vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-13 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 have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.

-- AUTO LOAN OR LEASE 2. XXXX  XXXX  XXXX  with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Letters were sent to dispute the public records. In the first attempt, the CRA responded with a generic reply stated that the public records have come back verified. The second attempt no response. I have reached out to the public records vendor and received a letter with letterhead and signature stating that they in fact DO NOT report to the CRA 's. The CRA 's have failed to provide me with original signatures and/or contracts. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the CRA 's are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts the CRA post on a credit report. Otherwise, anyone paying for that reporting services could fax, mail, or email in a fraudulent account.

I have requested to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) the CRA 's have on file of the accounts listed. The CRA 's have yet to positively verify these accounts and this has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if the CRA 's are unable to provide me a copy of the verifiable proof, they must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had logged onto my Online Banking account on XX/XX/XXXX to check if one of my bank transfers had gone through, when I realized that my funds were dramatically more depleted than I anticipated. After checking, I found 4 unauthorized transactions between my two accounts. They were through XXXX transfers, however I had received no notification for them like I typically would have with 2 step verification. 

There were 3 transfers from my savings account ( {$700.00}, {$850.00}, {$1900.00} XXXX and 1 through my checking account XXXX {$750.00} XXXX all from XX/XX/XXXX. 

I called my bank on XX/XX/XXXX and they immediately flagged the transfers as fraud. I closed the two accounts and opened new ones. I also changed my security information, and ordered a new debit card. 

However as of XX/XX/XXXX, my bank closed the fraud investigation stating that because the transactions were authorized by a valid device linked to the account, they are unable to honor my fraud claim. 

I had never filed for a fraud claim in my years as a client, and as this was my first I expected a better handling of the case.

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 2021-05-13 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: OH

Complaint narrative:
Hello, PayPal system close my account without any reason. 
I received a payment from unemployment benefit, but i do not understand why PayPal close my account. 
I need PayPal get me back my account because I do not have any chargeback or fraud activity. 

I get PayPal cash card and now this service is a XXXX. 

I cant buy or paid bill, i cant bought food because PayPal block me at all. 

What PayPal need for help me fix the problem. 

i hope this can really help me. 

My account email is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am a victim of forced placed insurance. 
Wells Fargo Home Mortgage ( WFHM ) asked in order to receive a lender placed insurance refund of {$760.00} I need to provide proof of insurance for the lapse coverage dates of XX/XX/XXXX through XX/XX/XXXX. WFHM talking about HO-6 insurance. In reality my Condominium Master Policy includes HO-6 insurance, I didn't have lapse coverage. My current mortgage company XXXX sent to me a letter confirmed that Condominium Master Policy includes interior unit ( " Walls in '' ) coverage, including betterment and improvements.

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 2021-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECIEVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATIONS RESULTS.IT HAS NOW BEEN OVER 30 DAYS AND ALSO I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT RECEIVE ANY RESPONSE. 

INTIAL DISPUTE DATE XX/XX/2021 30 DEMAND DATE XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: OH

Complaint narrative:
PayPal Limited My Account and They Can not Tell Me Why PayPal has probably the strictest rules when it comes to using their service. I have been using PayPal for about a decade and always had just one account until recently. PayPal limited my account a few days ago and it gave me way too many headaches. According to any reasonable human being, the PayPal limitation that was applied to my account was unfair and unjustified. They notified me over email that my account was limited due to suspicious activity. That can mean anything so the first thing I did was to check my account, look at the transaction history and logins but I could not find anything unusual. There was no indication that I did anything against PayPal To that would flag my account. As far as I could tell, my account was in good standing. After hours of looking into my account, checking their terms of service and looking through forums as to why PayPal would limit my account, I decided to give them a call. 

After hours of looking into my account, checking their terms of service and looking through forums as to why PayPal would limit my account, I decided to give them a call. The person that answered had difficulties expressing himself in XXXX but after more than 30 minutes of going back and forth, I decided to give up. According to the support representative, the reason I was suspended was specified in the email I received. Short recap, the email stated that I was limited due to suspicious activity which can mean anything or nothing. In my opinion, it is a mistake and PayPal does not admit that my account was limited unfairly. Their support staff barely provides any support. I found out that you can not even appeal the limitation. PayPal decides if you are allowed to use your account or not They decide if you have access to your money or not I would have not made such a big case out of it because I did not have all that much money in my account. What is concerning is that I am certain that the way PayPal limited my account is not an exception. 
my email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Good day .My name is XXXX XXXX and my account in Chase ends ... XXXX .I would like to originate a complaint against Chase Bank because an abusive plan to rich to profit plan from thousands or may be millions people misfortunes during corona virus low resources in addition to report abuse on the good will of federal help people with the recent stimulus {$1400.00} per person check. The reported incident happens when i discovered a recent charge of - {$53.00} that took my balance over - {$43.00} over the limit in my account. 
The amount is not a large amount but if you applied that to thousands or millions of Americans will mount to millions of dollars of profit to them to the expense of working Americans and does not seem right and complained to them right in their front lobby in front of waiting customers and they did nothing to remove fees or else and all they told me with all their arrogance if wanted to close the account and told hem that they may take my {$53.00} but will take them to the consumer protection agency, the US gov and state attorney office because do not think is right especially when people are coming out of a one of worse US crisis. Their response was that at the time i deposited my check back my account was light over the limit and as a " courtesy '' the will deposit my check of {$2800.00} and i responded to them that have many banks account to deposit the check but i decided to my misfortune to deposit with Chase because trusted them and they never informed me at the time that the - {$53.00} will come my way later at the time of my deposit. i made a copy of the fee and how it affected my account and sure millions of Americans if needed to further fill additional data to the complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Account is reporting to credit bureaus and I am receiving statements in the mail Account is not mine and is a result of identity theft Previously reported to creditor via mail with identity theft reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: FL

Complaint narrative:
The Bureaus   XXXX XXXX XXXX. XXXX XXXX XXXX IL XXXX This Company needs to seize and be charged for criminal activities with the purpose of obtain financial reward This company keeps flagging a collection into my credit report with XXXX  that is not mine from XXXX  XXXX. 
All credit cards I have had in the past years ago with XXXX XXXX have being paid and settled. 
I have not recently applied for any cards or have had an open account or had and open account with XXXX XXXX recently!! 
THIS NEEDS TO STOP! 
This false account must be remove from my credit ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Paramount Capital Group, Inc.
State: NY

Complaint narrative:
I went to trucking school, XXXX  XXXX. The tuition was {$6000.00}, This contract was made with XXXX  XXXX and myself. My payments were being taken out of my earnings weekly by XXXX  XXXX to cover my tuition. Fast forward 4 months later. Im no longer employed by XXXX  XXXX. Upon checking my credit report I noticed a company by the name of Paramont Capital Group listing a loan on my credit file. I had not received any calls other then a email from this company with a attached bill the same month two consecutive payments were reported late. I had no knowledge of this company prior to my findings and upon research, I checked with my local and state, XXXX XXXX XXXX New York, lending licensing departments and discovered this company was not a licensed lender or debt collector in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Accounts reporting on credit report are not mine Sent multiple identity theft reports via USPS mail Called company to report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I am submitting this complaint because I am being extremely affected by CMRE FINANCIAL SERVICES , INC . They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

I was overbilled by the medical serve companies for unnecessary procedures and I had insurance at the time, which they failed to bill, although all this information was provided to them. I tried to get a fair solution over the phone with CMRE but it was denied. 

Im dealing with a very severe issue, that has caused me tremendous harm, but has a simple solution. I will pursue this matter in arbitration for damages and injunctive relief. CMRE FINANCIAL SERVICES XXXX INC. Has committed multiple violations on my reports, dragging my score and having my financial freedom tied up because of their negligence : Violation of California Credit Reporting Act. 
Negligence. 
Unfair Business Practices Failure to report account as disputed. 
Misrepresentation of facts. 
Account has been re-aged. 
Reporting wrong last activity date. 

Account information : CMRE FINANCIAL SERVICES , INC Account Number : XXXX XXXX Date Opened : XX/XX/19 High Credit : {$1700.00} Account Type : Collection Remedy : Deletion of accounts from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Accounts reporting on credit report are not mine Sent multiple identity theft reports via USPS mail Called company to report

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 2021-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Cabela 's club ( Capital one ) sent me an email to pay on a card I don't have and never open in my name. 
Its a fradulent card ending in XXXX ... NEVER ... .applied or used. Stating I am two months behind {$100.00}. I have no idea who opened this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo closed my account without my permission and denied request to reopen. On XX/XX/XXXX I recieved a call from a rep indicating that they would resume service on card but failed to do so. Prior to that call I spoke with someone about options regarding card, thry mentioned that they would call me back but never did so, only to find out that the account was closed. I never missed a payment however late on a few due to covid related illness but always managed to maker payment. I fear that my business credit will be negatively impacted due to closure and was trying to avoid that. One individual stated that I wasting their time, I felt that comment inappropriate and felt that I was not worthy of being a valued customer. I just don't understand Wells Fargo way of doing buisness with small business owners. Please help

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 2021-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I received a Notice of Court Proceeding to Collect Debt today via certified mail, from Midland Funding. 

The notice says Midland sued me in the XXXX Ohio Municipal Court and won a judgment for {$460.00}, on XX/XX/XXXX. 

I have no knowledge of this alleged judgment. 

I looked at the XXXX Court records and the only lawsuit filed against me by Midland in XXXX, was for a different amount, on a different date, and was dismissed in XXXX for want of prosecution. 

I do not know what that suit was for either, but it is clearly not the same as this debt Midland is trying to collect. 

I don't understand how Midland can attempt to garnish my paychecks over a debt I have not been sued for and for which they have not proved that I owe. I do not know what the alleged original debt is for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
XX/XX/2020 I was scammed on cash app from someone name XXXX, he constantly changes his name so he can scam more. The scammer took XXXX USD off my account. At that time I contacted cash app and the Bank by phone. The bank was able to assist by blocking the transaction immediately however my account showed XXXX USD. 
Cash app had said they would look into it then but nothing was done. I kept following up until cash app support saying the case close because Im out of the 72 hours window. Apparently the person I spoke with initially gave me incorrect information on resolving the issue. 
I have not used cash app since, however yesterday, XX/XX/XXXX, I received XXXX from a friend on cash app and it was taken off by cash app. 
On inquiry I was told that cash app took it to cover the negative balance. 
Im the victim in all this and they did not dealt with my issue from it happened, instead left it for me to repay and the scammers still having fun. 
I contact the support manager, XXXX, she was super nasty and condescending. She told me she can not help on the matter and tried to flip her rudeness into me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have tried to contact Equifax on the issue of the violation of which needs to be resolved. 
I did not give my written consent to have the following items reporting on my consumer report, and No consent is Identity Theft. 

XXXX XXXX XXXX XXXX Ithink XXXX XXXX XXXX Under 15 U.S.Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

I would like to have proof providing that I gave written consent for these items to report on my consumer report.

Company response to consumer: Closed with explanation