vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-15 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

Complaint narrative:
My account is suddenly limited without any valid reason and I have not been able to get help from the customer service team. I have already provided all the information as asked by the PayPal team. But they are not ready to provide me any help and suddenly closed my account and blocked my money for 180 days. 
The email id associated with my PayPal account is : XXXX Email date whereby paypal states that i can no longer do business with Paypal is onXX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: EQUIFAX, INC.
State: SC

Complaint narrative:
sent dispute to equifax on XXXX and still haven't got any results on investigation XXXX  has remove all collections on credit report my but XXXX and Equifax haven't therefore i know my report is inaccurate and not 100 % correct and by law must be removed from my Credit Report Also Equifax has improper display of my collections which makes it inaccurate which needs to be immediately removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc.
State: MS

Complaint narrative:
on XX/XX/2021, i sent FRANKLIN COLLECTION SERVICE, INC a letter asking for the validity of the alleged debt of {$200.00} that i do not owe. i haven't received anything thus far and it is causing me XXXX  and XXXX because i get anything with my credit. i have attach a copy below of the letter for my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MoneyLion Inc.
State: AZ

Complaint narrative:
MoneyLion is reporting an account on all 3 of my credit bureau reports claiming I owe {$1000.00}. I never opened an account with MoneyLion and believe this is the result of identity theft and fraud. MoneyLion attempted to take close to {$1000.00} out of my XXXX  checking account in early XXXX  2021. I had to close my checking account as a result. I demand that MoneyLion provide me a copy of the signed document so that I may turn this over to my local police department in conjunction with an identity theft report I have already filed with the government. I also demand MoneyLion immediately cease reporting against my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the 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 2021-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST NATIONAL BANK OF OMAHA
State: NV

Complaint narrative:
Someone stole my identity and opened many accounts without my permission or authority.

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 2021-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Monarch Recovery Holdings, Inc.
State: CA

Complaint narrative:
I am the consumer, the natural person and original creditor as pursuant to 15 usc 1692a ( 4 ) and my privacy has been breached. I do not validate the alleged debt from MONARCH RECOVERY MANAGEMENT , INC . MONARCH RECOVERY MANAGEMENT, INC has violated my federally protected consumer rights by stating, I the consumer owe any debt as pursuant to 15 usc 1692b ( 2 ). MONARCH RECOVERY MANAGEMENT, INC has attempted to communicate through the mail in connection with a alleged debt and without my prior consent, which is a violation as pursuant to 15 usc 1692c ( a ). MONARCH RECOVERY MANAGEMENT, INC conduct is harassment as pursuant to 15 usc 1692d ( 2 ) in connection with the attempt to collect the alleged debt. MONARCH RECOVERY MANAGEMENT, INC has used false and deceptive representations of the amount of the alleged debt which is a violation as pursuant to 15 usc 1692e ( a ). MONARCH RECOVERY MANAGEMENT, INC has furnished deceptive forms as pursuant to 15 usc 1692j ( a ), since I am the original creditor and I am not participating in the collection of the alleged debt. I have notified MONARCH RECOVERY MANAGEMENT, INC in writing that I refuse to pay the alleged debt and wish MONARCH RECOVERY MANAGEMENT, INC to cease & desist further communication. As well as sent an affidavit and validation of debt requesting to tell me who is the original creditor, all sent certified mail along with Exhibits and a invoice. Since MONARCH RECOVERY MANAGEMENT, INC has failed to comply with provisions of 15 usc 1692 MONARCH RECOVERY MANAGEMENT, INC is liable as pursuant 15 usc 1692k ( 1 ) and 15 usc 1692k ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: OH

Complaint narrative:
Tried calling the company but the want return my calls at all

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I have two Woman Within Credit Cards and one XXXX credit card with Comenity bank. I went onto a hardship payment plan in XX/XX/XXXX not missing one payment and paid all three credit cards off in XX/XX/XXXX. My credit reports have me late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX even with paying the balances off in full!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
No consent is identity theft. I, XXXX XXXX XXXX XXXX did not consent to, authorize nor benefit from listed inquiries. Block and remove them. This Identity theft report was not done in error or a material misrepresentation. If Transunion believes I have received goods or services please have a senior executive certify under the penalty of perjury that I have in fact received goods or services as a result of these transactions.

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 2021-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
XX/XX/2021 I had 5 credit cards that Synchrony Bank was the creditor : Belk, TJX, Amazon Prime, Gap and Pay Pal. Suddenly these accounts were closed. I received letters from Synchrony stating that the reason the accounts were closed : Activity on accounts with Synchrony Bank indicative of high risk of failure to pay. 

I don't understand why this has happened. I have never been late in paying for my cards and I have been most recently paying the cards directly through electronic transfer from my bank. I had them on auto pay to pay them on time. 

I did not owe a vast amount of money to any of these cards. I paid off the balances tonight except for the Gap which will require a little more time. 
The customer service representatives would not give me any information on the cancelling of these accounts except to say I would receive a letter. Now I have the letters which don't offer a reasonable explanation based on my payment history. 

The cancelling of these credit cards trashed my credit rating. I found out about the cancellations through a report from XXXX XXXX when I noticed the credit rating drop, I guess due to the fact that I no longer had the amounts of credit that had been granted to me through the now cancelled cards. 

An additional slap in the face was a denial of a new Amazon Prime credit card application that I submitted through XXXXXXXX XXXX. I imaging that will also negatively affect my credit score. 

I don't understand why paying down my credit cards resulted in the removal of the credit. Could it be that I am about to turn 70 in a few 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 2021-07-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BTH Management
State: MS

Complaint narrative:
on XX/XX/2021, i sent PLAZA SERVICES, LLC a letter requesting for the validity of the alleged debt of {$3200.00} that i do not owe or had dealings with.i have not heard from them and i need for them to remove it from all 3 CRA 'S.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: SC

Complaint narrative:
sent dispute to XXXX  on XXXX and still haven't got any results on investigation transunion has remove all collections on credit report my but experian and XXXX  haven't therefore i know my report is inaccurate and not 100 % correct and by law must be removed from my Credit Report Also XXXX  has improper display of my collections which makes it inaccurate which needs to be immediately removed

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 2021-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
I reviewed my consumer report and I know for a fact I never entered into a consumer credit transaction with EOS CCA. I've never even heard of this company before. I have never been in contract or contact with them. Nor have I given them consent to have my personal information. My consumer right to privacy has been violated. I wrote this company back in XXXX and I never received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2021 I opened a XXXX account and after adding my Hilton honors card to my paypal account, XXXX permanently XXXX my account for suspicious activity. Why this happened? What's wrong with my card? What's suspicious about my Amex card? 

On XX/XX/2021 I updated my phone number in Amex profile. After getting XXXX by XXXX, everytime I try to login to my Amex account, its asking for re-authentication key that is being sent to my old phone number ending in XXXX. Why? Whats going on? 

On XX/XX/2021 I called Amex and asked to speak to the security team. The operator said the fraud team deals with all security issues and transferred the call to the fraud department. This lady from your security team said my Amex profile has my new number updated but however these issues doesn't fall under her work responsibilities. She said she will transfer the call to the customer service and she will stay on the call until the call reaches the customer service. But then the call went to your usual recorded voice prompts? Why? This shows you people deliberately did something to my card/account and now trying to run away from your responsibilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: EQUIFAX, INC.
State: IA

Complaint narrative:
I sent a dispute letter to Equifax pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President XXXX wants to do away with the credit bureaus, they are useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: OH

Complaint narrative:
Equifax continues to report an account that I, XXXX XXXX XXXX XXXX ( CONSUMER ) reported as Identity theft since XX/XX/2018. I sent a police report and countless letters in regards to this matter. XXXX account # XXXX is not mines Block and remove it from my consumer credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MS

Complaint narrative:
I lived at XXXX XXXX XXXX in XXXX Virginia from XX/XX/XXXX until XX/XX/XXXX. I was charged {$430.00} for damaged carpet replacement and was provided the attached pictures as carpet damage. These pictures do not show carpet damages but normal wear and tear. I contacted the XXXX XXXX XXXX and the company still alleged that I owe them money for the carpet. I didnt accept the company response but the case was closed as the community didnt further respond back. The company has now turned me over to collections and Ive been denied apartments because of this. This is retaliation for speaking up to law enforcement regarding drug dealing in my building and crime and refusal to renew my lease because of such. I was told I have an unsatisfactory rental history which is not accurate. XXXX XXXX and XXXX XXXX are taking retaliation against me for reporting illegal activities within the community and complaining about issues within the community to include a squirrel living in the attic above the apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: HW Holding, Inc
State: MD

Complaint narrative:
I have been charged an amount when I previously paid the amount in full. I also notified the company which submitted documentation as a law firm and not a debt collector. This inaccurate information was still placed on my credit file of all three credit bureau which has significantly affected my credit score. The rental contract was scheduled to end on XX/XX/XXXX. I departed and submitted all keys on XX/XX/XXXX. Also per the documentation I have provided all fees had been paid as of XX/XX/XXXX. Please view that the amounts owed were addressing the dates from XX/XX/XXXX until XX/XX/XXXX. 

The company Hunter Warfield , Inc replied : The consumer states the account was paid to the original creditor on XX/XX/XXXX. The consumer also states she does not owe past-due rents and requests Hunter Warfield for tradeline deletion. XXXX XXXX referred an account to Hunter Warfield for collection on XX/XX/XXXX, listing the principal amount due of {$11000.00}. The initial collection letter was sent to the consumer on XX/XX/XXXX. XXXX referred an account to Hunter Warfield for collection on XX/XX/XXXX, listing the principal amount due of {$2700.00}. The initial collection letter was sent to the consumer on XX/XX/XXXX. The consumers dispute was reviewed with our client XXXX XXXX on XX/XX/XXXX. Hunter Warfield was advised the consumer was charged only for fees listed in her lease agreement. Also, the rental contract ended XX/XX/XXXX but the consumer submitted the keys on XX/XX/XXXX. We are enclosing for the consumers review, copies of the account ledger and the security deposit disposition. This information may help the consumer to review the nature of the charges. Personal information has been redacted for the consumers protection. Lastly, the consumer has requested deletion of the trade line. We are unable to do so because there is no valid reason, i.e., error in reporting, that a deletion should take place. Therefore, the facts justifying deletion are not present. 

I have proof that the company Hunter Warfield , Inc had been provided incorrect information, defrauded by XXXX  at XXXX XXXX/XXXX XXXX./XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX. 

What has taken place is landlord retaliation in which litigation is currently in effect. 

Hunter Warfield, Inc is now involved as the collection actions have now added to the financial hardship, pain and suffering caused by XXXX XXXX XXXX XXXX/XXXX XXXX./XXXX 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 2021-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: U.S. BANCORP
State: OR

Complaint narrative:
Someone was buying a XXXX from me for {$270.00}. The person who wanted to buy the item sent a check in the mail for an allotted amount of {$1900.00}. The person said his assistant accidentally wrote wrong $ amount on check. I didn't think anything of it, people make mistakes. I deposited the check into my US bank account ATM on XX/XX/21, waited till it got cleared three days later on XX/XX/21. The check went through, it got cleared, the full amount of {$1900.00} was in my account. I took {$270.00} out of the ATM which was my fee for the XXXX & sent the remaining {$1600.00} through my banks application XXXX back to the person who wanted to buy the XXXX because I'm not going to keep someone's money. Three days later on the XXXX I received a letter from my bank with a returned check statement saying the reason the check was returned was because it was forged/forgery. The bank took the {$1900.00} from my account an added {$90.00} overdraft fees to make my account go negative $ XXXX. I reported it to the US bank fraud liaison department as well as made a police report case # XXXX with the XXXX XXXX police department. The fraud agency said they'll look into it an get back to me regarding the investigation. Today, on XX/XX/21 I received a letter from my bank saying they can't help me for a claim because the transaction of {$1600.00} went through. Im the victim and the bank is trying to get me to pay the full {$2000.00} or else it'll go to collections. How am I supposed to know the check was forged? Even after my bank cleared it ; the money was there so it was legit to me. The person who received the money through XXXX  information is XXXX His name is XXXX XXXX. 
Please help! I just got XXXX, I have no job. I can not nor am I able to pay the full allotted amount that my account is negative of {$2000.00}

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 2021-07-15 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: IA

Complaint narrative:
I sent a dispute letter to TransUnion pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless.

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 2021-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Someone stole my identity and opened many accounts without my permission or authority.

Company response to consumer: Closed with explanation