vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BC SERVICES, INC.
State: CO

Complaint narrative:
I never received any communications from this company regarding any bills from XXXX XXXX XXXX. Back in XXXX I went to XXXX  XXXX  which is part of the XXXX  XXXX  network to get a procedure. After receiving the bills in the mail, I sent XXXX XXXX  a check to settle any balance owed at that time. atatched is copy of the letter as well as th check sent to XXXX XXXX. You will also see atatched a copy of my bank statement from XX/XX/XXXX showing the check of {$100.00} which has the number XXXX has been cashed by XXXX XXXX/XXXX  XXXX. so after the check has been cashed, per the letter, the account balance should have been zero and closed. so I'm surprised to see that XXXX XXXX XXXX, after two years is reporting false information on my credit report and trying to collect a debt who doesn't exist and that was settle two years ago. Since it has been more than two years, I can't get a copy of the actual cashed check but if you look at my bank statement, on XX/XX/XXXX XXXX, the check number " XXXX '' has been cashed and it is the same exact check number/amount on the letter sent to XXXX XXXX/XXXX  XXXX. I called wells fargo to request a copy of the check and hope they can email it to me asap

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 2021-03-24 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: OH

Complaint narrative:
I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a compliant with the federal trade commission and the XXXX XXXX  XXXX  because to my knowledge I do not recall any these accounts. I need this problem fix ASAP. I should not have to wait another 50 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from from my credit report it has been over 50 days so they should be deleted promptly

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: OR

Complaint narrative:
This event started began when I attempted to transfer money from my cash app account to my bank account. As near as i can figure my account was hacked and this transaction was taken over by a 3rd party who interfered with it and sent me through a number of money transfers that they said was necessary to verify my identity. The amount to be transferred was XXXX, however the documents that will be attached to this complaint will show that there were many transfers that left with XXXX that was not put back into my account. 
The event began on Friday the XXXX of XXXX and went on over the weekend until the XXXX of XXXX when my suspicions were verified when I discovered CFPB website that described an incident very similar to mine with Cash app and a subsidiary of Square Inc . 
I also have text messages from the two people who were a part of this " scam " XXXX and XXXX that outline their involvement with these transactions. 
I attempted to contact Square inc from the app for support but did not hear back from them until several days later.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLAND FUNDING LLC has been sending me collection notices in the amount of {$5900.00}. The collection has been reported as past due balance. I do not know this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a compliant with the federal trade commission and the better business bureau because to my knowledge I do not recall any these accounts. I need this problem fix ASAP. I should not have to wait another 50 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from from my credit report it has been over 50 days so they should be deleted promptly

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 2021-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Permanent account limitation was unexpectedly placed on my Paypal account without explanation. I have only been using my account to purchase and sell crypto currencies as allowed by Paypals policy. I received an email on XX/XX/2021 that a permanent limitation has been placed on my account and I can not access my funds for the next 180 days. I have tried to contact Paypal via online messaging but was told that all agents are offline ( at XXXX XXXX  PST ). I also tried to use the Resolution Center on Paypal 's website but it did not provide any reason or actual steps I can take in order to resolve this issue. On XX/XX/2021, I finally got through to a live agent by calling Paypals Customer Support after being placed on hold for almost one hour. The Supervisor ( XXXX ) told me that an internal decision has been made that they can not let me access my remaining crypto currencies in the account but declined to tell me which policy I have violated or what has triggered the ban. Paypal has received my drivers license, home address and bank statement in a previous incident similar to this one. My account was restored on XX/XX/2021 and I have received a notification email for the restoration. There has been no transaction in my account since XX/XX/2021.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-24 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I opened an account with XXXX XXXX on XX/XX/XXXX. I deposited the amount required and then deposited more money. On XX/XX/XXXX it seems a letter was sent to me telling me that I have closed my account without any reason provided. 

I called customer service and spoke to a " supervisor '' named XXXX XXXX who told me that they " did not have to provide a reason '' and could close my " account at anytime without notice or reason. '' This bank should be shut down. 

They are a public bank and provided you have not breached a term of the agreement for opening an account, they should not have the option to randomly close your account to avoid paying you the bonus that they promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: FL

Complaint narrative:
I am extremely upset! I was looking at my credit and there are accounts showing that are not mine! How can something like this happen! Why is it that my credit file has someone else account information! Who put this on my credit report? From what i can see this is fraud or an absurd mistake. My credit score is super low and now I am not able to use my credit in a pandemic! My engine in my car is ruined and I cant even get a new car because of this problem! Please help me and investigate this absurd problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: RFNA, LP
State: TX

Complaint narrative:
Republic Finance filed a wage garnishment against me for a debt that I allegedly owe. This company violated the Fair Debt Collection Act by sending information to a court stating that I owe a debt which violates 15 US Code 1692b ( 2 ). This debt collector also never properly served me notice of the wage garnishment. They also viewed my credit report without my permission, violating 1681b by not providing me with a copy of the credit report and the consumer rights. In violating 15 US Code 1692g, this debt collector never validated the debt before taking adverse action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT

Complaint narrative:
I filed a complaint XXXX # XXXX and am still having issues with USAA. 

USAA was supposed to close my account and send me a check. USAA did not close my account and they sent me a check listing my old trust as the pay to order of. I have not been able to get this check cashed. Additionally, I am still getting letters from USAA with statement dates that are after the close date of my accounts ... .which tells me that they have not closed the accounts like they told me. 

Date of check : XX/XX/2021 Check # : XXXX USAA had a copy of the new trust paperwork on file so they should be able to reissue the check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am a victim of identity theft, and Im writing to dispute certain information on my credit file resulting from the crime. On XXXX ( 11 ACCOUNTS ) that where reporting on my credit file where ( REMOVED/DELETED ) without my consent nor authorization. Im requesting for these 11 accounts to be ( RE-INSERTED BACK ON MY CREDIT FILE ) ASAP! WHEN I CALLED TO SPEAK TO A AGENT TODAY I WAS INFORMED THAT MY ENTIRE CREDIT FILE HAVE BEEN DELETED OF ALL OF MY ACCOUNTS AND PERSONAL INFORMATION! THE AGENT ONLY SEE 1 ACCOUNTS REPORTING WHICH IS A ACCOUNT THAT ( IS NO LONGER REPORTING ON MY CREDIT FILE )! I HAVE A TOTAL OF 11 ACCOUNTS THAT ARE REPORTING ON MY EQUIFAX CREDIT FILE!!!!!! I WAS ABLE TO LOG INTO ( MYEQUIFAX.COM ) TODAY ON XXXX AND IT SHOW ALL OF MY PERSONAL INFORMATION, REVOLVING, AND INSTALLMENT LOANS REPORTING ON MY CREDIT FILE. WHEN I CALL INTO THE FRAUD DEPARTMENT OR CUSTOMER SERVICE THEY ARE TELLING ME THAT MY ENTIRE CREDIT FILE HAS BEEN DELETED! THAT NO ACCOUNTS ARE REPORTING AND NON OF THE ACCOUNTS I HAVE HAD ARE REPORTING ON MY CREDIT FILE! I HAVE HAD CREDIT FOR OVER 8 YEARS AND NOW MY CREDIT FILE HAS BEEN WIPED CLEANED! WHAT HAPPENED TO MY EQUIFAX CREDIT FILE? 

I AM ATTACHING MY CURRENT UPDATED CREDIT REPORT THAT IS SHOWING ON ( MYEQUIFAX.COM ) AND ALSO (XX/XX/XXXX) SHOWING THAT ALL OF MY ACCOUNTS WHERE DELETED ON TODAY XXXX!!!!!!!!!!!! 

*************************ATTENTION***************************** MY CREDIT FILE NEED TO BE FIXED AND MY ACCOUNTS NEED TO BE BACK REPORTING ON MY CREDIT FILE ASAPI NEED MY EQUIFAX CREDIT FILE TO BE UPDATED, AND MY ACCOUNTS THAT ARE SHOWING ON MY CREDIT FILE TO BE ADDED BACK ASAP! PLEASE ADD & RE-INSERT THESE ACCOUNTS BACK TO MY CREDIT FILE ASAP!!!!!!!!!!!!! 
***************************ATTENTION*************************** I AM ATTACHING MY CURRENT EQUIFAX CREDIT REPORT AND XXXX XXXX REPORT TO THIS FAX TO SHOW THE ACCOUNTS THAT WHERE REPORTING AND YOUR DEPARTMENT REMOVING THEM OFF OF MY CREDIT FILE! ADD MY 11 ACCOUNTS BACK TO MY CREDIT FILE ASAP!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

PLEASE INVESTIGATE THIS ISSUE IN A TIMELY MANNNER, AND PROVIDE ME WITH A WRITTEN RESPONSE. I HOPE THAT YOU TAKE IN CONSIDERATION MY CONCERNS REGARDING THIS MATTER, AND I HOPE TO BE HEARING FROM YOU IN THE NEAR FUTURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT

Complaint narrative:
I filed a compliant on USAA XXXX # XXXX and am still having issues with my checking account. 

I provided USAA with the new Trust documents. I requested to have my USAA account closed. USAA sent me a check that I can not cash because the check was made out to the old trust name. Furthermore, I was told by USAA that the account was closed. However, I am still receiving account statements on my checking account from USAA. 

Date of check XX/XX/2021 Check # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: LA

Complaint narrative:
someone has been going to the hospital under my identity, which is fraud. I also have active XX/XX/XXXXinsurance, and it is placed for collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CMRE Financial Services, Inc.
State: IN

Complaint narrative:
This allegation of debt is false. I do not owe these people. They refuse to provide complete information. I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. The items were not deleted, as requested. 
This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ).

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. 
Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services
State: PA

Complaint narrative:
I have requested multiple statements a monthly billing statement. At first I was receiving paperless statements and attempted to access my monthly billing statements in the statements section of my online account with no success. I switched to paper billing and have received only one paper bill. I am still not able to access my monthly statement online in the app via the statement section.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
The company is reporting inaccurate and damaging information on my credit report. The company failed to give notice prior to reporting this item on my credit report. They also failed to validate the debt. They are reporting 25 times a charge off on one account. How can any single account be charged off 25 times? A negative remark in XX/XX/2019 and two 120 days late back to back. The date opened, credit limit, responsibility, and payment status is reporting inaccurately. There is also missing information not being reported. This inaccurate data is damaging my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/XXXX someone I do not know somehow managed to send me a paypal payment for {$200.00}. Paypal charged me a fee in order to receive a payment I did not send a request for nor did I ask for and it came from a person I do not even know. Of the {$200.00} payment, I only received a net of {$190.00}. Paypal 's system will not refund the portion that is their fee as that is their apparent new policy, however in this case I'm willing to be it cost itself at least two customers.

Paypals system will not allow me to even partially refund the transaction without the fee attached and instead was attempting to force me to refund the entire transaction from my bank account which does not currently have this money available. This is absolutely terrible. The best part about this is, when the user who accidentally sent me this money called they directed her to file a dispute. A dispute that if it gets escalated to papal now has a dispute fee, talk about double dipping.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Midwest Recovery Systems
State: UT

Complaint narrative:
Midwest Recovery Systems reported to my credit on XXXX  and XXXX  XXXX XXXX stating they were a collection company that took over a XXXX  XXXX  I received from The XXXX XXXX. I paid the amount of {$590.00} XX/XX/2020. and now finding out that they have lied and reported to my credit and stolen my money. The actual account was sent to XXXX and they are now asking for the collection account from The XXXX XXXX. I have call Midwest Recovery System numerous times and all the numbers are disconnected. 
XXXX XXXX XXXXon Bank Transaction {$590.00} XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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:
I am a victim of identity theft and I disputed the fraudulent information with the credit agencies. I did not authorize anyone to use my name or personal information to seek ; money, credit, loans, goods or services described in this report. The credit agencies, refused to remove the fraudulent items after submitting ; FTC report, Police report, credit report, proof of ID and credit report with fraudulent items circled. 


Listed Fraudulent Items below : Account : Account Number : 1. XXXX XXXX XXXX 2. XXXX XXXX  XXXX 3. XXXX XXXX XXXX 4. XXXX / XXXX XXXX 5. XXXX XXXX DEALER XXXX Wrong Addresses : 1. XXXX XXXX XXXX, XXXX CA XXXX 2. 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