vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Kelsting Group, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX Pacific Service Credit Union are both illegally reporting that I owe them for the same account. This is not the fair credit Act. Pacific Service Credit Union has paid XXXX XXXX XXXX and has reported a collections on my credit for XXXX while XXXX XXXX XXXX is also collection for the same closed account for the amount of {$8100.00}, both companies are asking for me to pay a total of {$17000.00} for the same account. This is fraud, I have disputed this, because this needs to be deleted off of my credit, and both companies denied, and want to collect two separate payments totaling in {$17000.00} for the same account that was closed in XX/XX/XXXX, which was insured with insurance for payment in the event something happened to me, and it did. I lost my child, and XXXX stated that they was not going to accept my insurance coverage on the credit card, because I was XXXX  before getting the insurance, although my child was diagnosed with XX/XX/XXXX after I enrolled and was paying on the credit card insurance. My daughter XX/XX/XXXX, I lost her, and I lost my job because of it, and when I filled out the credit card insurance medical paperwork coverage to have them pay the credit card bill thru insurance that I was paying XXXX XXXX XXXX for credit card coverage, they denied it. The refused to accept the claim to pay the credit card off. I would like these companies to remove this error off of my credit report. 
I believe that the item should be removed from my credit file. XXXX XXXX XXXX refused to accept my claim for my credit card insurance payment to pay the bill off, while I was out on XXXX for the loss of my daughter, and then I was terminated by my employer. I wrote them a letter several times explaining that. I was baby. XXXX XXXX XXXX told me that my XXXX XXXX stemmed from the diagnosis I got about my daughter 'sXX/XX/XXXX XX/XX/XXXX, but I had a XXXX & XXXX in XXXX of XXXX, and started seeing a XX/XX/XXXXdoctor, so my claim should have bene paid. My XXXX claim was for XXXX regarding, my loss of child but, XXXX XXXX XXXX denied the claim stating my XXXX is associated with the diagnosis of my child before I got credit card insurance. I have attached my proof of documentation. 
Please have XXXX and XXXX XXXX XXXX delete this off my account. I have done everything out of goodwill, medical documents to have this resolved, yet they both are trying to collect money from me on the same account, which should be illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Today on XX/XX/XXXX, I sent money to a random person who bought shoes  from me and so he gave me a check a few days ago for a large amount of money ( More than what I expected or asked for ) He said to deposit the check, keep the amount I asked for and then give him the rest of the money that was included in the check. I found out that he did that so that he could take money from me ( XXXX  ). This is 100 % a scam. I talked to my bank and they said it is the oldest scams in the book, where scammers target mostly younger children because they dont know more than adults. XXXX  was taken away from me, and I dont want another XX/XX/XXXXto be taken away as well. I filed a dispute in pay pal about this scam and they arent giving me my money back. Im very upset because I did not know I was being scammed. The recipient also put in tracking info for the shoes that is not even real. I never shipped or even created a label.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WVH, LLC
State: CA

Complaint narrative:
Simplified Revenue Recovery LLc is in violation of 15 USC 1692

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 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: MI

Complaint narrative:
I AM A RECOVERING VICTIM OF IDENTITY THEFT, AND ALTHOUGH THE FRAUDULENT ACCOUNTS WERE REMOVED FROM MY CREDIT REPORT, THE FRAUDULENT INQUIRES HOW EVER ARE STILL REPORTING ON MY CREDIT REPORT. XXXX XXXX, XXXX, XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
HELLO MY IDENTITY WAS STOLEN, AND USED TO OPEN FRAUDULENT ACCOUNTS IN MY NAME, ALTHOUGH THE FRAUDULENT ACCOUNTS WERE REMOVED, THE FRAUDULENT INQUIRES STILL REMAIN, XXXX, XXXX/XXXX, US BUS ADMIN ODA, 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 2020-11-14 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: MI

Complaint narrative:
MY IDENTITY WAS STOLEN AND USED TO OPEN FRAUDULENT ACCOUNTS IN MY NAME, ALTHOUGH THE FRAUDULENT ACCOUNTS WERE CLOSED AND REMOVED FROM MY CREDIT REPORT, THE FRAUDULENT INQUIRES ARE STILL REPORTING ON MY CREDIT PROFILE, XXXX, XXXX, XXXX XXXX, 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 2020-11-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO

Complaint narrative:
Select portfolio has Not attempted to collect they SUBMITTED A PAYOFF STATEMENT and COLLECTED {$250000.00} I DID NOT OWE.the money was returned to the title company at least twice. However without a release of the lien associated with the payoff statement it was sent back to select portfolio. In reviewing the payment history. I received XX/XX/2020. There is NO BALANCE. THIS LOAN WAS ALREADY PAID. SELECT PORTFOLIO NEEDS TO RETURN MY PROCEEDS WITH INSTRUCTIONS to release the funds to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: IN

Complaint narrative:
The first problem I had was when I was trying to dispute about a hotel charge that I didn't make NetSpend customer service told me that it was the hotel but I called the hotel and it wasn't we worked that out and now I got major issues. XX/XX/2020 I took out {$300.00} from a XXXX ATM the charge was pending even though it was took off my card then. The same day it went through and was took off my card again. XX/XX/2020 I had the same thing happen with an atm withdrawal of {$200.00}. I believe it happen more but them are the times I know of for a fact. Then the card is suppose to have NetSpend payback rewards that's supposed to be credited to your account at the end of the month they only credited me for one month and I had this card for about six months maybe seven months it's in writing and that's one of the reasons I got the card. They also let a merchant take money I didn't have in my account I only had a dollar and it put me in a negative. I tried calling but the lady took and sent me back to the call center where it was a mechanical person talking and I'm pretty frustrated with everything that's going on so could you please help 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 2020-11-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO

Complaint narrative:
Select portfolio servicing collected {$250000.00} from the closing of my house XX/XX/2020. Then returned the money without a release. The title company sent it back. I dont know where the money is from the sale of my property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 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: U.S. BANCORP
State: MI

Complaint narrative:
My checking account with XXXX XXXX XXXX was recently acquired by US Bank. When that happened they began charging me fees for ATM withdraw ( both ATM fees and international fees ). I had no such charges with XXXX XXXX. 

I signed no papers agreeing to these charges with US Bank, nor did I agree for my account to be managed by US Bank. I realize at this point that I have no choice since US Bank has bought my account but they refuse to refund more than 5 charges. Since I did not agree to these banks terms nor did I even want to be a US Bank customer I am asking them to refund all of these fees but they refuse. The fees are listed below. 

XXXX - {$8.00} XXXX - {$8.00} XXXX - {$8.00} XXXX - {$5.00} XXXX - {$8.00} XX/XX/XXXX - {$2.00} XX/XX/XXXX - {$3.00} XX/XX/XXXX - {$8.00} XX/XX/XXXX - {$5.00} XX/XX/XXXX - {$8.00} XX/XX/XXXX - {$5.00} XX/XX/XXXX - {$8.00} XX/XX/XXXX - {$5.00} XX/XX/XXXX - {$8.00} XX/XX/XXXX - {$8.00} XX/XX/XXXX - {$8.00} I would like these fees to be returned as I did not agree to these terms for my checking account. I have contacted them and they refused to refund any more than five ( returned fees not listed above ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Management Recovery Corp. (NMRC)
State: TX

Complaint narrative:
See my complaint XXXX with XXXX XXXX XXXX on XXXX. The response lists Receivable management services as buying the XXXX XXXX XXXX debt onXX/XX/XXXX. To date, I have not received verification of this debt from Receivable management services or any other company. I havent received written letters from Receivable management services too.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XX/XX/2020, I logged into PayPal.com to send my friend {$540.00}. PayPal removed {$540.00} from my bank account on XX/XX/2020 To date ( XX/XX/2020 ) PayPal has not dispersed the funds to my friend. It has responded to my queries with 1 ) Silence 2 ) Lies ( saying that my bank was holding it ). 

Transparency is important. 
Communication is important. 
Accountability is important. 

Take a moment to look at the XXXX reports on PayPal.com Take a moment to look at the social media feed on PayPal.com It routinely exploits and abuses American consumers. 

At this point, I will have to find another way to send my friend money. And a way to retrieve my original send from PayPal 's holdings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
Someone has created a fake account with my email on XXXX. I keep getting email telling me to verify my account. And that my account a has been verified!!!! Apparently XXXX does not have a support service. I opened the email to find out its some type of bank card! I NEED THIS REMOVED ASAP! Someone is committing fraud under my Email ( XXXX )! Wouldnt surprise me if they are using my name too!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America has not been able to reconcile my Mortgage Escrow. They increased my payment amount without being able to provide a reasonable explanation for the increase. Multiple representives/Managers/Executives said they would " correct '' the overcharge, and have failed to do so. 

I sent them multiple emails stating I was not authorizing the additional payment, while I was disputing the amount, and they continued with the withdrawal. They also initiatied a cancelation of my escrow completely, after I advised them I did not want that option. 

During the majority of the phone calls they did not provide the " recording disclosure '' until I asked deep into the conversation if it was being recorded. 

It typically takes 30-90 minutes to reach a representative and each time they were not able to correct the 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 monetary relief
Consumer complaint received 2020-11-14 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: Shellpoint Partners, LLC
State: MA

Complaint narrative:
Good Morning, I have a Mortgage with Shellpoint Mortgage and I owe under {$4000.00}. I make Bi weekly payments that get automatically taken out .In the month of XXXX the way the payments fell I was going to have three payments taken out that month. I called Shellpoint and asked them to not take out the third payment in XXXX because I would have overpaid, and to continue in XXXX. What happened next was that unknown to me, Shellpoint had mistakenly removed me from the autopay all together and when I receive a letter stating that I was late with my payment. I called them and told them I was not late that I have automated bi weekly payments taken out. They advised me that for XXXX my payments were not deducted. I made a payment of XXXX on XX/XX/XXXX and a second payment on XX/XX/XXXX for the same amount and was told I was not reported to the credit bureau because my husband is very sick and they had documented that. I payments have been on time and i have been working very hard to have a Good Credit score. I am back on the bi-weekly and am not at fault of this misunderstanding. Even my husbands credit was affected and his credit was in the 800 's and now has dropped to the 700 's .This is very unfair, and after multiple call 's and getting different agents and stories I decided to get help here. They also lied that they tried calling me 4 times a day. Who does that? Please Help us we pay our bills and our Credit scores mean everything. Thank you so much for your time. XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 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: IL

Complaint narrative:
filed several reports ftc report police report XXXX  and XXXX  complied with the laws and removed all negative items that where requested equifax still show these requested items on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc. (FL)
State: FL

Complaint narrative:
There are two accounts on my credit report which were medical bills and I never received a statement for the credit agencys name is AR resources. I spoken to the original debtor and was told these were medical bills from 2014 at which time I had insurance and they failed to bill the insurance. XXXX  from Florida which the hospital had on file at time of service and the medical group did not. But I received no notice or phone call from either party. At this time they have tarnished my credit and I should not be penalized if they did not do their job in a timely fashion. I would like to have these items removed from the credit bureaus as soon as possible. Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 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: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
Im a victim of identity theft and there are several hard inquiries on my report that I have no knowledge of applying for

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 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: General Motors Financial Company, Inc.
State: AL

Complaint narrative:
Im a victim of identity theft and there are several hard inquiries on my report that I have no knowledge of applying for

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 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: 21ST MORTGAGE CORP.
State: AL

Complaint narrative:
Im a victim of identity theft and there are several hard inquiries on my report that I have no knowledge of applying for

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIRST MERCHANTS CORPORATION
State: MI

Complaint narrative:
On XX/XX/XXXX, I reached out to first merchant banks customer service to close my account, I was told I have to go to a branch to close it. The nearest branch is 1.5 hours drive from me. 

I called the branch trying to close my account, was told I will need to mail the branch a notarized letter as well as a copy of my ID to close my account, which means Ill need to risk COVID to get a notarized letter. 

Today I learnt online that other people closed their accounts by calling their branches without issue. I do not believe this is fair. 

In addition, my account had a {$15.00} fee because I couldnt close my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: PA

Complaint narrative:
Checked my credit report, and saw that there was a new debt in collections from ONLNNFOXXXX. Never recieved anything in the mail pertaining to this, nor do I have the slightest clue as to where this is from. Have no clue who else to contact about this. But I believe this was done without my knowlege and / or approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Identity theft has allowed someone to open several fraudulent accounts that have went to collections. This unfortunate circumstance has effected my life in more ways than one. This needs to be removed from my credit report within 7 days.

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 2020-11-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: QuickClick Loans of Illinois, LLC
State: GA

Complaint narrative:
I spoke to XXXX XXXX of brook wood loan who agreed to settle account in full for {$450.00}. After back and for communication, XXXX accepted payment and agreed to delete in totality from repository. 

Upon checking my XXXX, this account is still showing derogatory. 

I'd like to request that brookwood loans honor agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 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: NJ

Complaint narrative:
Identity theft has allowed someone to open several fraudulent accounts that have went to collections. This unfortunate circumstance has effected my life in more ways than one. This needs to be removed from my credit report within 7 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 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: CORELOGIC INC
State: AL

Complaint narrative:
Im a victim of identity theft and I have multiple hard inquiries for accounts I do know have and not aware of applying for

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