vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-14 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: CA

Complaint narrative:
I noticed I had a fraudulent account on my credit and I have tried to remove it, but the bureaus have ignored me claiming that this was not sent by me. yes it is sent by me! please remove this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
On XX/XX/2020 I received two transfers to my paypal account. One was for the amount of {$4300.00}, and the other was for the amount of {$8400.00}. The total amount deposited was {$12.00}, XXXX. This money was for the retroactive payment of my unemployment benefits that I have been desperately awaiting to support myself and my family. On the same day I initiated contact with PayPal and was sent to the message center at paypal for my only point of contact. I have been speaking with PayPal agent via the message center on a daily basis during which time they have requested me to transmit various pieces of information to verify my identity such as bank statements from the two credit cards attached to my PayPal account, a copy of my CT driver 's license, and verification of where such large deposits came from ( my unemployment document ). Now after one week of playing this back and forth game with them, today they messaged me to inform me that they will now send all of my information on to their " back-end '' agents and that they will email me their " decision '' within 72 hours. This is absolutely unacceptable. These funds were issued by the government to me because I am in need of them, and I have already waited many months to receive them. Now paypal is forcing me to wait even longer to access my funds when I have complied with all of their demands. I would like to file a complaint against PayPal for this reason. I have attached a copy of my unemployment payout/ benefits description so that you could see that it matches the total amounts that were deposited into my account on the date of XX/XX/2020

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-14 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
For several months I have submitted dispute request via certified mail to Experian along with all requested identification and proof of identity and address. For several months they have not followed the guidelines according to the Fair Credit Reporting Act and Im another complaint to expose yet another violation. 

XX/XX/2020 I sent a letter requesting verification of how these items are being verified. Section 611 ( c ) of the FCRA provides : " Whenever a statement of dispute is filed,... the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumer 's statement or a clear and accurate codification or summary thereof '' I received no correspondence by mail as requested but instead on XX/XX/2020 did receive an email from Experian advising a new dispute had been open yet failing to provide procedural proof of names, telephone numbers, names etc of all who have furnished this detailed information as my rights have outlined.

I have grown increasingly tired of the scripted emails and stall tactics from Experian!! This is in DIRECT violation of the FCRA section 611. They are continually and knowingly reporting inaccurate and misleading credit information further unfairly damaging my credit worthiness.

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 2020-07-14 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: CA

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from 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 2020-07-14 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: CA

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from 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 2020-07-14 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX  Credit Card ending in # XXXX Was inadvertently REMOVED from my Equifax credit report Reached out to XXXX XXXX directly to have it REINSERTED on my credit report As of XX/XX/XXXX, it is still NOT being reported or REINSERTED to my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: AR

Complaint narrative:
Every time I get a quote for insurance either I was ineligible, or it was too high. I would always ask what the reason for this and I was always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report. XXXX  XXXX {$880.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: AR

Complaint narrative:
Every time I get a quote for insurance either I was ineligible, or it was too high. I would always ask what the reason for this and I was always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report. XXXX XXXX {$880.00}

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 2020-07-14 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: AR

Complaint narrative:
Every time I get a quote for insurance either I was ineligible, or it was too high. I would always ask what the reason for this and I was always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report. XXXX  XXXX {$880.00}

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 2020-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Dear CFPB, I have send numerous debt to validate letters to Portfolio Recovery Services. And all they have send me in response is a old bill with my name and address. Which is not efficient to verify the debt they claim is mines. 

They have fail to send me the following : 1. State what the money you say I owe is for 2. How did you come to determine that amount 3. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe 4. Show me the proof that you are licensed to collect in my state ; provide your license number 5. Provide me with proof that the statute of limitations have not expired 6. A valid, legible copy of the agreement stating the debt and interest charges

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Unable to link investment accounts and so forth.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: PA

Complaint narrative:
I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from 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 2020-07-14 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: Eastpoint Recovery Group, Inc
State: AZ

Complaint narrative:
On XX/XX/20 a voice message was left by a XXXX XXXX XXXX. This writer called the number back at XXXX, wherein XXXX XXXX failed to identify himself, or as a debt collector, and refused to give the name of his company and address until I asked multiple times. In addition, it was found that a hard inquiry was placed on my credit report by EASTPOINT RECOVERY GROUP on XX/XX/20, which was NOT authorized by me in any way, shape or form. You will be receiving a letter and I will expect that this UNAUTHORIZED hard inquiry is removed from my credit report. XXXX XXXX continued to be verbally abusive, yelling at me, not letting me ask any questions, interrupting me when I was trying to say anything, and giving away sensitive information about an alleged debt without verifying who he was actually talking to. This violates the FDCPA in multiple ways. The conversation was recorded and voicemail saved. He claims to have " just received my account '' which was the excuse for why no written communication was ever received by me for this alleged debt. Further, he claims that " you paid on this account for 4 years, and now you are going to act like you've never heard of it ''. Again, he never verified or confirmed who he was actually talking to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Webcollex, LLC
State: ID

Complaint narrative:
In late XXXX/early XX/XX/2020, I received a letter from CKS Financial in the mail, stating I owed " XXXX XXXX '' $ XXXXAccount no : XXXX. After calling ( XXXX ) XXXX ( listed on the letter ) and informing the representative I was not aware of the alleged debt, I was told I could not dispute the aforementioned debt verbally and I would have to submit a written dispute to XXXX ( referenced by the employee and included on the aforementioned letter ). 

On XX/XX/2020 at XXXX XXXX-mst, I sent a formal dispute for the alleged debt referenced in account no:XXXX via email to XXXX. The sent message read as follows : " To Whom It May Concern ; My name is XXXX XXXX. I am writing to inform your company that I have no knowledge of the alleged debt referenced under CKS account number XXXX. I am formally disputing this debt and requesting validation of debt for the aforementioned account. Furthermore, I am reminding your company of the federally mandated responsibility your company has to produce requested validation of this alleged debt that is provided in detail through the Fair Debt Collection Practices Act. Failure to fulfill the previous request will result in complaints filed with the Federal Trade Commission, Consumer Finance Protection Bureau, and legal action against your company for violations of the FDCPA. Validation of the alleged debt can be mailed to XXXX XXXX XXXX. XXXX. Thank you. 

XXXX XXXX '' I never received the requested information regarding the alleged debt in any form. The next communication received was on XXXX at XXXX XXXX-mst via my personal email ( XXXX ) in the form of a settlement offer regarding the same alleged debt. Upon contacting CKS, I was transferred to " XXXX XXXX '', who claimed to be an operations manager for CKS. Upon questioning why my request was simply ignored, " XXXX '' stated he was not aware of any communications. Further, he claimed he had no knowledge of what the Fair Debt Collection Practice Act was. Upon informing " Mr. XXXX '' of my intent to seek legal counsel, he responded with " that call is not going to happen. '' The call abruptly ended after my statement that " playing stupid would not get him anywhere. '' " Mr. XXXX '' and CKS Financial are in clear violation of federal mandates regarding debt collection and I seek to have this event investigated. I will be contacting my lawyer to pursue them under clear violations of the FDCPA and kindly ask them to be held responsible for their illegal conduct by your organization. I can be reached at ( XXXX  ) XXXX or XXXXXXXX to provide any additional information. Thank you in advance for your time and consideration of the matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: PA

Complaint narrative:
I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from 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 2020-07-14 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: TX

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Amazon requested a copy of any government assistance program card in order to give discounts on item prices and services such as prime. I sent a copy of my XXXX card on XX/XX/2020 and after 30 days of sending them my XXXX card I still have not received any benefits from sending them my XXXX card, however, exactly one month after they received my XXXX card the Amazon Synchrony Store Card lowered my credit limit to 25 % of what it was before ( from {$400.00} to {$100.00} ). They claim that I was late twice on the card and that this was the reason they lowered my balance, however, in the last month I have almost paid off the card and also I have signed up for auto payments as to not miss any deadlines. I strongly feel that the company is discriminating against me because I have XXXX. They secretly are screening people to lower their credit limits just based on whether they receive government assistance. My credit score is higher than when I initially received the card from them with a {$650.00} credit limit, and on my credit report I have no late payments. 

I want them to restore my credit limit as I was trying to keep my credit balance to limit to balance ratio below 30 % as to improve my score even more and suddenly they lowered my credit limit therefore increasing my ratio suddenly and without my knowledge. 

I request to have my credit limit set back to {$650.00} or at the very least {$400.00}.

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 2020-07-14 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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

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 2020-07-14 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: TX

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

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 2020-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
It says PNC will not authorize a link to my debit card to round up change and add it to my XXXX  account for investment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. XXXX XXXX   XXXX {$1700.00} XXXX XXXX {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
I needed to renew my income driven Repayment Plan on my loans. I was paying a bit under {$30.00} a month and although my income changed a bit they are quoting me {$800.00} a month. After I was asked to resubmit the appropriate application and proof of income they quoted me {$280.00} but keep stating they do not receive my paperwork. I have mailed in by paper 2 times and uploaded all necessary paperwork on their web page 4 times. Each time being told that something was still missing. Today was the 5th time I am sending proof of income. I am told to call back on Thursday to see if it is received and if my payments will change ( for the 4th time ). 
Note to others out there : Always take names and dates of who you speak to and send mail certified.

Company response to consumer: Closed with non-monetary relief