vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Paypal- This matter is to deal with Paypal and Paypal credit. 
On XX/XX/XXXX, I made a charge to a jewlery store using paypal credit inthe amount of {$7000.00}. The jewlery store could not fulfill the order and cancelled my transaction and stated they would refund the money immediately, a few days past and no refund, I contacted paypal/paypal credit to look for my refund and paypal credit filed a claim on XX/XX/XXXX and gave me a credit for the money. 

On XX/XX/XXXX i was credited as well from the merchant, At this point i was double credited and owed one of the credit back to paypal credit. I called on XX/XX/XXXX after realizing what happened to advise them to remove one of the credits and they stated they would on XX/XX/XXXX i received a email stating that they had mistakenly credited me twice and would be charging back one of the charges ( which I know I owed ) on XX/XX/XXXX i realzed a {$7000.00} charge was made on my paypal wallet ( not paypal credit where the original charge was made ) so I called paypal to have them move the charge to my paypal credit from my wallet, they said they would. 

On XX/XX/10 they re charged the charge back to my paypal credit account, but have NOT credited the money to my paypal wallet. so now I have the chage on my paypal credit account and have a negative balance on my paypal wallet as well ( being double charged I have called paypal and wait hours on hold to be hung up on and when i finally get through they state i must call paypal credit. when I do that I also am on hold for hours to be reffered back to call paypal, its like ping pong with no one being able to help I have documentation of everything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-14 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: FL

Complaint narrative:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. 
You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law.

You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE ACCOUNT. Please update the account, or inaccurate information, from my file immediately & send me the results to the address listed... 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 non-monetary relief
Consumer complaint received 2023-07-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX, Capital One offered me a Settle For Less than the amount on my charged off account of {$390.00}. I fulfilled that amount on XX/XX/XXXX. However, I received a notification via XXXX that the company has reported my account as delinquent instead of settled for less than the amount. This is false information reporting and will present a strong adverse effect on my credit rating. This needs to be addressed and corrected immediately. I have also sent an email to the CEO regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: RS Clark and Associates, Inc.
State: SC

Complaint narrative:
This company has a collection that is not mine that is reporting on my credit report. However, it's also been discovered that this company does not even have a collection agency license in my state of South Carolina. They only have a license to collect in the states listed on XXXX  This is a violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are non-mailable addresses on my credit report and they do not belong there. They were never my addresses : XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are non-mailable addresses on my credit report and they do not belong there. They were never my addresses : XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have submitted multiple request for XXXX to validate/verify a XXXX auto repossession appearing on my credit reports. I have advised the bank my identity was stolen while traveling. Additionally, I have provided documentation to support my claim i.e police reports, identify theft reports, leases, utility bills, etc. I've also mailed multiple request for All Executed Contracts and Documents on this account to validate/verify this debt and confirm the balance. Demanding that the bank either forward the requested documentation or immediately cease collection and remove this account from my credit file. 

To Date, I have received conflicting notices from both XXXX ( notice of repossession on XX/XX/XXXXXXXX  ) and XXXX ( notice of insurance claim on XX/XX/XXXX ). These notices/documents suggest the vehicle was repossessed and involved in an accident on the same day. The notice from XXXX indicates an insurance claim was filed, as a result I received an incident report form requesting information. The notice from XXXX advised of the repo and the right to retrieve personal items. I have sent correspondence to both companies requesting all executed contracts/documentation to validate both accounts - vehicle and insurance. Yet, I have not received a response from XXXX. However, XXXX continues to forward generic letters assuring me the debt is valid without sending any of the requested documents to support their claim. Additionally, XXXX has sent XXXX identity theft forms that require MN XXXX. I DO NOT LIVE IN MN. Therefore, i am unable to have the forms notarized. 

Finally, the XXXX letter indicates the vehicle was repossessed XX/XX/XXXX. It is now XX/XX/XXXX was the vehicle sold? why is the debt still reporting at XXXX. Is this the deficiency balance? How much was the original debt? Simply - This companys practices are fishy!!! I have escalated these request to the governing authorities XXXX, 3 Major Credit Bureaus, MN Dept of Commerce, and NCUA. Unfortunately, XXXX continues to validate the debt with each agency with out providing me the requested documentation.

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 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have submitted multiple request for XXXX to validate/verify a XXXX auto repossession appearing on my credit reports. I have advised the bank my identity was stolen while traveling. Additionally, I have provided documentation to support my claim i.e police reports, identify theft reports, leases, utility bills, etc. I've also mailed multiple request for All Executed Contracts and Documents on this account to validate/verify this debt and confirm the balance. Demanding that the bank either forward the requested documentation or immediately cease collection and remove this account from my credit file. 

To Date, I have received conflicting notices from both XXXX ( notice of repossession on XX/XX/XXXX ) and XXXX ( notice of insurance claim on XX/XX/XXXX ). These notices/documents suggest the vehicle was repossessed and involved in an accident on the same day. The notice from XXXX indicates an insurance claim was filed, as a result I received an incident report form requesting information. The notice from XXXX advised of the repo and the right to retrieve personal items. I have sent correspondence to both companies requesting all executed contracts/documentation to validate both accounts - vehicle and insurance. Yet, I have not received a response from XXXX. However, XXXX continues to forward generic letters assuring me the debt is valid without sending any of the requested documents to support their claim. Additionally, XXXX has sent 2 identity theft forms that require MN XXXX. I DO NOT LIVE IN MN. Therefore, i am unable to have the forms notarized. 

Finally, the XXXX letter indicates the vehicle was repossessed XX/XX/XXXX. It is now XX/XX/XXXXXXXX  was the vehicle sold? why is the debt still reporting at XXXX. Is this the deficiency balance? How much was the original debt? Simply - This companys practices are fishy!!! I have escalated these request to the governing authorities XXXX, 3 Major Credit Bureaus, MN Dept of Commerce, and NCUA. Unfortunately, XXXX continues to validate the debt with each agency with out providing me the requested documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have submitted multiple request for XXXX to validate/verify a XXXX auto repossession appearing on my credit reports. I have advised the bank my identity was stolen while traveling. Additionally, I have provided documentation to support my claim i.e police reports, identify theft reports, leases, utility bills, etc. I've also mailed multiple request for All Executed Contracts and Documents on this account to validate/verify this debt and confirm the balance. Demanding that the bank either forward the requested documentation or immediately cease collection and remove this account from my credit file. 

To Date, I have received conflicting notices from both XXXX ( notice of repossession on XX/XX/XXXX ) and XXXX ( notice of insurance claim on XX/XX/XXXX ). These notices/documents suggest the vehicle was repossessed and involved in an accident on the same day. The notice from XXXX indicates an insurance claim was filed, as a result I received an incident report form requesting information. The notice from XXXX advised of the repo and the right to retrieve personal items. I have sent correspondence to both companies requesting all executed contracts/documentation to validate both accounts - vehicle and insurance. Yet, I have not received a response from XXXX. However, XXXX continues to forward generic letters assuring me the debt is valid without sending any of the requested documents to support their claim. Additionally, XXXX has sent 2 identity theft forms that require MN XXXX. I DO NOT LIVE IN MN. Therefore, i am unable to have the forms notarized. 

Finally, the XXXX letter indicates the vehicle was repossessed XX/XX/XXXX. It is now XX/XX/XXXX was the vehicle sold? why is the debt still reporting at XXXX. Is this the deficiency balance? How much was the original debt? Simply - This companys practices are fishy!!! I have escalated these request to the governing authorities XXXX, 3 Major Credit Bureaus, MN Dept of Commerce, and NCUA. Unfortunately, XXXX continues to validate the debt with each agency with out providing me the requested documentation.

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 2023-07-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KS

Complaint narrative:
53 Bank filed a late payment on my credit reports by mistake. In XX/XX/2023, My wife called to make a payment with the bank ( our truck loan ) as usual and was told she was good to go. In XXXX, 2023 we received a call about a late payment from the bank. We told them she made the payment and the bank reviewed the account and confirmed whoever took that payment input the wrong account information. We were told by a representative the payment was going to be pushed to the end of the loan and no other action needed to be taken and we were good. Early XXXX I started getting calls again about a late payment and I requested to speak to a XXXX for clarification. They submitted what they call a " call review '' which they pull the recorded conversation and confirm what the issue was. Today, XX/XX/2023, I was told by one of the representatives they will not fix the late payment on my credit but I can certainly apply for a hardship to get the payment pushed to the end of the loan but will affect my credit. I mentioned to the representative this was an error on their end and because the first representative didn't take the right steps to notify us about the issue initially they put the incorrect account info now we are stuck with a late payment on my credit. She mentioned the only thing I can do at this time is file at complaint with the FTC and hope for the best.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/26 I have accidentally transferred XXXX USD to XXXX XXXX XXXX from XXXX  XXXX XXXX to his Wells Fargo bank account, on the same day XXXX  XXXX XXXX initiated a wire transfer recall but Wells Fargo bank is unable to contact XXXX XXXX and the request to recall is still in progress for last 15 days. I have contacted XXXX Offices Of XXXX XXXX to seek a legal help. Attorney tried to contact XXXX several times but XXXX is not responding to any calls. I spoke to XXXX one time and explained what happened and he told me to to get back to me. Attorney prepared a demand letter and sent to his email id XXXX and also sent the same to his residential address and to his phone but no response yet. 


I really need your help to locate XXXX and see if we can contact him, explain him and see if he can work with bank to reverse the transaction.

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 2023-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

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 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
I applied for Schwab brokerage account. They opened account # XXXX and let me connect my XXXX XXXX checking account thru application online with verification process. Then they allowed me to transfer my money in 2 deposits from my checking account ( {$300.00} total ). 
Then they restricted my account for no reason, so I was unable to place any trade or even transfer my money back to my checking account. 

I chatted with their representatives 4 or 5 times and every time they promised that I will be able to transfer my money back next day, then XX/XX/2023, and then Friday XX/XX/2023. I am still unable to transfer my money. So, they literally froze my money. 

They asked me to unfreeze my XXXX report to transfer my money back which I considered illegal. They opened my account without it and let me transfer my money from my checking account and then ask me to do thing to be able to transfer it back. They told me via chat that they allow me to transfer my money back in the beginning, but then refused to do so. 

I ask agency to fine Schwab company for illegally hold my money and unavailability for me to use my money or transfer it back to my checking account and to order Schwab give my money back ( {$300.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Company : XXXX. for XXXX. XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) : [ XXXX, XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX They reported a debt I never owed on my credit report I never owed. 
The company never gave a validation of the actual accounting of the debt, proving that the company will sustain an actual loss if the debt goesunpaid. 
The company never provided the identity of the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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: MD

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief