vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-13 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: NM

Complaint narrative:
I had a Paypal Mastercard and paypal opened a cash card account that I did not want.

I came to find out the Paypal Mastercard was actually managed be XXXX and not Paypal.  The paypal cash card account was setup to withdraw money from my personnel bank account with XXXX XXXX, I did this thinking it was all one Paypal system. 
The charges I was putting on the XXXX card account kept going to the Cash card account and XXXX was withdrawing money directly from my XXXX XXXX checking account causing my checking account to go over drawn costing me overdraft charges. 
I closed the Mastercard On Monday XX/XX/XXXX since XXXX was putting all the charges on the cash card account. 
I dreXXXX money from another account and placed it in my XXXX XXXX account and sent a payment to the XXXX cash account so I could zero the amount due and close the cash card as well. The amount did transfer and I continue to get charges from Paypal. I have spent hours on the phone trying to communicate with them but can't get past the automated helper. I got on a chat line on Wednesday XX/XX/XXXX All they could do was give me an email to the accounting dept https ; //paypal.com/us/smarthelp/contatus? email=privacy. I sent an email requesting the account be closed immediately as it was destroying my bank account. 

The problem is Paypal withdrew {$3400.00} dollars from my bank account for a reoccurring {$15.00} donation to XXXX XXXX. They over charged me by {$3400.00}. 

Also note that this item is inactive in Paypals home site ( see attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: FL

Complaint narrative:
I have no idea what these two collection items are for. I pay my bills and I have never even been late. I tried calling and no one will tell me anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EXECUTIVE FINANCIAL GROUP
State: CA

Complaint narrative:
I applied for loan with Executive Financial Group XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX on XX/XX/2020 and they failed to provide me a Loan Estimate within 3 days. 

I called several times and at the end on XX/XX/2020 the loan office ( XXXX ) was rudely saying " Do you wnat the loan or not? " and deflecting my question about why I had not received loan estimate when I applied with them and they ran my credit and requested all my documentation.. Please address or assist so they don't mislead consumers..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: TX

Complaint narrative:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a XXXX letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XXXX and I've yet to get any feedback on my investigation.

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 2020-06-13 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: TX

Complaint narrative:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a XXXX letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XXXX and I've yet to get any feedback on my investigation.

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 2020-06-13 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: ERC
State: MI

Complaint narrative:
Incorrect collections on my CR especially XXXXn and XXXX. 
Enhanced Recovery Company Original creditor XXXX {$240.00} Item was returned on XX/XX/XXXX. 
This was regarding a equipment device that was returned XXXX years ago. This collection takes it off then puts back. All other CR have removed it. I have submitted showing the date that it was sent back to company in their prepaid envelope. See enclosed documentation XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} Colonoscopy that insurance paid included in preventative maintenance plan in XXXX. All other CRs have taken this off except XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: NV

Complaint narrative:
my personal information has been compromised due to XXXX data breach. I notice multiple accounts showing on my credit profile I never opened

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 2020-06-13 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: PA

Complaint narrative:
Per the fair credit reporting act, I requested that the credit bureaus send me documents verifying an account that is on my credit report. It was mailed on XX/XX/XXXX, I still have not received a response.

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 2020-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
On or about four months ago Midland started contacting me after they bought XXXX   account. So, as their attempt to collect on the debt, in this email to a lawyer this is a snapshot of some of the threatening tactics used by the personnel listed in said email : XXXX XXXX XXXX To : XXXX Sat, XX/XX/XXXX at XXXXXXXX XXXX  To whom it may concern : Right now as we speak, the above mentioned credit collection agency is attempting to collect on previous debt, that they have bought from XXXX XXXX  XXXX. Now, it is my understanding that under Georgia Law and the F.C.R.A I have certain rights as the debtor, it is my intention on paying some of the alleged debt, but the person I spoke with on the phone is only giving me verbal promises, and as such I am not fully confidant of XXXX XXXX ' sincerity nor her agreements for me to pay on or satisfy said account. 


I would like a free consultation on matters I can take, there has been two letters outlining what is owed but validation can still be sought, the letters state, that around the XXXX of this month debt would be considered valid, as I am in the pre- legal status what ever that means. 



Sincerely, Mr. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-13 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: NV

Complaint narrative:
my personal information has been compromised due to XXXX  data breach. I notice multiple accounts showing on my credit profile I never opened

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 2020-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: VA

Complaint narrative:
Source Receivables MNG is requesting payment for a XXXX account worth {$10000.00}. The collection was opened on XX/XX/2019. I disputed the charge on both XXXX and XXXX, but both didn't find identity heft. I called Source Receivables MNG and was told to fill out a fraud packet. I have never had a XXXX Account. My whole family uses XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: CONGRESS COLLECTION CORP
State: MI

Complaint narrative:
Incorrect collections on my CR especially XXXX  and XXXX. 
XXXX  XXXX XXXX XXXX creditor XXXX {$240.00} Item was returned on XX/XX/XXXX. 
This was regarding a equipment device that was returned XX/XX/XXXX years ago. This collection takes it off then puts back. All other CR have removed it. I have submitted showing the date that it was sent back to company in their prepaid envelope. See enclosed documentation Congress Collection Medical bill Dr XXXX XXXX {$400.00} XXXX  that insurance paid included in preventative maintenance plan in XXXX. All other CRs have taken this off except XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Total Card, Inc.
State: TX

Complaint narrative:
I paid 4 accounts that were charged off from XXXX XXXX through their collection agency however the collection agency has not sent proof of Accts 4 accts being paid off completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: The Bureaus, Inc.
State: TN

Complaint narrative:
I was called at XXXX XXXX Eastern time and that is a clear violation. 
They were told to no longer contact me on XX/XX/XXXX and they tried calling me again. this is a CLEAR VIOLATION OF THE FDCPA They violated 1. Continuous communication - after I requested on XX/XX/XXXX for them to no longer contact me on the phone. 
2. Not identifying themselves - as they have this whole time, spoofing numbers and not identifying where they are calling from or who they are. 
3. Ignoring a request to cease communication as i requested XX/XX/XXXX 4. calling after XXXX XXXX. i received a call at XXXX XXXX eastern time they are the only creditor in a different time zone and who had used tactics that violate FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: PA

Complaint narrative:
Per the fair credit reporting act, I requested that the credit bureaus send me documents verifying an account that is on my credit report. It was mailed on XX/XX/XXXX, I still have not received a response.

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 2020-06-13 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: CA

Complaint narrative:
I uploaded a letter to Experian disputing an item on my credit report that had reached Statute of limitations on XX/XX/2020 for the state of California. I submitted this dispute with Experian for a XXXX XXXX XXXX XXXX   account, on XX/XX/2020. The results that Experian sent back to me on XX/XX/2020 are unclear and resolved nothing.

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 2020-06-13 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: TX

Complaint narrative:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XXXX and I've yet to get any feedback on my investigation.

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 2020-06-13 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: TX

Complaint narrative:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XXXX and I've yet to get any feedback on my investigation.

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 2020-06-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
IQ Data International, Inc is falsely representing the amount of alleged debt and therefore violating FDCPA 15 USC 1692e ( 2 ) ( A ). 

I have disputed the validity of this debt with XXXX  and XXXX. Unfortunately the companies simply parrot IQ Data International 's position that the account was " validated ''. 

This is unacceptable as I requested a real investigation several times. This includes a request for furnisher to provide original documentation with my signature and also a itemization of how the alleged debt was calculated. Neither the original furnisher XXXX XXXX or IQ Data International has provided me with an answer. 

My family and I have been homeless over the years because I was denied a real investigation into this matter. They ballooned the debt no sooner than we let the settlement ink dry and they received my {$2000.00} back in 2014. 

Please note I continued to pay XXXX XXXX on a month to month lease basis as the owner of the property had no problem with me once a settlement was reached. I have proof I left the property owing nothing from that transaction. 

It is my belief XXXX XXXX did not pay the owner in accordance with the settlement terms and upon me leaving the property XXXX XXXX XXXX, immediately attempted to doubled the amount the alleged debt it claims I owe. 

I have court documentation proving that I paid over {$2000.00} dollars on this alleged debt back in 2014. XXXX XXXX should also have a copy and has refused to submit anything relating to the court settlement which is outrageous. XXXX XXXX has violated my rights by fraudulently inflating the alleged amount owed after our court settlement in 2014. Furthermore I was not notified that XXXX XXXX sold the alleged debt to IQ Data International. 

IQ Data International having detailed knowledge of my complaint has also ignored my request for an itemization of the debt. This is clear opportunism and unless IQ Data International can provided an accurate itemization of monies paid via the court settle in 2014 it purchased a debt that was inaccurate. To continue to report on the alleged debt after having knowledge of errors is a violation of federal and state law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XXXX I disputed XXXX XXXX XXXX and XXXX XXXX on my TransUnion Credit Report. I received a notification on XXXX that the information is correct and accurate. This claim is fraudulent and the credit reporting agency refused to remove this negative mark.

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 2020-06-13 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: GA

Complaint narrative:
I Sent Experian a dispute letter on XX/XX/2020 to verify, and validate a collection from XXXX XXXX XXXX.This is the second time I tried to dispute and didn't get a response. 
I personally contacted convergent outsourcing, and asked them to validate this debt, but they continue to sent snapshots of a XXXX  bill I have no knowledge of. 
I sent Experian a packet of responses from XXXX  to show that the debt is not valid.and I have not received a response.I also received several postcards explaining the dispute process, but nothing about my specific dispute case.

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 2020-06-13 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: CCS Financial Services, Inc.
State: MI

Complaint narrative:
On XXXX I disputed Credit Collection Services and XXXX XXXX on my XXXX  Credit Report. I received a notification on XXXX that the information is correct and accurate. This claim is fraudulent and the credit reporting agency refused to remove this negative mark.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: BTH Management
State: MI

Complaint narrative:
On XXXX I disputed XXXX XXXX XXXX and Plaza Services on my XXXX  Credit Report. I received a notification on XXXX that the information is correct and accurate. This claim is fraudulent and the credit reporting agency refused to remove this negative mark.

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