vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-25 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:
I reviewed my credit report and noticed a few accounts on it that are not mine

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 2021-05-25 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: NJ

Complaint narrative:
I reviewed my credit report and noticed a few accounts on it that are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: MI

Complaint narrative:
I recently received a credit line increase on my XXXX credit card. It went from XXXX to XXXX. I was recently alerted that my credit rating was lowered because my limit was decreased, which is false, and it placed me over the limit. I loss points that I desperately worked so hard to obtain only for the information to input incorrectly by someone. Equifax refuses to fix their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Arcadia Holdings, LLC
State: PA

Complaint narrative:
I Disputed this debt with Arcadia a few times and I am very displeased with my results. They have never sent me anything in the mail at all, yet continue to report debts on my credit. I have respectfully requested information as to why, and since I am a consumer, it is my right to identify the debts. They have failed to produce any reason at all for why they are on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: Block, Inc.
State: LA

Complaint narrative:
On XX/XX/21 I had {$520.00} sent to my cash app account I went to go remove the money and it was declined. And since this date I have been contacting cash app support at least 3 times a week to get help and NO ONE will help me. I have been hung up on agent and Supervisors. I have been promised call backs about this issue and promised emails back. BUT NOTHING IS BEING DONE. I received an email back on XX/XX/21 saying that this was for my protection and that it was resolved and to continue to use my card, BUT IT WAS NOT! My money is still sitting in this cash app account and no one at cash app will tell me what is going on or why this happened or anything they just pretty much took my money and will not help AT ALL!! I understand this was done for my protection but now I have verified everything and now I havent done ANYTHING WRONG EXCEPT FOR TRUSTING IN A COMPANY LIKE CASH APP NOT TO STEAL MY MONEY!! I keep getting emails saying rate your experience which I do reply to saying what experience I was told I would get a call back or email back but never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: KS

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I deposited 3 XXXX XXXX money orders for a total of {$1800.00}. The next day Fifth Third took money from my account leaving me with a negative balance. When I called to ask about it, they said not to worry, the balance would restore within 24 hours and the money orders from XXXX XXXX would clear. 

It has been almost a week and Fifth Third is claiming via telephone call that XXXX XXXX money orders could not be processed. There were no errors on the money order, this is age, gender, and race discrimination. Valid money orders should not be declined by the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: KS

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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:
late not true : FCRA violations send proof of it or remove it : XXXX XXXX XXXX - Closed 1 late payment Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Mortgage Balance on XX/XX/XXXX Loan Amount - {$420000.00} Payment Info Status Account renewed or refinanced Status date XX/XX/XXXX XXXX XXXX - Closed 1 late payment Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Lease Balance on XX/XX/XXXX Loan Amount - {$16000.00}

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 2021-05-25 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:
late not true : FCRA violations send proof of it or remove it : XXXX XXXX XXXX - Closed 1 late payment Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Mortgage Balance on XX/XX/XXXX Loan Amount - {$420000.00} Payment Info Status Account renewed or refinanced Status date XX/XX/XXXX XXXX XXXX - Closed 1 late payment Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Lease Balance on XX/XX/XXXX Loan Amount - {$16000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
To Whom It May Concern, This complaint is dealing with Chrysler Capital ( Account # XXXX ). My vehicle was paid off XX/XX/2021, Chrysler Capital received the check-in or about XX/XX/2021. Chrysler is still attempting to get me to make payment on an account that has been 100 % paid off to this current date. I have spoken with Chrysler customer service ( XXXX ) multiple times and acknowledged receiving and processing the payment. Chrysler has not updated my online account nor credit report showing the vehicle has been paid off ; however, they continue to call me attempting to collect on a debt that is no longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
XX/XX/2021 I mailed letters to XXXX  XXXX, and XXXX Also, the collection companies Wakefield & Associates, XXXX, and XXXX XXXX XXXX for the violations of the HIPPA Law and Privacy Act. I requested validation and a written consent to release any medical information. Also, any written consent to even put these accounts on my consumer reports. I have not received any response from any of the Collection Companies on the accounts and its been over 30 plus days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of XXXX and XXXX and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: IN

Complaint narrative:
Back in XXXX of 2021 My fianc and I went through the pre-approval process for a first mortgage. XXXX  and XXXX came back normal on the credit pull, but my Equifax score came back fraudulent. I have a master card with XXXX XXXX XXXX that should be reporting to Equifax. I called customer service numerous times in XXXX, faxed the necessary documents ( Social security card, drivers license, pay stub, and bank statement showing my loan and social security number ) to Equifax twice. Each time I got a card in the mail sating I had no Credit History. We then spoke with the VP of lending at my bank. He told us the Bank was not reporting my credit info to Equifax. He did an emergency report on XX/XX/XXXX, which was blocked as fraudulent. Based on conversations he and I had with customer service it appears someone else is incorrectly reporting to my social security number and I have no credit history due to the inability of my card to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: MO

Complaint narrative:
XX/XX/2021 I mailed letters to XXXX, XXXX, and XXXX Also, the collection companies XXXX XXXX XXXX, Capio, and XXXX XXXX XXXX for the violations of the HIPPA Law and Privacy Act. I requested validation and a written consent to release any medical information. Also, any written consent to even put these accounts on my consumer reports. I have not received any response back from the Collection Companies the accounts and its been over 30 plus days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-25 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
To whom it may concern, on XX/XX/2021 I attempted to pay my credit card bill at the bank of America atm located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX. I inserted 30 XXXX XXXX XXXX bills totaling {$300.00}. The atm machine stated that we apologize for the inconvenience we are unable to process your request & unable to return items. Since then, only {$180.00} has been credited to my account which isnt nearly what I deposited. There is a camera at that atm machine. The footage needs to be pulled along with the bank logs. I have been unable to make an appt at the branch or get in contact with anyone. This has gone on far too long. I have filed a complaint with theXX/XX/XXXX & intend on filing one with the CFPB. Since being a customer, I have never made a payment that minimum. We are in a pandemic and those funds can go towards me taking care of my family. Your financial institution has become negligent and simply have ignored my concerns. This situation needs to be rectified immediately. I have wasted countless hours contacting BOA to no avail of them fixing this issue. Please advise next course of action. Please find attached atm screenshot and transaction ticket from atm.

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 2021-05-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
Navient is the lender handling 2 of my private student loans after they were sold by Sallie Mae. I have been with this lender since XXXX, much to my disliking. Navient has routinely changed my loan terms, payment terms, and enrollment status without any written notification. Most recently, my payment for XX/XX/XXXX went from {$20.00} and change to roughly {$130.00} without any notice. I am currently enrolled in graduate school and have relied on budgeting to maintain my expenses. I did not account for a {$110.00} hike in my payment this month and this is not the first time they have done this. They have also completely skipped taking my automatic payments, without any explanation with can also change my loan terms. How can they decide that one month a payment isn't needed and another that it should be {$130.00}? 
I don't understand how a company can make these changes without directly informing the consumer, especially when that person is in school. How they can take my payments and not appropriately address them to principal & interest and how they are able to " extend '' out loan repayment terms. Another loan I have with them has ebbed at the $ XXXX mark, it's principal amount, and still shows that at {$25.00} a month it will be paid off by XXXX. This is almost like borrowing from a loan shark. Please look into them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: CT

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX opened a collections account in my name which I had only learned about through a credit alert and my credit score dropping significantly. I had learned it was a collections account for XXXX XXXX XXXX mobility in the amount of {$1900.00}. I contact XXXX XXXX XXXX multiple times on both email and by phone and after about two weeks they responded they had no such account on file. I contacted XXXX XXXX XXXX  by phone and they had no record of an account in my name ( I have also never been an XXXX XXXX XXXX customer previously ) I opened a fraud alert with XXXX and they contacted XXXX XXXX solutions, XXXX was able to have the fraudulent account removed from my report on XX/XX/XXXX. Fast forward to today, XX/XX/XXXX, I noticed my credit score dropped by 56 points. A new collections account was opened by Sunrise Credit Service in the amount of {$1900.00} for XXXX XXXX XXXX XXXX on XX/XX/XXXX for the same account number. I also never received any notifications, emails, or alerts for this collections account. I opened another fraud alert through XXXX  and the Fraud specialist advised i report this new incident through FTC.gov.

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 2021-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Resolution Corporation
State: MO

Complaint narrative:
XX/XX/2021 I mailed letters to XXXX XXXX, and XXXX. Also, the collection companies XXXX XXXX XXXX, XXXX, and Account Resolution Corporation for the violations of the HIPPA Law and Privacy Act. I requested validation and a written consent to release any medical information. Also, any written consent to even put these accounts on my consumer reports. I have not received any response for none of the collection accounts and its been over 30 plus days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
someone opened the online account under my name in XX/XX/2018 now the account have balance of {$960.00} in XXXX XXXX XXXX XXXX XXXX. I contacted them and they don't want to admit it was their mistake opening the account without verifying my identity first

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX my bank XXXX XXXX XXXX sent a payment to comenity bank for my bjs credit card. The payment was for {$4200.00}. On XX/XX/XXXX it was cashed by comenity and taken out of my checking account. On XX/XX/XXXX, I got an email from bjs showing my bjs bill was {$4500.00}! I called up comenity and they say they never received payment but it was taken out of my account! I went to my bank XXXX XXXX XXXX and got a copy of my check front and back showing it was cashed by comenity. I called again comenity and was passed around until I was told to make a dispute and send the copy of the check which I did. I call everyday and was told they will not credit my account until the dispute is resolved! They say it could take up to 60 day! Can they do this? I feel this is ILLEGAL! THEY CASHED THE CHECK. THEY GOT THEIR MONEY! Can you help me please.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-25 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: United Shore Financial Services, LLC
State: ID

Complaint narrative:
My mortgage account with United Wholesale Mortgage was paid in full on XX/XX/2020. It is now the middle of XXXX and the account shows that we still have an outstanding balance. I started calling United Wholesale Mortgage at the beginning of XXXX along with filing credit disputes with the 3 Major Credit Bureaus. United Wholesale Mortgage will not answer any of the Credit Bureaus and they keep telling me they " are looking into my case ''. They acknowledge the error but have yet to report the balance paid in full. I have called every day since XX/XX/XXXX and keep being told It will be solved in the next couple of business days. Yet here I am again 2 weeks later and it is still not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I've received a number of unwanted calls and emails from a XXXX XXXX with Chase as of today, XX/XX/. I received a call from XXXX from Chase, then an email from XXXX XXXX, both unsolicited/unwanted. I request to be removed from emails/calls.

Company response to consumer: Closed with explanation