vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Malen & Associates, p.c.
State: NY

Complaint narrative:
On XX/XX/XXXX I was given two summons and complaint by a member of a family living where I reside. The summons did not list a hearing date of a court appearance nor was the complaint certified or stamped with a seal from the court. Furthermore, the complaints handed to me are defective because they do not list an index number pertaining to the cases. 

Please note that by failing to certify the complaint the plaintiff has obstructed the rules of the chief administrative judge part 130 : costs and sanctions : section 130-1.1 where it states : ( b ) certification. By signing a paper, an attorney or party certifies that, to the best of that persons knowledge, information and belief, formed after an inquiry reasonable under the circumstances, ( 1 ) the presentation of the paper or the contentions therein are not frivolous as defined in section 130-1.1 ( c ) .Of this subpart, and ( 2 ) where the paper is an initiating pleading, ( i ) the matter was not obtained through illegal conduct, or that if it was, the attorney or other persons responsible for the illegal conduct are not participating in the matter or sharing in any fee earned therefrom, and ( ii ) the matter was not obtained in violation of Part 1200. Rule 4.5 of this Title. 

Nevertheless, on XX/XX/XXXX I sent letters to MALEN & ASSOCIATES P.C. demanding that they validate the debt they claim I owe. 

On XX/XX/XXXX MALEN & ASSOCIATES P.C mailed two packets containing account statements of the two charged off credit accounts of which my alleged debt accrued. 

Note, however, that according to an FTC opinion letter by XXXX a computer-generated, itemized statement of services ( such as computer-printed account statements ) are not a validation of an alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/2016. XXXX dollars. I was hired by a man named XXXX XXXX, my boss, and I was to cash a check through my Bank of America account. The check came back as fraud and my account was shut down and reported to the XXXX system and I attempted to contact Bank of America and they said there wasnt anything I could do. I would like this to be reported and for this to be off of my 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 2019-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have tried to remove my credit freeze for the last five years. I place a credit freeze on my account in XXXX due to a security breach and i was offered free credit freeze/monitoring. My first attempt at a permanent freeze removal was through the Experian website in XXXX. A background for a job was flagged and I attempted to remove the freeze to open up my credit history. I assumed it was removed since my XXXX XXXX card was charged three times at {$5.00} per transaction ( submitted request to XXXX XXXX for archived copies ). In XXXX, I was in the process of looking for a new home when I was informed by the bank there was a credit freeze on my account. I, once again, filled out the appropriate information but this time, I mailed in all the requested documents along with a check ( i have proof of payment to Experian ). I assumed everything was taken care of. In XXXX, I applied for a XXXX XXXX credit and found out nothing was done by Experian. I mailed in documents on XX/XX/XXXX ( see attached file ), I have spent countless hours with my accountant, banks, accountants, Experian, etc for the last five years. I recently mailed a priority mail letter on XX/XX/XXXX with all of the documents ( see attached ). My tracking number shows arrival at the Experian Credit Freeze Removal address ( XXXX XXXX XXXX Tx ) on XX/XX/XXXX in the morning. I contacted Experian on XX/XX/XXXX and they said the package did not arrive and to call back 24 hours later. I contacted them on XX/XX/XXXX and Experian claims they do not have the package and it will take 3 to 5 business days to process. I asked to speak to a supervisor and she told me to call back on XX/XX/XXXX ( 7 days later ) to see if they received my package. I was then told by the operator that it would be another 7 to 10 business days to get a pin ( I requested a removal not a pin ). I am in danger of losing a vehicle loan due to this nightmare. I do not know what to do. I have spent over {$4000.00} dealing with this and I am back to square one.

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 2019-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
The first problem I had is that I hired a lawyer using my Paypal debit Mastercard on XX/XX/2019. I paid the lawyer {$350.00}. The lawyer did not perform any services and I requested a refund multiple times by phone and through email, but my contacts were ignored. 

That's not why I am contacting the CFPB. I tried to dispute the debit card transaction through Paypal. It was my only way to try and get a refund after the lawyer refused to provide the refund. I submitted the dispute to Paypal on XX/XX/2019. At that time, I had already done everything I could to get a refund from the lawyer. Paypal kept saying they were reviewing my case, which I outlined all the times I tried to contact the lawyer by phone and I provided them with the emails I sent requesting a refund from the lawyer, showing that I did everything I could to solve the problem. Paypal reviewed the dispute and refused to even try and get my money back. The case was denied through them on XX/XX/XXXX. I could not prove a negative, which was the fact that the lawyer would not refund the money. I had called Paypal multiple times between XX/XX/XXXX and XX/XX/XXXX. They did not seem to understand the problem or want to help me dispute the transaction. 

What frustrates me is that the dispute is actually handled through Mastercard, so Paypal really didn't have to do anything but submit my dispute to Mastercard. They refused to do that and denied my case. So Now I have lost {$350.00} for services that were not performed by the lawyer and Paypal refuses to do anything to rectify my dispute.

I actually paid the lawyer using 2 payment methods. The other payment was for {$400.00}. I paid them using my Visa debit card issued by my bank. After I submitted the dispute to my bank, I received a credit for the amount 7 days later while the dispute was being worked on ( that dispute is still in process ). So not only did the other bank actually submit my dispute for processing, they actually gave me a credit in the meantime.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jacob Law Group, PLLC
State: GA

Complaint narrative:
I never received any type of written notification of this debt and My wife has received repeated calls about a debt that I do not owe for the past 7 months. My wife has asked Jacobs collection for more information, but was told it was a business matter she has also told Jacobs collection to not call her phone relating to the debt that I ( her husband ) supposedly owes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I've contacted TransUnion three times about this issue. There are several inquires that I do not recognize and or authorized. I've attached a PDF summary of the inquires that need to be removed from my credit report. There are two columns one that says authorized, meaning that I did inquire and the second column that says " NO ''. That means that I did not authorize under one heading. This appears to be part of TransUnions inquiry issue.

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 2019-06-26 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 — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I applied for a Government Small Business Loan through TD bank on XX/XX/2018 I was denied because I had issues with my credit report, three negative items were affecting my score, I called these 3 creditors they provided me with paid in full letters and I dispute the 3 accounts with the 3 credit bureaus ( XXXX, XXXX  and XXXX ), finally on XXXX XXXX these 3 accounts were deleted form XXXX Credit Report, I went to TD bank again on XX/XX/XXXX with the XXXX credit report sent by this credit report bureau by regular mail with all the disputes resolved. These 3 accounts were removed and deleted from XXXX Credit Report however from XXXX and XXXX I am still in dispute with them with the same accounts, my company fullfilled all the requirements and the Bank didn't even consider that XXXX credit report was accurate, the bank denied the loan because the issue was not resolved with the other credit bureaus XXXX  and XXXX knowing that these accounts were the same ones deleted from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am having some issues with addresses on my file that are not accurate. My XXXX XXXX XXXX I live at XXXX XXXX XXXX, XXXX, OH XXXXplease remove delete any other address. My DOB is XX/XX/XXXX, my SS # is XXXX. Please delete the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A.
State: FL

Complaint narrative:
in XX/XX/XXXX, I called the customer service XXXX # at PNC Bank to request the balance in my account with PNC Bank the customer service representitive told me my balance was XXXX it was in an account called the reserve account. the teller asked me if I wanted to tranfer some to my Spend account also known as the checking acct. I asked her at that date in XXXX, XXXX to tranfer the total amount to my checking or their term for term is spend account. she asked me if I wanted to leave any of that amount in the spend I asked her to leave {$36.00} in to keep my account open. she reassured me of the above {$7200.00} was transferred and that I was free to use any or all of that total. I called XXXX XXXX XXXX ON of after the XXXX of XXXX and paid them {$7200.00}. in XX/XX/2019 PNC Bank sent me a notice of a negative balance due them of {$230.00}. PNC release to me the above amount which I paid XXXX XXXX XXXX {$7200.00}. I asked the teller " if I pay that amount was she sure I would have a balance of {$36.00} her answer was yes. Note that the teller automatically transferred these fund and audiblly confirmed the above amount was being placed in my spend account. then waited until XXXX to note an error by their customer service representative. also note that They authorized this tranaction by moving the funds to my Checking account. in turn I called XXXX XXXX XXXX and gave them my checking account # and electronic in the amount above

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-26 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: EQUIFAX, INC.
State: KY

Complaint narrative:
This loan was taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have four private student loans in total that were handled by XXXX and owned by XXXX. Two of the four loans have been given to Navient from XXXX. The XXXX Account Number for my loans is Account # XXXX. The Navient Account Number fir my loans is Account # XXXX. I have requested multiple times from both loan services for my terms and agreement paperwork and ownership documents that XXXX owns my loans. The fact that I am asking for help with repayment and to see my terms and my services won't provide me any paper is concerning as I do not believe the amounts I owe are the true amount. Can you please get my terms and agreement paperwork and ownership documents from XXXX so I can have the binding documents that my loan is in fact still intact.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: Coinbase, Inc.
State: OH

Complaint narrative:
Coinbase wallet and I'm unable to close the account and redeem my cash. They don't respond to email or answer the phone. My password will not reset. I'm unable to access my {$200.00} which they continue to make money on via float.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX placed a derogatory on my Equifax credit file. This was erroneous and XXXX agreed to remove it. See attached XXXX letter and Equifax credit file. I was turned down for a loan because of Equifax 's erroneous reporting of the XXXX derogatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I wish to dispute the {$710.00} transaction for {$60.00} for the following reason incorrect billing and purported collection of sales tax. Please find information from the Florida Department of Revenue supporting my assertion that the merchant, XXXX XXXX, is not obligated to collect sales tax on cosmetology e.g., hair and nail services, the merchant category code in which they operate. As stated previously, the amount of the original transaction was {$650.00} ( {$600.00} for services plus {$50.00} tip ). Not sure how they arrived at {$710.00}, since that doesnt calculate to the purported 7 % tax, over charging me {$60.00} above what was originally agreed. Barclays claim that they do not have any responsibility to assist in resolving this billing dispute since it was a card present and in person transaction is erroneous. Even Barclay 's own internal records support that the transaction was entered manually several times, with varying amounts. They obviously manipulated the amount after we left the establishment. Either they are guilty of incompetence or intentional fraud, but in either circumstance, I should not be held liable for merchant billing errors.

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 2019-06-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: KEYCORP
State: KS

Complaint narrative:
Every two weeks from late XXXX through XX/XX/XXXX, my alimony payments in Kansas which they fund to KeyBank have been hacked every two weeks. I have complained to the KeyBank, wrote a letter substantiating. They issued a new card. Today it happened again. So again they cancelled this new card which Ive had for just over a week. Last week, I received a notification from someone from XXXX XXXX XXXX  XXXX. It said it was a Notice of Data Breach. Indicated my personal information had been leaked/hacked from XXXX and XXXX had been breached between XX/XX/XXXX -XXXX  XXXX, XXXX. They didnt detect until XX/XX/XXXX. I believe this is connect. But only my debit card is being affected so far, not my checking accounts. Im very concerned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  placed a derogatory on my TransUnion credit file. This was erroneous and XXXX agreed to remove it. See attached XXXX  letter and TransUnion credit file. I was turned down for a loan because of TransUnion 's erroneous reporting of the XXXX derogatory.

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 2019-06-26 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:
Equifax is allowing fraudulent information to appear on my Equifax Credit Report, that was opened from a thief obtained from a thief as a result of identity theft and I am victim. They also allowed fraudulent inquiries that I have listed below, and have not blocked these fraudulent inquiries that I did not apply for. These fraudulent accounts include. 

1. XXXX XXXX - {$8000.00} Owed Personal loan opened on XXXX XXXX. This is not authorized. 
2. XXXX XXXX XXXX {$9600.00} Balance owed opened on XXXX XXXX Line of credit. 
3. XXXX XXXX XXXX  {$8500.00} Owed Personal Loan opened on XX/XX/2019. 
4. XXXX XXXX {$980.00} Owed. Line of Credit Opened on XXXX XXXX 5. XXXX XXXX  {$490.00} owed. Line of Credit Opened on XXXX XXXX 6. XXXX XXXX {$5900.00} Owed Line of Credit Opened on XXXX XXXX This account is also fraudulent. Not authorized. 
7. XXXX XXXX XXXX {$0.00} Owed Line of credit opened on XXXX XXXX Limit of {$4000.00} Closed. 

Inquiries that are fraudulent. - XXXX XXXX XXXX XXXX XX/XX/XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019, XXXX XXXX  - XX/XX/2019, XXXX XXXX XXXX XXXX - XXXX XX/XX/2019, XXXX   XXXX - XX/XX/2019, XXXX XXXX XXXX - XXXX - XX/XX/2019, XXXX XXXX - XX/XX/2019, XXXX/XXXX - XX/XX/2019, XXXX XXXX-XXXX - XX/XX/2019, XXXX XXXX - XX/XX/2019. 

Information that is not Correct in my personal information. 

Address - XXXX XXXX XXXX XXXX, XXXX TX XXXX Is incorrect and should not be listed on my credit report. My address is as stated XXXX XXXX XXXX, XXXX TX XXXX. I am attaching my drivers license, and social security card, and utility bill. Please correct and block the fraudulent information promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I removed an authorized user 2 years ago but she was still in my account today. I tried to add my grandson on XX/XX/19 it won't process because PNC never removed the other person. 
For this and other reasons I will be closing Checking., Savings, PNC every day rewards & PNC cash rewards account. I just need PNC to allow me 2 months so I can contact and change direct deposits from Government agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
IsentacertifieddebtvalidationlettertoResurgentCapitalServices(LVNVFundingLLC)onXX/XX/2019.ItwasdeliveredonXX/XX/2019.IreceivedaletterfromResurgentonXX/XX/2019.Ireceivedthedocumentattached.Thereisnoagreementwiththecreditortoauthorizethemtocollectthisallegeddebt.ThereisnobearingofmysignaturestatingthatIhaveassumedthisdebt.Therearenovalidcopesofthedebtagreementstatingtheamountofthedebtandinterestcharges.Noproofthatthestatuteoflimitationsexpired.Nopaymenthistory.Aswellasnolicensenumbertoshowthattheyareregisteredagents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: NY

Complaint narrative:
I have four private student loans in total that were handled by AES and owned by NCT. Two of the four loans have been given to XXXX from AES. The AES Account Number for my loans is Account # XXXX. The XXXX Account Number fir my loans is Account # XXXX. I have requested multiple times from both loan services for my terms and agreement paperwork and ownership documents that NCT owns my loans. The fact that I am asking for help with repayment and to see my terms and my services won't provide me any paper is concerning as I do not believe the amounts I owe are the true amount. Can you please get my terms and agreement paperwork and ownership documents from NCT so I can have the binding documents that my loan is in fact still intact.

Company response to consumer: Closed with non-monetary relief