vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-21 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: MD

Complaint narrative:
On XX/XX/XXXX, I received confirmation from XXXX that a buyer in XXXX won the bid for my XXXX XXXX. The posting had a no return policy. I received an email from PayPal confirming the payment. On XX/XX/XXXX, I shipped the phone to XXXX. The buyer refused the phone because they did not want to pay the custom fees. They requested a refund through XXXX, which I refused at the time because I did not have the phone. I asked XXXX what were my rights as seller. They stated I could give a partial refund, a full refund, resent or whatever I chose because I handled my responsibilities as the sell. They then requested a refund from PayPal. At that time the phone was still in transition and I declined. PayPal sent me an email stating the case was resolved in my favor. I received the phone at a later date. I communicated with the buyer and asked them what would they like to do. They stated they wanted the phone and requested I put it for a lower cost due to customs. I advised them I could resend but they would have to paying the shipping cost to resend. I was unable to get in contact with the buyer on PayPal. On XX/XX/2018 I checked PayPal and see my account is a negative XXXX and I only received {$850.00}. I contacted XXXX for the refund for my listing and PayPal to dispute the amount my account was being deducted and to offer a partial refund to the buyer. PayPal refused to give any credit even after deciding in my favor or only charge me the amount I received. They stated my case was closed and they refused to reopoen. However, I also received an email from them stating I had to XX/XX/2018 to dispute. And now they are refusing to reopen or create a case on XX/XX/2018.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HOVG, LLC
State: TX

Complaint narrative:
I have contacted XXXX XXXX XXXX regarding 2 accounts IN THE AMOUNT OF {$71.00} and IN THE AMOUNT OF {$920.00} on 2 different occasions thru certified mail asking to verify that I owe their company any funds and for what. Ive also ask for anything bearing my signature that verifies I have obligations to pay them or have had any business dealings with them. Yet they have failed to validate according to law. This collection company is damaging my credit file and cant provide legal proof. I have not had any dealing with XXXX XXXX or XXXX XXXX emergency whom they represent. I have not given any companies authorization to share any medical information either. This company is in violation of HIPPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I went to try and get a car and was told there are bankruptcies on my credit. This information is not correct as I have never filed for Bankruptcy ever in my life. Please have bankruptcies removed from my credit immediately.

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 2018-09-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
NOTE : This is a problem with Experian, but I'm going to briefly summarize the details of the account that I'm disputing with them. 

-- ACCOUNT BACKSTORY -- In XXXX of XXXX, I signed up for a XXXX XXXX " XXXX '' Visa credit card. I used the card normally for XXXX years. 

In XXXX of XXXX, I paid - in full - the balance on that card. I was moving out of the country, so I put the card in a safe place and stopped using it. 

By XXXX of XXXX, XXXX XXXX had charged that card with some unauthorized service fees ( not found in our contract or any disclosure made to me ). It was a small amount, maybe {$25.00}, but enough for XXXX XXXX to raise my APR to the maximum allowed and charge compounding interest. I became aware of this in early XXXX when I finally got an email notice that my card was " over limit '' - about {$3000.00}. 

I contacted XXXX XXXX and explained the situation. I asked them to remove their original charge and the subsequent interest. They were unwilling to do so, and maintained that I needed to pay " my balance ''. I refused and closed all accounts with them. 

By XXXX, XXXX XXXX marked the account as delinquent. I entered a 6 month contract with a credit repair service company called XXXX  XXXX XXXX, XXXX. They were able to dispute the validity of the charge, and XXXX XXXX ultimately charged off the account as a loss, adding a deragotory mark to my credit report with all three bureaus. I was assured by XXXX  XXXX XXXX that this was a " good outcome '', and didn't challenge it. It affected my credit for years, taking me from the 700s down to about 450. 

-- CURRENT DAY -- Presently, the deragatory mark has been lifted from two of the thre bureaus, but not Experian. Experian acknowledges my account as closed and charged off, but continues marking a delinquent payment every single month. They've indicated that they plan to do this until XXXX. 

Throughout XXXX, I've periodically contacted Experian over the phone, and today signed up for an account on their website so that I could document their refusals. Experian maintains that they're under no obligation to review my dispute, since I've " already disputed '' the 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 explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I went to try and get a car and was told there are bankruptcies on my credit. This information is not correct as I have never filed for Bankruptcy ever in my life. Please have bankruptcies removed from my credit immediately.

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 2018-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I went to try and get a car and was told there are bankruptcies on my credit. This information is not correct as I have never filed for Bankruptcy ever in my life. Please have bankruptcies removed from my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I faxed a letter to XXXX  last XXXX of XXXX to dispute the XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX / XXXX, OPENED XX/XX/2012 they are reporting on my credit report. As I write this letter, this incorrect/invalid account continues to damage my credit file and Experian doesn't seem to have done anything from the XXXX of XXXX when my first correspondence was sent and received by them. This is a clear violation of FCRA. I am attaching a copy of the letter I sent them last XX/XX/XXXX and a copy of the letter I am sending them again today, XXXX XXXX. I do not believe that this item is supposed to be on my credit report at all. I am demanding a copy of the documents used for the verification, name and contact info of the person whom they've verified this account info. I will not tolerate their continued negligence and none compliance and I will seek legal assistance if necessary.

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 2018-09-21 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: Credit Technologies, Inc.
State: GA

Complaint narrative:
I recently checked my XXXX credit report and I notice that there are 8 unauthorized inquiries listed on my report. The only one that I am aware of and take responsibility in authorizing would be the XXXX inquiry made on XX/XX/2017 for a personal loan that I currently have with them. The other seven especially the inquiry from XXXX XXXX XXXX XXXX, I did not authorize. With XXXX XXXX XXXX XXXX they could not run my credit with my understanding due to me not having any identification to identify myself. I had forgotten my driver 's license and was refused service when I made them aware of having no ID on hand. XXXX customer service representative had no right to submit my application if it was not complete. Credit Technologies, XXXX XXXX, and XXXX XXXX are companies that I have never heard of nor would allow them to have access to my personal information such as my social security number to pull any information about me. I did not sign anything from the list of companies I just mentioned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There was a credit card from XXXX XXXX XXXX opened on XX/XX/2018 under my name from an address I moved out over ten years ago. This card was opened under my name from a very old address and I never open an account with XXXX XXXX XXXX   before. On top of that, whoever is using the account is left the account in bad standing and it's hurting my credit score. Trying to remove the account multiple times, but never heard back from the bank nor the credit bureau.

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 2018-09-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: GA

Complaint narrative:
Generated a loan w/ XXXX XXXX XXXX of XXXX XXXX GA XXXX Indicated to collector XXXX on numerous occasions my employer does not accept personal calls. Agent disregarded my company policy multiple times. Including phishing for personal information from my employer who then notified me. 
Beginning on Thursday XX/XX/18 Last call today XX/XX/18 in which my employer informed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I faxed a letter to Transunion last XXXX of XXXX to dispute the XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX / XXXX, OPENED XX/XX/XXXX they are reporting on my credit report. As I write this letter, this incorrect/invalid account continues to damage my credit file and Transunion doesn't seem to have done anything from the XXXX of XXXX when my first correspondence was sent and received by them. This is a clear violation of FCRA. I am attaching a copy of the letter I sent them last XX/XX/XXXX and a copy of the letter I am sending them again today, XXXX XXXX. I do not believe that this item is supposed to be on my credit report at all. I am demanding a copy of the documents used for the verification, name and contact info of the person whom they've verified this account info. I will not tolerate their continued negligence and none compliance and I will seek legal assistance if necessary.

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 2018-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: C.Tech Collections, Inc.
State: NJ

Complaint narrative:
In XX/XX/2018 I received a bill from XXXX XXXX XXXX for {$15.00} I immediately contacted the company explained that that amount was billed in error they agreed and closed their file and I mine. date of service XX/XX/18. 

With a letter dated XX/XX/18 from C.tech Collections Inc. XXXX XXXX XXXX, XXXX. XXXX, NY XXXX the collection company was communicating that XXXX XXXX XXXX XXXX had referred my account to their office for collection and that, unless disputed within 30 days, they would have assumed the debt as valid. Letter signed by XXXX XXXX VP Operations ( XXXX ) XXXX Payment ID # XXXX XXXX XXXX I immediately contacted XXXX at the collection company, very upset, informed them that there was no such amount due and immediately without asking further questions she stated to consider the matter closed and dont take further action. 

The above raised some suspicions, so I contacted the service provider, XXXX XXXX XXXX, who appeared to be astonished about the news as they stated never having referred such debt to this particular collection company. 

I am very much concerned about the unfair, deceptive action and practice from this particular collection company and I am wondering how many more consumers they have unfairly billed. Company such as these pose a dangerous threat to the community and need to investigated for possible UDAAP violations. 

On my part I would expect a letter of apology because they have insulted my intelligence and my integrity. Particularly for {$15.00} seem so pitiable action on their part. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
NOTE : This is a problem with XXXX, but I'm going to briefly summarize the details of the account that I'm disputing with them. 

-- ACCOUNT BACKSTORY -- In XX/XX/XXXX, I signed up for a Wells Fargo " Student '' Visa credit card. I used the card normally for three years. 

In XX/XX/XXXX, I paid - in full - the balance on that card. I was moving out of the country, so I put the card in a safe place and stopped using it. 

By XX/XX/XXXX, Wells Fargo had charged that card with some unauthorized service fees ( not found in our contract or any disclosure made to me ). It was a small amount, maybe {$25.00}, but enough for Wells Fargo to raise my APR to the maximum allowed and charge compounding interest. I became aware of this in early XXXX when I finally got an email notice that my card was " over limit '' - about {$3000.00}. 

I contacted Wells Fargo and explained the situation. I asked them to remove their original charge and the subsequent interest. They were unwilling to do so, and maintained that I needed to pay " my balance ''. I refused and closed all accounts with them. 

By XXXX, Wells Fargo marked the account as delinquent. I entered a 6 month contract with a credit repair service company called XXXX XXXX XXXX, XXXX. They were able to dispute the validity of the charge, and Wells Fargo ultimately charged off the account as a loss, adding a deragotory mark to my credit report with all three bureaus. I was assured by XXXX XXXX XXXX that this was a " good outcome '', and didn't challenge it. It affected my credit for years, taking me from the 700s down to about XXXX. 

-- CURRENT DAY -- Presently, the deragatory mark has been lifted from two of  the thre bureaus, but not XXXX. XXXX acknowledges my account as closed and charged off, but continues marking a delinquent payment every single month. They've indicated that they plan to do this until XXXX. 

Throughout XXXX, I've periodically contacted XXXX over the phone, and today signed up for an account on their website so that I could document their refusals. XXXX maintains that they're under no obligation to review my dispute, since I've " already disputed '' the 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 explanation
Consumer complaint received 2018-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I am a victim of identity theft and upon reviewing my credit file I have become aware of an account held by XXXX XXXX that is a direct result of identity theft. I have never had any dealings with Convergent or the company XXXX that they represent. An amount of {$1300.00} that is listed on my account does not belong to me it is fraud. I have contacted Convergent credit regarding the account IN THE AMOUNT OF {$1300.00}, 4 thru certified mail asking to verify that I owe their company any funds and for what. Ive also ask for anything bearing my signature that verifies I have obligations to pay them or have had any business dealings with them. Yet they have failed to validate according to law. This collection company is damaging my credit file and cant provide legal proof. I have not had any dealing with convergent or XXXX whom they represent. This account is a result of identity theft.

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 2018-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
I told XXXX XXXX that my check was stolen and reported to the police. 

I was informed that I had to provide all my personal details but they didn't have to give me anything, and I replied that the police had the report. I was told it was my problem and that I had to get them the report to their business. When I said, no, I was in a XXXX and they could get it i was informed that they would call me every day until I did what they wanted and there was nothing I could do about it other then bring them the report and then they would investigate and see if they quit calling. 

Requests for things in writing was met with it could only be done by email. 

They were informed it was stolen, it was a fraud and that a police report was filed. Because I did not bring them all the paperwork, a hardship on me being in a XXXX, which they were informed about, they have called at least once a day for the last 10 days and tell me every time they call, they will talk to me tomorrow. 

This is harassment, and when pointing it out tell me " nope. It's a bill you owe. '' When I argue that they tell me they aren't going to get the report and they doi n't have the time to bother with getting it or investigating it so they're going ot keep calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: LA

Complaint narrative:
Unfortunately my daughters and myself have always had Medicaid which covers 100 % so i have no clue why this debit is on me. If this cant be resolved I will hire a attorney

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 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: GA

Complaint narrative:
I recently checked my XXXX credit report and I notice that there are 8 unauthorized inquiries listed on my report. The only one that I am aware of and take responsibility in authorizing would be the XXXX inquiry made on XX/XX/2017 for a personal loan that I currently have with them. The other seven especially the inquiry from XXXX XXXX XXXX XXXX, I did not authorize. With XXXX XXXX XXXX XXXX they could not run my credit with my understanding due to me not having any identification to identify myself. I had forgotten my driver 's license and was refused service when I made them aware of having no ID on hand. XXXX customer service representative had no right to submit my application if it was not complete. XXXX XXXX, Corelogic Credco, and XXXX XXXX are companies that I have never heard of nor would allow them to have access to my personal information such as my social security number to pull any information about me. I did not sign anything from the list of companies I just mentioned.

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 2018-09-22 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: Informative Research
State: GA

Complaint narrative:
I recently checked my XXXX credit report and I notice that there are 8 unauthorized inquiries listed on my report. The only one that I am aware of and take responsibility in authorizing would be the XXXX inquiry made on XX/XX/2017 for a personal loan that I currently have with them. The other seven especially the inquiry from XXXX XXXX XXXX XXXX, I did not authorize. With XXXX XXXX XXXX XXXX they could not run my credit with my understanding due to me not having any identification to identify myself. I had forgotten my driver 's license and was refused service when I made them aware of having no ID on hand. XXXX customer service representative had no right to submit my application if it was not complete. XXXX XXXX, XXXX XXXX, and Informative Research are companies that I have never heard of nor would allow them to have access to my personal information such as my social security number to pull any information about me. I did not sign anything from the list of companies I just mentioned.

Company response to consumer: Closed with explanation