vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX and Equifax have the same accounts. Why is Equifax credit reporting different point than XXXX. It is not accurate. XXXX should be accurate with Equifax. It's the same accounts. Theses disparities must stop. I attempting to remedy this error by filing a complaint. Hopefully XXXX and Equifax will be on the same page.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Farrell Holdings, LLC
State: NV

Complaint narrative:
This is an account that was paid off that appears to be negligent in my credit history. I called the company and they said it is an error that I needed to contact consumer finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC
State: IL

Complaint narrative:
The company is on my credit report. I paid the debt yet it is still on my 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 2021-05-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Five Clans Lending LLC
State: GA

Complaint narrative:
I had 2 charges of approx. {$110.00} in my checking account. I didn't catch the first one because I thought it was a restaurant charge ( date and amount were the same ). When I received this second one I went to dispute the charge and saw a {$500.00} credit on XXXX. I did NOT make this or any other loan. I called them and they said they had a signed contract. When I told them it was fraudulent and I wanted a copy of the contract, they told me to " call the police ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2021 I became the victim of wire fraud. 2 wire transfers 1 ) from XXXX XXXX for {$10000.00} and 1 ) Chase Bank for {$2700.00}. Luckily the receiving bank XXXX XXXX had placed a hold on this particular account due to fraudulent activities. On XX/XX/2021 I was able to recall {$10000.00} from XXXX XXXX but unable to get Chase bank to cooperate and or initiate a Indemnity/hold Harmless letter requested by XXXX XXXX for the recall. I have spent countless of hours via phone calls, secured messages, XXXX Branch visits and not one single person has any knowledge of a hold/harmless letter. XXXX XXXX informed me this morning that I have until XX/XX/2021 to submit this letter or I will lose my funds. Please be advised ... it took XXXX XXXX XXXX 20 minutes to provide me with the XXXXndemnity hold/harmless letter. I have been trying since XX/XX/2021 to obtain said letter to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Ive been sending letters since 2018 to this collection agency and have not received anything I try to dispute it and have not heard back anything the collection agencies no reporting the information as valid I have no contract with this company no written signature or no validation of this that I dont know who this company is

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I received a text stating : This is an automated message- Last attempt!!! this message is intended for XXXX XXXX. Complaint in process of being Filed out of XXXX. Please contact Issuing Firm at XXXX / Reference # XXXX I called the number and we got into a heated conversation with someone claiming to be Mr. XXXX. 
He threatened me with a law suit. When I accused him of a scam, he read out my Social Security number and my date of Birth and my current residential address. He then threatened me with knowing all of my personal and financial information ... 
I don't know if I should now cancel all of my credit cards : change all of my passwords with my banking and stock trading platforms ASAP .... I feel like my whole self and family are now in danger of being scammed or in danger ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I received an alert from my Credit monitoring service on XX/XX/2021 that accounts were opened in my name using my personal info, at PNC Bank on XX/XX/2021. I do not, nor have I ever had any past dealings with PNC Bank. I contacted PNC to alert them of this fraud and thankfully the accounts were subsequently flagged and closed before any transactions were able to take place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I am writing in response to collection, Act. # XXXX, XXXX XXXX, in the amount of {$300.00}. 

I am victim of identity theft and would like Med Data Sys to provide proper validation, above verification, of any relationship established with Med Data Sys or XXXX XXXX. I am exhausting all efforts to quiet this claim and request Med Data Sys System, prove that this debt is valid. 

If I do not receive proper validation within 45 days or less, you are obligated to have this negative reporting removed from my credit file permanently. This letter is in accordance with FDCPA, 15 U.S. Code 1692g. ; FCRA, 15 U.S.C. 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 2021-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
XX/XX/XXXX : Paypal limits my account with a balance of {$8200.00} USD - no funds can move in or out of the account. They ask me for various documents to confirm the identity of my person and business, as well as information on some transactions which I immediately provide in full. XX/XX/XXXX : Paypal denies my documents and explanations describing the products/services and states it can not be accepted. My account remains locked and I still don't have access to my funds. I am sent the following form reply : " At this time, the limitation on your PayPal account can not be removed until the below issues are resolved. To help us resolve this, you will need to : - Describe the products and/or services associated with your PayPal transactions. Please refer to : - Transaction XXXX from XX/XX/XXXX for the amount of $ XXXXUSD - Transaction XXXX from XX/XX/XXXX for the amount of $ XXXXUSD - Transaction XXXX from XX/XX/XXXX for the amount of $ XXXXUSD In response to this, I send in the requested info again, with descriptions and links to the highest level of detail possible. I also call Paypal 's phone line asking why my responses are being denied and what I can be doing to rectify the situation. They tell me they don't have a way to contact the compliance department responsible for making the decision, and tell me the best they can do is to make an educated guess about what they might want. Upon asking for a way to reach the compliance people myself, they tell me that they do not accept customer phone calls and will only accept communication and documents uploaded directly to PayPal. XX/XX/XXXX : Through email, Paypal informs once again they can not accept my responses and the limitation on my account can not be removed. My account remains locked and I still don't have access to my funds. I have repeatedly offered different explanations, documents, and screenshots 4 times, yet Paypal only sends automatic robot responses saying the limitations on my account are here to stay and that my responses were not good enough with no further explanation. They are holding my funds hostage.

They previously denied my complaint stating that my account is not in the US therfore they can not do anything. However, my account balance is in USD, and my company is registered in the USA also.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, orders were placed with XXXX XXXX for the amounts of {$4300.00} ( order # XXXX ) and {$4200.00} XXXX order # XXXX ), respectively. Both of these orders were returned and the money was sent back to my account ( which can be seen in the attached documents ). On XX/XX/XXXX, these same amounts were charged to my account. 
I filed a dispute with PNC and they gave me provisional credit. On XX/XX/XXXX, I spoke with a representative who told me that I would be receiving a document in the mail that needs to be filled out and faxed. I received that letter on XX/XX/XXXX. Then on XX/XX/XXXX, the dispute was closed stating that I did not give the proper documents when requested. I called PNC and told them that they did not give me a reasonable amount of time to send in the paperwork and they said my only recourse was to open an entirely new dispute, but this time I would not be receiving provisional credit. This put my account negative {$8000.00} which also accrued fees day after day. 
While the dispute was happening, they decided to close my account because it was negative for too many days. I then went to my local branch on XX/XX/XXXX to ask what was happening. I was told that the account was closed but the disputes were still active and a letter was sent to me on XX/XX/XXXX requesting additional information. Again, I did not receive this letter but I was able to fax the documents with the PNC associate in the branch. Today on XX/XX/XXXX, I was on a conference call with a PNC associate and two different XXXX XXXX employees. Neither of the XXXX XXXX employees in the customer service nor the disputes department knew what these second charges were and did not see any record of the refunds being taken back. The PNC associate I had on the phone confirmed that these charges I received on XX/XX/XXXX were not new charges, but the reversed refunds. 
I asked the associate if we can rule in my favor in regards to the dispute and she said it is up to me to go to my local XXXX XXXX to try to resolve this further. They also mentioned that if they don't hear back from XXXX XXXX, they will close the dispute and leave me with the bill. Again, XXXX XXXX 's disputes department did not see any record of this refund being taken back. I believe this is PNC 's way to hand this off to me after they were given everything they needed in order to charge this back and settle the dispute as resolved. 
This issue has not only caused my only checking account to be frozen, but I also cant open up any other accounts at financial institutions until this matter is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: CCS Financial Services, Inc.
State: DE

Complaint narrative:
I contacted Credit Collection Services because they are falsely reporting a XXXX account as collections when I don't owe them nor do I have a balance with XXXX. CCSalso never contacted me prior to this insertion. I called XXXX and was told the only thing I can do is print out the account showing XXXX balance. CCS told me there's a balance and they aren't removing it. I have access to my old XXXX account which shows XXXX balance. I have no business with CCS, and they are refusing to delete this negative reporting off of my credit profile. 
I contacted them by phone today XX/XX/XXXX, as well as XXXX. I received a notification that a collection was added to my credit profile on Saturday XX/XX/XXXX. The Collection states I have a balance of XXXX to XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK
State: FL

Complaint narrative:
I have to 2 credit card accounts opened on my credit file fraudulently I have been goin back and fourth with XXXX  for 9 moths the other credit bureaus XXXX and XXXX removed the fraudulent files ... XXXX keeps staying its accurate but when I contacted the original lenders they cant even prove my identity. The accounts was opened online they stated and didnt have much of my accurate info so thats why its fraudulent opened accounts ... Please this has been dragging my credit score up and down thru the mud its already bad we are in a pandemic please help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-17 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: NV

Complaint narrative:
I reached out to Equifax Dispute center for investigation and verification of a wrongfully reported account on my report. It has been over 30 days and I havent received any response or documents with any signatures or validation. 

Account : XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
On XX/XX/2021 I deposited a {$1200.00} stimulus check into my business account as I don't qualify for a payroll protection loan. I'm the only person who works at my salon. On Sunday XXXXthe funds were taken out for some reason and no one at Bank of America can tell me why.

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 2021-05-17 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
Hello back in the end of XXXX i got married and i got a vanilla gift card as a gift from a relative, i activated it and a couple days later i tried to use it just to find out it was already used even the last pennies i never used the card and none used it because i had it in my wallet i contacted vanilla customer service which is very complicated to reach them it took me forever but i got to them finally, i explained them what happened and they said they were going to find out what happened and it has been almost three years and now when i try to check the card it says number is invalid, does not make sense bacause it clearly says it never expires amd the exp date is XXXX and of course i can't get ahold of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
Payment of debt of {$300.00}. was made in XXXX of XXXX and the debt is still showing on my against my credit report. I called the company as recently as XX/XX/XXXX to tell them to removed and it is still showing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In XX/XX/XXXX, I received an SBA and PPE loans for my business. The business loans ( SBA and PPE ) were deposited ( electronical to the personal account and Im the only owner of the business ( corporation ). After about one year Santander bank locked my account, for the reason that business loans were deposited to the personal account. I provided Santander with the full verification of my business, including Federal tax return and check that verified that money was put back to business account to pay business expenses of the hair salon that was closed for during the Covid pandemic. The bank locked my account, which had other funds beside these loans, like unemployment payments and others personal fund. All my bill because of the lock account were overdrawn. On XX/XX/XXXX bank returned my money back. I informed lenders XXXX and SBA to reissue checks, but it was rejected due to timing Santadler bank malpractice cause loss of more than {$10000.00} of SBA loans that my business needed.

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 2021-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a car that I've been I've been buying for 3 years One Missed payment in XXXX they took a hundred points unreal I need to relocate and I need my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
I opened a CD with Goldman Sachs on XX/XX/XXXX. It auto-renewed on XXXX/XXXX but I received notification of the renewal on XX/XX/XXXX, which is after the ten day grace period for renewal. I called the company and was told that the procedures for renewing are disclosed in the DD & A. 

I think waiting to notify an investor of a CD renewal AFTER the grace period is not within the rules of fair disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: CCS Financial Services, Inc.
State: LA

Complaint narrative:
On XX/XX/2021 I filed a complaint against Credit Collection Services for them violating my HIPPA rights on XX/XX/2021 I received a response that the account would be closed and there would be no further collection attempts on this account however they instead updated the account with XXXX and XXXX as paid after charge off. This is false information and needs to removed from my credit report before I take further action. I've attached the company 's response from the previous complaint for proof.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Experian, please be advised that this dispute concerning the bankruptcy case XXXX is not a dispute based on rather I actually filed the bankruptcy or not, but this is a dispute based on the facts that the bankruptcy you are reporting on my credit report was improperly obtained, which makes the bankruptcy evidence inadmissible for you to report, be advised that I am not denying that I filed the bankruptcy case XXXX. In court of law when evidence is inadmissible it can not be used. Attached to this dispute is a letter from XXXX, which is the consumer reporting agency that you obtained the bankruptcy information from that you are reporting on my credit report. You will notice that the letter from XXXX states that they removed the bankruptcy case XXXX from my XXXX file, because they were not able to give me a proper method in which they obtained the bankruptcy information they reported to you. Since the 3rd party source, you got your information from deleted the bankruptcy from their file, you are obligated under law to delete the bankruptcy from my credit report, otherwise you are reporting inadmissible evidence, which is a violation of the XXXX and FCRA law. In your last response you sent me, you indicated that I could dispute with the source that you obtained the information from, and now I am showing you that the source you got your information from has removed the bankruptcy from my file. I expect for you to remove the bankruptcy you are reporting on my credit report, otherwise I will be forced to initiate a lawsuit with all the documented evidence I have. 

Also, be advised attached to this complaint is another letter from Experian stating that they tried communicating with Experian, but Experian never responded. 

Please few all documented proof that is attached to this complaint!

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 2021-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CT

Complaint narrative:
Lady keeps calling me about 5 times a day and was saying they ( HSB XXXX are trying to collect on a old debt. She knew my social security number! I do not have any negative debt showing on my credit report! When I told her that the debt no longer exists, she hung up on me. Phone # is XXXX from XXXX XXXX, N.C. She said her name is XXXX XXXX I did tell her to mail me a letter if this call is actually legit!

Company response to consumer: Closed with explanation