vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-07 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: Westlake Services, LLC
State: SC

Complaint narrative:
There are 2 listing of the same account reporting on my credit reports for Western Funding Inc. I've contacted contacted company numerous times to have this issue resolved and get no solution. Both accounts show the same inaccurate information, a delinquent account for {$7700.00}. It's a duplicate account. 

XXXX XXXX XXXX XXXX. XX/XX/XXXXXXXX XXXX XXXX, NV 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 2021-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Renton Collections Inc.
State: WA

Complaint narrative:
In XX/XX/XXXX i recieved a collection notice and harrassing phone calls from Renton Collections since I HAD never received a bill for any debt ... ... 
I contacted the creditors listed on notice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wa XXXX.. who uses a billing service called XXXX. 

XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX Spoke to a representative named XXXX The biller did not get the insurance information and in fact HAD the wrong home address for me in order to even send the bill .... 
XXXX XXXX evidently did not secure that information from the Hospital ... .although insurance and myself were successfully billed by hospital and other contracted service such as lab work. 
I corrected the information with XXXX whom then told me XXXX would in fact pull this item out of collection since this was in error. 
In XX/XX/XXXX, I received yet another call from collection and notice I informed on call this was taken care of as insurance was just billed in XXXX. Again I called XXXX who went over my account said yes this was supposed to be PULLED out of collection we reviewed that all information was correct. and confirmed a phone # for my insurance and was assured this situation was taken care of. 
In XXXX I received an explanation of benefits showing MY insurance DID in fact pay this bill to make sure i did not owe any i waited 2 weeks and called XXXX a third time they assured me it was PAID IN FULL and was NOT in collection. 

In doing End of year financial items i see a derogatory mark on my credit reports for FULL amount plus interest from XXXX of {$1100.00} plus interest from Renton Collection. 
How do i owe something already paid and confirmed by my insurance carrier? 

I sent a letter informing Renton Collection that this is in FACT paid in full and if they have an issue to contact XXXX XXXX emergency medicine or biller XXXX. 

Today XX/XX/XXXX I received not one but 2 bills for {$1200.00} dollars a bill I DO NOT OWE. 
I want this corrected and any mark taken off my credit record. 
This is illegal going after a bill that has been PAID in Full

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: Mar Joe Enterprises
State: WA

Complaint narrative:
I saw a new doctor at XXXX XXXX and XXXX XXXX in XX/XX/XXXX and filled out a new patient form including the address where I've lived for 15+ years. XXXX XXXX XXXXXX/XX/XXXX, XXXX, repeatedly sent the bill and all the past due notices to an address I lived at 17 years ago.Then when I never got the bill because they sent it to wrong address, they turned me over to collections and ruined my FICO score, dropping it from the XXXX into XXXX. They also ruined my future plans to move and buy a new house and car since my credit is now wrecked. 

I made their office aware of this mistake on XX/XX/XXXX and have heard nothing back from them. I spoke to XXXX XXXX, billing manager. I dropped off a packet with a cover letter with copies of the billings that were sent to the wrong address, saying I expected them to correct their error but no one has responded. I have hired an online law firm that specializes in credit problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: SC

Complaint narrative:
I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY 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 2021-01-07 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'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: OH

Complaint narrative:
A company named XXXX XXXX XXXX placed a collection account on my credit reports for XXXX, XXXX, and Experian. The amount stated as past due was {$970.00}. The claim for this debt apparently originated with a company called XXXX  XXXX XXXX which appears to be a pay day check cashing company. 

I am the victim of identity theft. The item I am disputing is not a transaction that I have made or authorized. I have never done business with XXXX XXXX XXXX or XXXX  XXXX XXXX in my life. Neither company has ever contacted me about any transaction or problem. I have never used a pay day loan and no check or electronic withdrawal has ever been submitted to my bank account by these companies. 

There is no way they would have a legitimate check or other financial document from me since I have never done business with them. Any signatures would be fraudulent and could be compared to my real signature. My tax return information was stolen in a hacking incident several years ago and someone attempted to file for an IRS refund in my name. The information stolen included a bank account number, but I closed that account after that incident. 

Experian did not make any changes to my credit report. They said XXXX XXXX XXXX said it was accurate information. The reviews by XXXX  and XXXX  are pending.

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 2021-01-07 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I would like Navy Federal to provide me with their policy for deferments which are offered to members who experience hardship allowing them three months of relief. In particular I would like Navy Federal to provide me with their policy on credit reporting in terms of deferments because I have 3 errors on my credit report for XXXX, XXXX, and XX/XX/2019 which are impacting my credit score. I was not provided with any documentation or notified how these policies would impact my credit reports with the bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc

Complaint narrative:
Dear Sir/Madam I'd like to make a new complaint but there was no similar case so i will tell you here. 

I used Paypal XXXX ( Online payment service ) service but one day they emailed me that My Paypal account is permanently limited. 

They told me, I did not follow their regulation so they will hold my fund for 180days but after 180days they did not release my fund and just took it from my account. Total amount is USDXXXX approximately. 

I can not believe why this is happening. I called their customer center and finally they told me my fund ( USDXXXX XXXX is transfer to Paypal as damage fee. 
I can not understand and this is criminal. Pls help me to correct this issue. 

Attachment Paypal email 1,2 : This email is showing that my account is permanently limited and hold my fund 180days. 

Paypal Login : This screen i can see when i log in Paypal. 

Paypal transfer money : Paypal took my money without notice. 


I am not sure if this is right place but I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: IL

Complaint narrative:
ProCollect attempted to collect on a debt that was not valid and never sent me notice that the debt collection process had started. They also reported this to all the major credit agencies without any notice to me. I only found out about the claim on a regular credit report check on XXXX. I never received any communication from the creditor ( landlord ) or ProCollect that there was a claim. The creditor has since admitted in writing that the claim was submitted in error and that I in fact owe no money and never did. 

ProCollect never verified the claim before filing the issue with the reporting agencies.

ProCollect submitted the claim to the reporting agencies and my credit score has dropped from over XXXX to XXXX foley due to this. This has been devastating to my financial health and it was all in error. 

I have all the supporting documentation that I was never late on a payment, am paid in full, and that the claim was submitted in error. All documentation has been submitted to the collector as well.

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 2021-01-07 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: NY

Complaint narrative:
I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY 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 2021-01-07 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: NY

Complaint narrative:
I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Block, Inc.
State: FL

Complaint narrative:
My husband purchased a gift card through Square for our children. Our children can not access the funds. We tried to contact Square to fix the problem but we can't reach any department.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I submitted a dispute with the company win XX/XX/2020. The company has failed to respond and I am suffering undo stress. I am a victim of identity theft. The total sum of the debt is {$820.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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:
he accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX  XXXX Account Number XXXX XXXX  XXXX  Account Number XXXX XXXX XXXX - FCRA Violation XXXX Multiple fcra violations XXXX XXXX  XXXX XXXX, XXXX Employer ( s ) XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX, TX, 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 2021-01-07 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:
he accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX  XXXX Account Number XXXX XXXX  XXXX  Account Number XXXX XXXX XXXX - FCRA Violation XXXX Multiple fcra violations XXXX XXXX XXXX XXXX, XXXX Employer ( s ) XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX, TX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Dear Credit Bureau Representative, I recently reviewed a copy of my credit report on XX/XX/XXXX and noticed XXXX inquiries that were unauthorized, inaccurate, or made in error. 
The following inquiries are impermissible : 1. XXXX XXXX XXXX XXXX XXXX  2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 6.XXXX XXXX XXXX XXXX XXXX 7. XXXX XXXXGa, XXXX XXXX XXXX  8. XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX XXXX 10. XXXX XXXX  XXXX XXXX 11.XXXX XXXX XXXX XXXX XXXX XXXX 12. XXXX XXXX, XX/XX/XXXX 13. XXXX XXXX XXXX, XX/XX/XXXX 14XXXX XXXX XXXX XXXX XX/XX/XXXX 15. XXXX XXXX XXXX  XX/XX/XXXX 16. XXXX XXXX XXXX, XX/XX/XXXX 17. XXXX XXXX  XX/XX/XXXX 18. XXXX - XXXX XXXX XX/XX/XXXX 19. XXXX XXXX, XX/XX/XXXX 20. XXXX XX/XX/XXXX Please remove these inquiries from my credit report immediately. 
Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull my credit Please also attach documentation to support the verification of these claims.

Thank you for your prompt assistance with this matter.

Sincerely XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-07 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: Paypal Holdings, Inc
State: MO

Complaint narrative:
Dear Credit Bureau Representative, I recently reviewed a copy of my credit report on XX/XX/XXXX and noticed 20 inquiries that were unauthorized, inaccurate, or made in error. 
The following inquiries are impermissible : 1. XXXX XXXX, XX/XX/XXXX 2. XXXX XXXX, XXXX XXXX 3. XXXX, XX/XX/XXXX 4. XXXX, XX/XX/XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX 6XXXX XXXX, XX/XX/XXXX 7. XXXX XXXX, XX/XX/XXXX 8. XXXX XXXX, XXXX XXXX 9. XXXX XXXX, XX/XX/XXXX 10. XXXX/ XXXX, XXXX XXXX 11.XXXX XXXX  XXXX XXXX XX/XX/XXXX 12. XXXX XXXX, XX/XX/XXXX 13. XXXX XXXX XXXX, XX/XX/XXXX 14XXXX XXXX XXXX XXXX XX/XX/XXXX 15. XXXX- XXXX  XXXX, XX/XX/XXXX 16. XXXX XXXX XXXX, XX/XX/XXXX 17. XXXX XXXX  XX/XX/XXXX 18. XXXX - XXXX XXXX, XX/XX/XXXX 19. XXXX XXXX, XX/XX/XXXX 20. XXXX, XX/XX/XXXX Please remove these inquiries from my credit report immediately. 
Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull my credit Please also attach documentation to support the verification of these claims.

Thank you for your prompt assistance with this matter.

Sincerely XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: GA

Complaint narrative:
I sent a debt validation letter to this company XX/XX/XXXX. They have failed to validate and it is now XX/XX/XXXX. In results they have removed but added it back under a different name but same address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I submitted a dispute with the company win XX/XX/2020. The company has failed to respond and I am suffering undo stress. I am a victim of identity theft. The total sum of the debt is {$690.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
I have a Bank of America Credit Card. 
On XX/XX/2020, a charge appeared on my card for a transaction that was not done by me. I never used the card to purchase from the merchant. 
I raised the dispute on XX/XX/XXXX and A temporary credit was provided for the amount ( - {$53.00} ) on XX/XX/XXXX saying that we will research the issue. 
On XX/XX/2020 Bank of America put 2 charges back ( Fraud Dispute + {$53.00} ) and Duplicated the Merchant Transaction ( + {$53.00} ), charging twice for the Merchant Transaction where the credit was given only once. 
I talked to the bank and asked the reason for putting up charges back, and got to know that Merchant claiming it as a valid transaction whereas when I talked to Merchant in XXXX and again in XXXX, Merchant agreed that the transaction is fraudulent and I should ask the Bank to reverse the charges. 
On XX/XX/2020 after chasing the bank and customer care for almost 15-20 hrs Bank agreed ( in a letter sent to me and a Call from the Credit card Department ) and sent a letter saying the dispute is resolved in my favor, both the charges made on XX/XX/2020 will be reversed ( Credit will be provided ). But to my surprise instead of providing the credit another Fraud Dispute charge is put on my account ( + {$53.00} ). 
After talking to the bank for almost 20 hrs, the bank admits it as an accounting error ( 3rd time ) and assured me this will be reversed.

Bank Reversed the charges that were duplicates but did not provide me the original credit of ( - {$53.00} ) even after they admit the mistake to date. I am frustrated, stressed, and gave up on the bank process as no one listens. I even escalated to the CEO of the bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I submitted a dispute with the company win XX/XX/2020. The company has failed to respond, and I am suffering undo stress. I am a victim of identity theft. The total sum of the debt is {$52.00}.

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