vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Control Technology, Inc.
State: FL

Complaint narrative:
In XXXX I noticed that a large portion of my paycheck had been garnished. I had to reach out to my employers pay roll department to even find out what the debt was and why I was being garnished. I found out ACT the company that is garnishing me ( in the middle of a pandemic and my hours have been significantly reduced ) was collecting a debt for the Florida Department of Education student loan. I was under the impression that this debt was in forbearance and I never received in correspondence that my debt was being sold to a collections agency. The only way I knew anything about the loan being in default was when my paycheck was garnished. I did not receive any phone calls written correspondence nothing. When I called ACT and explained that the garnishment was financially devastating me they gave me only one option I could set up an additional 5 month installment plan of {$5.00} dollars while the garnishment of roughly {$1000.00} per month is still being deducted. I mentioned the freeze on student loan collections and garnishments I was told by a representative with ACT that they were free to collect the debt since the student loan collection freeze had lapsed. So after the President signed the new economic impact bill mid-XXXX  I called back to see if the garnishment could be stopped I was told to contact my original creditor The Florida Department of Education, the representative with the Florida Department of Education advised me I should never have been garnished in the first place. I called ACT back they advised that they would be stopping the garnishment then when I inquired about the payments previously taken out of my check, would I be getting those payments back since I am still in a financial bind due to my work hours being decreased and the added burden of the garnishment being taken. I was told I would receive a call back which I have yet to receive. This sounds like predatory collections practices and unethical.

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 2021-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Cap one bank na
XX/XX/2021
INQUIRY  WAS PLACED ON MY NAME WITHOUT MY PERMISSION 

XXXX XXXX
XX/XX/2021 INQUIRY WAS PLACED ON MY NAME WITH MY PERMISSION 


XXXX
XX/XX/2021
INQUIRY WAS PLACED ON MY NAME WITHOUT MY PERMISSION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: CA

Complaint narrative:
There are 12 accounts on my credit report that do not belong to me I have been disputing these since XXXX of 2020 this is causing me great anxiety and I am getting irritated that the credit bureaus are reporting wrong information I have not received anything back from the bureaus reagrding this complaint XXXX Acct # XXXXAmt {$0.00} XXXX XXXX XXXX  XXXX XXXX Acct # XXXXAmt {$0.00} XXXX XXXX Acct # XXXXAmt {$1200.00} XXXX XXXX  XXXX XXXX Acct # XXXXAmt {$0.00} XXXX XXXX XXXX XXXX Acct # XXXXAmt {$0.00} XXXX XXXX XXXX XXXX Acct # XXXXAmt {$0.00} XXXX XXXX XXXX XXXX Acct # XXXXAmt {$0.00} XXXX XXXX XXXX Acct # XXXXAmt {$0.00} US DEPARTMENT OF EDU - Acct # XXXXAmt {$0.00} US DEPARTMENT OF EDU - Acct # XXXXAmt {$0.00} US DEPARTMENT OF EDU - Acct # XXXXAmt {$0.00} US DEPARTMENT OF EDU XXXX Acct # XXXXAmt {$0.00}

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 2021-04-14 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: CA

Complaint narrative:
There are 12 accounts on my credit report that do not belong to me I have been disputing these since XXXX of 2020 this is causing me great anxiety and I am getting irritated that the credit bureaus are reporting wrong information I have not received anything back from the bureaus reagrding this complaint XXXX Acct # XXXXAmt {$0.00} XXXX XXXX XXXX XXXX XXXX Acct # XXXXAmt {$0.00} XXXX XXXX Acct # XXXXAmt {$1200.00} XXXX XXXX XXXXXXXX XXXX Acct # XXXXAmt {$0.00} XXXX XXXX XXXX XXXX Acct # XXXXAmt {$0.00} XXXX XXXX XXXX XXXX Acct # XXXXAmt {$0.00} XXXX XXXX XXXX XXXX Acct # XXXXAmt {$0.00} XXXX XXXX XXXX Acct # XXXXAmt {$0.00} US DEPARTMENT OF EDU - Acct # XXXXmt {$0.00} US DEPARTMENT OF EDU - Acct # XXXXAmt {$0.00} US DEPARTMENT OF EDU - Acct # XXXXAmt {$0.00} US DEPARTMENT OF EDU - Acct # XXXXXXAmt {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: IN

Complaint narrative:
CASE NUMBER : : XXXX SORRY I LIVE IN INDIANA FOR LESS THAN A YEAR, I DONT EVEN HAVE A INDIANA ID YET, STILL MY OLD ILLINOIS FROM LAST YEAR AND 5 year ago MASSACHUSETTS. Why would I do unemployment here and I never worked a job here? I HAVE XXXX XXXX  IN TWO OTHER STATES WHERE I HAVE PREVIOUSLY LIVED. FOR THE RECORDS ITS PUA UNEMPLOYMENT WHICH MEAN XXXX ASSISTANCES WHICH I HAVE ALL MY ARTICLE OF CORPORATION AND TAXS FORMS INCLUDING 1099 PLUS BOTH XXXX  ON XXXX. SO THATS FRAUD TO GET UNEMPLOYMENT FROM INDIANA AND I GOT CURRENTLY XXXX XXXX IN TWO OTHER STATES. US BANK HAS NEVER ASK FOR ANY PROOF NOR INFORMATION OF MY XXXX. THE MAILING ADDRESS IS CLEARLY INDIANA BECAUSE I LIVE HERE CURRENTLY. SO AT THIS POINT I DONT NEED TO CONTACT INDIANA IF I DO I NEED TO TELL HOW US BANK IS TELLING ME TO DO FRAUD. BOTH APPLICATIONS ARE STATED DO YOU HAVE A CLAIM IN OTHER STATES? ANSWER IS YES AND STILL GOT APPROVED BECAUSE I SHOWED PROOF. ITS MY EIN AND MY SOCIAL SECURITY SO TRUST ME I WOULDNT DARE BE DOING SOMETHING THESE STATE WOULDNT KNOW. PUA FOR XXXX XXXX SORRY! NOW WHAT BANK DO I NEED TO CONTACT TO CLAIM MY MONEY FOR XXXX? I WOULD CONTACT THEM ASAP!

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 2021-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC
State: GA

Complaint narrative:
Harvard Collections Services has called me twice with my last 4 of SSN, name, and addresses telling me I owe them money for XXXX County, CA and a few weeks later State of Illinois. They also said they " never call on behalf of other counties, let alone in the XXXX of California '' despite calling me about XXXX County a few weeks prior. They provided me a fake number with Illinois Department of Revenue to " verify '' this outstanding debt. I verified with the state and I owe them XXXX dollars. Clearly a scam/abusive and I am troubled because they are a contracted agency with the Illinois Dept. of Revenue. This is scary and abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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:
I have contacted Experian to notify them of identity theft. They did not investigate. They sent me a letter basically stating that I have to contact the creditors before I can contact them. 
Second time I sent a certified letter notifying them of identity theft and to block the information from appearing on my credit until investigation is complete. I submitted a police report and all other documents showing proof that I am an XXXX data breach victim and there were numerous complaints of fraud on my personal banking accounts which led to insufficient funds to pay for my bills. Experian sent me a second lettter stating to submit a police report etc all which has already been submitted. I called experian and they basically hung up on me before anything could resolve. I called them again and someone hung up on me.

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 2021-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
PayPal permanently locked my account and is withholding a total of {$100.00} in my current account on their platform, and they are also holding {$49.00} which was processing for a total of {$150.00} that has been taken from me. I feel that I was wrongfully banned from the platform, and after carefully reading the PayPal license agreement I feel that I followed all guidelines. I contacted PayPal via telephone and was told by a representative that my money was on hold and that I would not have any access to it. The date that I received the decision from the company to banish me from their services was XX/XX/2021. I would like for my money to be released to my bank account with XXXX and for my account to be reinstated as soon as possible. My email with paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent inquires on my credit report.I reached out to the creditor to request the inquire to be removed and they have not removed it.These are fraudulent inquires and need to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
Santander Consumer USA is still reporting to my credit negatively after 7 years

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: FL

Complaint narrative:
There is inaccurate information posted on my credit report with TRANSUNION. I have stated my reasons for disputing those accounts in the documents attached. I have sent 3 requests ; Certified mail to resolve these issues with no prevail. TRANSUNION is violating my rights by continues to report inaccurate information to my credit profile. First Request : Certified Mailed ( XX/XX/XXXX ) - I requested an open investigation of all of the inaccurate information that was reported to my credit file. ( As a result, I expected the information to be removed updated accordingly ) Results of the dispute : Verified. Second Request : Certified Mailed ( XX/XX/XXXX ) - I requested a reinvestigation of the first dispute due to the fact that the information was still inaccurate and continue to report on my credit report according to an independent investigation. ( As a result, I expected the information to be removed updated accordingly ) Results of the dispute : Verified. Third Request : Certified Mailed ( XX/XX/XXXX ) - As a follow-up to the second dispute ; I requested specific detailed information with a specific request and outcome. I requested written verification of accuracy, in conjunction with my dispute of the inaccurate accounts. # 1. Who verified these accounts? # 2. How were these accounts verified? # 3. Provided me copies of ALL original documentation ( s ) on files such as contracts or legally binding agreements ( as proof ) with my WET signature on it correlating to the disputed accounts. If TRANSUNION is UNABLE to provide me a copy of ANY original documentation I request for these items to be REMOVED/DELETED from my Credit Report immediately. TRANSUNION has failed To provide me with any information I requested while continue to report inaccurate information to my credit file.

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 2021-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I sent a wire transfer {$1400.00} to a scammer and I did not know beforehand on XX/XX/XXXX at Wells Fargo bank. The scammer name is XXXX XXXX XXXX and she has an account at Wells Fargo as well. I have contacted the police department with a case number. Unfortunately, they said its up to the bank decision. I understand that once a wire transfer sent then it would not be possible to recall. The policy said the scammer has to accept the recall and I think this is not reasonable. It is a similar situation like when someone trying to rob me and took my wallet. And I have to get their permission to get it back. Do you think this is reasonable? Thank you.

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 2021-04-14 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: MOHELA
State: IN

Complaint narrative:
The FCRA stimulates that student loans are need based loans, they didnt view credit score when you borrowed money so why is it on a credit report its not credit based. Also, according to the federal law 15 USC 1605 ( a ) a finance charge is a " sum of all charges '' payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. So there should have no late payments in my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX
XXXX
INQUIRY  WAS PLACED ON MY NAME WITHOUT MY PERMISSION 

XXXX XXXX  XXXX INQUIRY WAS PLACED ON MY NAME WITH MY PERMISSION AMEX XXXX
INQUIRY WAS PLACED ON MY NAME WITHOUT MY PERMISSION

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX
XXXX
INQUIRY  WAS PLACED ON MY NAME WITHOUT MY PERMISSION 

CITI CARDS
XXXX INQUIRY WAS PLACED ON MY NAME WITH MY PERMISSION 


XXXX
XXXX
INQUIRY WAS PLACED ON MY NAME WITHOUT MY PERMISSION

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 2021-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
On a recorded conversation, both on there end and mine, Midland Funding agreed if I paid this debt they would remove from my credit report. This card was obtained fraudulently but I went ahead and paid the account as I am trying to clean up my credit report and was assured they would agree to remove this account. Like I said was a recorded conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC
State: NC

Complaint narrative:
This collection company, rmp Services llc have been attempting to collect a debt in the amount of {$3100.00} which has also been placed on my credit report. I have been unaware of said debt until recently checking credit reports. I have had no communication with this company nor have I received any services from this company for the company to allege that I owe them this debt. This company has failed to provide proof of services they have rendered to me. Please remove debt from any and all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I opened up a TD Bank account checking account on XX/XX/XXXX for a {$300.00} checking bonus promotion. I met the terms and conditions of the bonus ( including {$2500.00} in direct deposits ) and I still never received the bonus and it has been 4 months now. Below are the 2 direct deposits that I did. 

XX/XX/XXXX ACH DEPOSIT, XXXX XXXX XXXX XXXX XXXX TD BANK XXXX XX/XX/XXXX ACH DEPOSIT, XXXX XXXX NA PAYROLL XXXX TD BANK XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: SC

Complaint narrative:
I have called Equifax numerous times to take these 2 closed accounts off my credit XXXX consumer and XXXX These are fraudulent accounts thats are not mine and i demand Equifax to remove these accounts immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP
State: TN

Complaint narrative:
Date XXXX A number called and said we were 30 days past due on our business account credit card. We had paid the card off and even got online to check and it said nothing due account all caught up. So we said we were gon na hang up and call the bank ourselves and verify. She then gave us a number for us to call us bank but apon doing a XXXX search the number took you to a page that no longer exists. We called the bank and they verified we owed no debt and said it was a scam. We called the number back and it said thank you for calling card member services. The numbers are XXXX & XXXX. Thanks

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 2021-04-14 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$1200.00}, {$930.00}, {$920.00}, {$2400.00}, {$0.00}, {$0.00}, {$0.00}, {$940.00}, {$1800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$930.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$920.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

6. XX/XX/XXXX/XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL LOANS XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

8. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$940.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account.

Company response to consumer: Closed with explanation