vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently saw a copy of my credit file and was shocked to see the mortgage reporting inaccurately. I was NOT late XXXX or XXXX with XXXX XXXX. 

I also thought due to the cares act if you needed help XXXX it wasn't to show late payments. Why isn't this being followed? My report shows late XX/XX/21, XX/XX/21, XX/XX/21 and I was NEVER late XX/XX/21 and XX/XX/21 Please help get this corrected. I disputed and nothing has happened

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
XXXX XXXX has been in business for over 30 years and we have been a PayPal customer using their payment platform as an option to our customers for many years. We are a small company with XXXX employees. 

In XXXX, PayPal started withholding our funds without notice. Again, there was no notice that they would hold our funds which I am not sure they can legally do. They are holding 62 % of our revenue which is obviously crippling to a small business. With the amount that PayPal makes off of their astronomical fees that they take out of each transaction, this is absolutely appalling. 

PayPal also has a history showing our spikes in sales to prove that these are common and funds have never been held before. I have reached out to PayPal over 8 times in the past 3 weeks. They refuse to transfer me to the department that reviews holds, they continue to deny my review of the account for releasing the hold, and the employees that I have spoken with have continued to tell me that there is nothing that I can do. 

PayPal is holding our monies hostage and are not giving us, the customer, a way to have it released in a timely fashion. It is absolutely horrendous that a large corporation can hold a small company hostage and no one can assist. The unscrupulous practices of PayPal need to be reviewed and they need to be held accountable, not just for us, but for all of their customers who trusted them to act as a company with integrity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I'VE BEEN A VICTIM OF IDENTITY THEFT AND HAVING ISSUES WITH THE CREDIT BUREAUS CORRECTING THESE MISTAKES ON 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 non-monetary relief
Consumer complaint received 2022-01-26 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: PA

Complaint narrative:
I'VE BEEN A VICTIM OF IDENTITY THEFT AND HAVING ISSUES WITH THE CREDIT BUREAUS CORRECTING THESE MISTAKES ON MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: MARINER FINANCE, LLC
State: GA

Complaint narrative:
Mariner Finance appeared on my consumer report without my consent, in which I have no account with them. So they are bring down my XXXX score because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX reported me. in XXXX of 2020, 90 days late on TEN Accounts without written, telephone or email notification. 
Attached is a letter describing the events. The letter was sent to XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
On XX/XX/2021 I sent a certified letter ( XXXX ) to Santander Consumer for them to remove this inaccurate account on my credit report. They never responded which is a violation. Furthermore, the continue to report inaccurately on my report. I am part of a class action lawsuit with Santander where the practiced predatory loan practices in the State of PA. Santander agreed to remove all loans from consumer credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
We had the exact same scam but we lost over {$3.00} XXXX in total. 

We are operating on XXXX XXXX and he has a browser in it to use dapps he is a listed company and is also regulated by the US government I don't know why he can allow fraudulent links to use on his platform this is his Vulnerability and now many people have been victimized. 

My friend was in the UK and then I was in XXXX and we were defrauded of {>= $1,000,000} in total. I'm pretty sure there must be XXXX people in this scam group because their customer service can speak XXXX. His authenticated link appears on his trading platform and his own link has no way of being on it. 

I hope you can work with the FBI or the Coinbase platform to help us get back the lost funds, or I think Coinbase needs to be responsible for this bug because it's really his bug 1. My first money of over {$250000.00} was transferred on XX/XX/2021 2.They moved all the money from my wallet because of the smart contract 3. XXXX This address is where this XXXX was transferred Later, their fake customer service gave me another XXXX because they said they needed to be forced to pledge. 

XXXX XXXX I transferred more than XXXX and XXXX to these two addresses respectively, but they did not show in the wallet records because he said that we need to apply for an exclusive channel and then gave us the address directly. But others took it back, so I can't see it now. 

Currently my own account has almost XXXX in it my friend 's account he will submit to you himself. 

Below I also attach the conversation with their fake customer service with me. 
I'm in XXXX and I'm pretty sure their main location is in the US so would like to ask you to work with the FBI and help us recover the stolen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Direct Mediation
State: TN

Complaint narrative:
First Direct Mediation contacted me on the behalf of XXXX XXXX XXXX. He told us that the debt collection agency that had it tried to contact us for almost a year. We havent received a letter. We were in the process of getting XXXX XXXX added to a XXXX plan. We are trying to get back on track. 2020 really hurt us. We wanted to try a XXXX plan before bankruptcy. I informed him of that. He then told me XXXX XXXX was going after us for theft by deception, fraud, etc. when that is not true. We had loans with them and paid them off several times. We just got stuck in hard times during covid and pay reduction. But like I said. We wanted to do a XXXX and pay our debt back. He told me that it didnt matter that even if I filed bankruptcy the debt could not be discharged which I was told is completely false. So I canceled adding them to my XXXX and set up a high amount payment plan with them. I feel like he tried to scare me into setting up a plan with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I called to National Credit System to get a discount and the answer I got was rude and they said I had to pay the bill for the maximum amount. I didnt have right to call to negotiate ; either it paid everything or didn't call then. The proof that they sent me that the collection debt was mine, was an apartment inspection paper and that they could not contact me. I still kept the same email and i kept the same phone for 1 year, I asked for a copy of the contract or email that the apartment complex try to contac to me to see the veracity and they refused. 
I spoke that time with a XXXX XXXX costumer service and when I called back to talk with someone else they said here we dont speak XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
received a bill XX/XX/XXXX stating i owed {$500.00} dollars, no explanation of charges or what services were rendered or who originated them, i sent a couple of notes back to this person asking what the charges were for, no answer, finally i wrote on the bill if i didn't receive any information what the {$500.00} was for i would consider it a fraudulent bill, or more likely a scam, and don't send any more bills, they kept coming no explanation of what the charges were for, later received a communications from a collection agency sayin i now owed them {$500.00} no explanation of what the charges were for or who originated them, collection company was " express recovery services '' i then wrote them back stating i considered ti to be an invalid bill but would would be happy to pay the {$500.00} if they provided me the following information,, an itemized bill including the following : -service or merchandise that was provided -exact procedure that was performed -who performed the procedure -location of procedure -date and time of the procedure -reason for procedure i received no information whatsoever concerning this request later I received a letter from a so call attorney stating he was representing express recovery services, i again asked for the above information and received nothing. Concerning what the charges were for, enclosed with a second letter was a partial statement from some one unidentified showing i had paid them {$500.00} plus my insurance had paid them {$620.00} on the front of this statement they had written in paid {$400.00} in addition to that already paid, but nowhere was there any reference to me owing them {$500.00} i finally figured out who the originator of the debt was " XXXX XXXX XXXX '' where i had XXXX XXXX done in XXXX of XXXX, but i had never received a bill from them and verified everything had been paid, shortly there after i got a summons from the court i was being sued for the {$500.00} plus some additional charges the lawyer had arbitrarily added, i still was not told what the charges were for, i Don't know why they wouldn't explain the charges but i suspect they didn't know possibly because there was no record. 

i did pay the {$500.00} plus another {$120.00} for whatever because i was afraid of having a judgment against me, this has now effected my credit score. i didn't even know they were reporting this to them, i feel this whole thing has at best been a misunderstanding but more likely a way to use intimidation to get me to pay, as an XXXX XXXX XXXX i feel this is an attempt at elder abuse and should be treated as such i can provide added documentation if required

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: World Acceptance Corporation
State: SC

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: FL

Complaint narrative:
I opened a dispute with Transunion about an account that has been paid in full and it is no longer a debt under my account. I sent Transunion a creditor letter with all phone numbers and contact information of the account in dispute, showing that the account has been satisfied and paid. 
A week later, XX/XX/2022, Transunion sent me an email saying that the " Dispute '' was resolved. and Verified as Accurate. Transunion left the account showing a debt as I have never paid it. They said that they Verified it as Accurate, and that is a lie, due to the fact that the creditor offered a Paid Off Letter and still did not update my account and TRANSUNION lied about it saying that they verified it as accurate. 

I want this information to be deleted from my account, per FCRA, and Transunion furnishing False information affecting my consumer report showing inaccurate information on it. I am attaching letters of creditors and also the letter from Transunion lying about verifying the account as accurate.

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 2022-01-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent Experian Multiple documents that they requested i needed to send them that were related to identity theft. I did everything that was asked to submit and they have not addressed the problem and haven't removed the account. they give me responses that doesn't pertain to identity theft. I dont know what else to do. this is causing harm, frustration. 
Please delete the fraud accounts immediately 1.XXXX XXXXXXXX 2.XXXX XXXXXXXX XXXX- XXXX 3. XXXX XXXX XXXX XXXX 4.XXXX XXXX XXXX 4.XXXX  and this fraudulent inquiry 1. XXXX XXXX  XXXX XXXX XX/XX/2021 I never gave XXXX XXXX XXXX XXXX  to look at my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is for Boa XXXX claim number XXXX. 

My Bank of America XXXX account associated to card number xxxx ( the card that receives the unemployment insurance and Pandemic Unemployment Assistance XXXX from XXXX ) got hacked, and {$35000.00} funds in the card got transferred out without my permission from XXXX, a total of 7 transactions. I noticed the {$0.00} balance in XX/XX/21 and reported it the same day. 

The fraudulent transactions show " Direct Deposit Funds Transfer to checking/savings '', and the fraudulent account is a checking account ending # XXXX, the routing number is XXXX. This account was added to my account by the hacker. 

The same fraud has already happened one year ago reported by local TV news station XXXX, the same thing is still happening again and again. BoA had done nothing to prevent it from happening. 

BoA XXXX account lacks of 2 way verification so anyone who got your bank account login name and password is able to login and change all the personal information. In our case, the hijacker went in there, changed the email and phone number, we did not receive any notification about that from the banking system. Then this person went ahead attached some account and transferred all the money out.

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 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I was taken advantage of due to malpractice while SEVERAL laws have been broken under the FCRA by your company. This has cause financial injury, defamation of character a loss of my security clearance, I cant apply for credit and in a hotel because im unable to secure rent. Ive placed fraud alerts on my account theres countless inquiries I didnt do 2 fraudulent credit cards which dont belong to me that havent been verified and the burueas have made a mockery of my reports. I wasnt even able to obtain an XXXX loan during the pandemic while trying to secure funding for my business I created due to the fact that I couldnt get hired into my field of study because it requires a clearance.

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 2022-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: NV

Complaint narrative:
XX/XX/2020 someone stole my identity and rented cars from XXXX, XXXX, and XXXXXXXX XXXX the police caught the person in the rental car and XXXX prosecuted the person and worked with the detective on my case XXXX XXXX is the offer number who worked the case and almost 2 years later XXXX sends me to collection trying to collect a debit that I do not owe

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2021 I sent a certified letter ( XXXX ) to XXXX XXXX for them to remove this inaccurate account on my credit report. They never responded which is a violation. Furthermore, the continue to report inaccurately on my report. I am part of a class action lawsuit with XXXX where the practiced predatory loan practices in the XXXX of XXXX XXXX XXXX to remove all loans from consumer credit reports.

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 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2021 I sent a certified letter ( XXXX ) to XXXX XXXX for them to remove this inaccurate account on my credit report. They never responded which is a violation. Furthermore, the continue to report inaccurately on my report. I am part of a class action lawsuit with XXXX where the practiced predatory loan practices in the XXXX of XXXX XXXX agreed to remove all loans from consumer credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/2021 I sent a certified letter ( XXXX ) to XXXX XXXX for them to remove this inaccurate account on my credit report. They never responded which is a violation. Furthermore, the continue to report inaccurately on my report. I am part of a class action lawsuit with XXXX where the practiced predatory loan practices in the XXXX of XXXX XXXX agreed to remove all loans from consumer credit reports.

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