXX XXXX took no action. It is extremely difficult to reach out to them and in order to fix this problem. 

Would please reach out to XXXX XXXX for their wrongdoing and ruining my credit without fixing it and have them fix my credit report. If you are able to see my credit report, you can see that I was never late on any of my payments. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom it may concern, My name is XXXX XXXX and I'm reaching out to you regarding my auto loan bank. The bank, XXXX XXXX, for my XXXX  XXXX XXXX auto loan did not fix the problem which they created themself in the first place. 
At the beginning XXXX XXXX had issue with my insurance when, in fact, I did have coverage on my vehicle the entire time of the loan. Then XXXX XXXX blocked the access to my online account and didn't cash out the checks I sent via mail for my car payments and put my auto loan into repossession. 
I've tried reaching out to the management of the XXXX XXXX but the representatives told me that the management would not be able to help but told me to buy their insurance for the previous months in order to take my auto loan out of repossession. 
It was very frustrating because for the entire time of my loan I had insurance coverage for my car. This all was happening during the time XXXX hit our country and some of my family member were sick which made things even worse. 
I fought with them over a couple of months and they finally admitted that it was a mistake in their system. XXXX XXXX confirmed that I indeed had coverage for the entire time of my auto loan. They rolled back all the extra fees and let me become current on my loan. 
XXXX XXXX, DID NOT FIX MY CREDIT REPORT which they promised to, my credit depleted because of this dispute and I reached out to all credit bureaus and they told me that XXXX XXXX has to fix it on their end. 
Since then 4-5 months passed and XXXX XXXX took no action. It is extremely difficult to reach out to them and in order to fix this problem. 

Would please reach out to XXXX XXXX for their wrongdoing and ruining my credit without fixing it and have them fix my credit report. If you are able to see my credit report, you can see that I was never late on any of my payments. 

Thank you, 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 2020-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optimum Outcomes, Inc.
State: GA

Complaint narrative:
I have tried numerous times to contact thid company and let them know there is a XXXX. and a XXXX. And they keep mixing up the two of us i dont know this company i have never signed any contract with rhem nor any of there affiliates

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Santander account used to say open and delinquent after XXXX. When in fact I traded my vehicle in XXXX for another vehicle. Had that investigated by XXXX  and was updated to delinquent and included in Bankruptcy. Ask XXXX  to reinvestigate it two years ago. Was never included in my Chapter XXXX bankruptcy that was discharged in XX/XX/XXXX. Still paid a note a traded it in XXXX for another vehicle. When checking XXXX  credit report again for Santander, it still saying reinvestigation in progress and included in Bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
NCB knows this debt is fraudulent. They were told this multiple times. I was a victim of identity theft. My wallet and passport were stolen at the time. Not only do I not owe them a simgle dollar. I will also seek damages for all the derogatory remarks they'e been adding to my report in harrassment. I attached below a copy of my stolen passport report confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Im writing to try and clear this up this company has been confusing me for my son there is a XXXX and a XXXX. Which they have been getting wrong i dont know this company nor any of there affiliates i have never signed any contract with them nor any of there affiliates

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I sold an item in person and utilized PayPal as a payment method in the amount of {$2300.00} for an XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2020. There was no issue with the product and the buyer and I had amicable contact post-purchase. However, On XX/XX/2020, the buyer reported our transaction as being unauthorized, over a month after purchasing the item from me. PayPal sided with the buyer despite evidence of an agreement and transaction. At no time did PayPal contact me to hear my side of the story. I currently have a negative balance of {$2300.00} in my PayPal account and also do not have the product that I sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: AL

Complaint narrative:
This account is in my XXXX XXXX XXXX name. I have been appointed XXXX of this property and this company has that paperwork on XX/XX/XXXX & XX/XX/XXXX by email. I made the last payment mortgage on this account on XX/XX/XXXX. I had a statement stating the last payment was {$140.00}. I tried to pay the {$140.00} on XX/XX/XXXX. Their system wouldn't accept, it still had the regular payment of {$150.00}. I called, held on, their phone hung-up several times. They would call me back, but when I answered, it was a message telling me to call them. So, once again, I called, their phone hung-up. So I just made the {$150.00} payment on XX/XX/XXXX, from my online account with their company, as I made the other XXXX pymts, so it would not be late and just get a refund later. I received a payoff letter on XX/XX/XXXX stating I still owe {$15.00} for a late fee. The last payment I made on XX/XX/XXXX for {$150.00} was sitting on my account when they charged me the {$15.00} late fee on XX/XX/XXXX. The {$150.00} was unapplied on XX/XX/XXXX. On XX/XX/XXXX, {$140.00} was the payoff pymt, which included a XXXX interest. Why at that time they didn't see they owed me {$10.00}, I have no idea. The unapplied my {$15000.00} payment again on XX/XX/XXXX. I just need my {$10.00} put back in the same account they got it from.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX account used to say open and delinquent after XXXX. When in fact I traded my vehicle in XXXX for another vehicle. Had that investigated by Equifax and was updated to delinquent and included in Bankruptcy. Ask Equifax to reinvestigate it XXXX years ago. Was never included in my Chapter XXXX bankruptcy that was discharged in XX/XX/XXXX. Still paid a note a traded it in XXXX for another vehicle. When checking Equifax credit report again for XXXX, it still saying reinvestigation in progress and included in Bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My debit card with Chase with compromised and used to withdraw {$1000.00} cash from an ATM several cities away in the middle of the night. I disputed the withdrawal with Chase, but they determined I was at fault for my loss of funds and would not explain to me their justification for not protecting my funds. They demanded I file a police report, and have the local department of the city it occurred in subpoena Chase 's CCTV footage. 

Despite knowing that they don't have an real legal reason to demand this, I complied and was still ultimately done a disservice. The police XXXX I spoke with during my report even questioned why they were making me jump through these hoops.They denied my fraud claim and made me pay for the {$1000.00} that was stolen from me. 

This was almost two years ago, and I have since closed the account in question after begrudgingly paying the {$1000.00} under threat of damaging my credit. Do I still have any legal options? I only recently discovered these consumer resources. I am away from home so I do not have any documentation readily available but upon request I can produce account statements, and the police report I filed with XXXX XXXX PD.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 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: IL

Complaint narrative:
I filed a police report and a complaint with the FTC im uploading the supporting documents to prove it. I disputed the identity theft thats in my credit report. And the credit bureaus are still illegally reporting the fraudulent information on my credit. I told them multiple times that ill filed a police report etc. The companies in this complaint still refuse to remove the fraud off my credit and they continue to illegally report the information.

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 2020-12-27 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: IL

Complaint narrative:
I filed a police report and a complaint with the FTC im uploading the supporting documents to prove it. I disputed the identity theft thats in my credit report. And the credit bureaus are still illegally reporting the fraudulent information on my credit. I told them multiple times that ill filed a police report etc. The companies in this complaint still refuse to remove the fraud off my credit and they continue to illegally report the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ATG Credit, LLC
State: WI

Complaint narrative:
Please run a complete investigation on this collection account. I feel the address associated with this collection agency, the terms and the balance are incorrect. The account number is missing digits which I feel is inaccurate and a violation of the FCRA. Please delete immediately from my credit report for it's errors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The information the company provided does not verify that this account was created by me. My social security number and ID was stolen from my wallet. They have an invalid phone number and an invalid home address attached to this account which is the most lawful valid way of identifying me since my information was lost from my wallet before this account was created. If they do not have a valid signature from me opening an account with them it simply means under the FCRA, they can not verify the information. These items lawfully must be deleted from my report because the company has failed to provide adequate contract signature information to verify this account was opened by me. 

Under the FCRA, unverifiable accounts must be removed within 30 days and if you are unable to provide me a copy of verifiable proof ( i.e proof of the alleged items, specifically the contract, note or other instrument bearing my signature ), you must remove the fraudulent account. I never signed a contract, note, or other instrument bearing my signature. If the company can provide this information because it doesn't exist. Their failure to positively verify these accounts that I disputed on XX/XX/XXXX ( which has been beyond 45 days ago ), has hurt my ability to obtain credit and I desire it to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The companies in this complaint are illegally reporting inaccurate information on my credit report.

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 2020-12-27 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Account charged off. {$3100.00} written off. {$3100.00} past due as of XX/XX/2020. 
( XXXX ) XXXX Public Record XXXX XXXX XXXX XXXX XXXX XXXX Addresses not names or address

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 2020-12-27 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Account charged off. {$3100.00} written off. {$3100.00} past due as of XX/XX/2020. 
( XXXX ) XXXX Public Record XXXX XXXX XXXX XXXX XXXX XXXX Addresses not names or address

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 2020-12-27 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Account charged off. {$3100.00} written off. {$3100.00} past due as of XX/XX/2020. 
( XXXX ) XXXX Public Record XXXX XXXX XXXX XXXX XXXX XXXX Addresses not names or address

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Capital One / Cabela 's pulled my credit report without my consent. I was notified through my current credit card company, XXXX, of this inquiry. XXXX separate inquiries were made on XX/XX/2020 and XX/XX/2020 by Capital One/Cabela 's. I followed up with XXXX to investigate the inquiry but never heard anything back from the investigation. 

I am not sure if these inquiries were by mistake or are malicious. I would like for the inquiries to be taken off my record and to not impact my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The companies in this complaint are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The companies in this complaint are illegally reporting inaccurate information on my credit report.

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