vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XX/XX/2021, ,Continued Issues With This Company,,, ( Wells Fargo Bank XXXX,, XXXX XXXX XXXX ,From, ,Wells Fargo Remediation Program , , Administrator, ,Mid XXXX, XXXXWe Talked On The Phone,, And He Went A Few Things With Me About,, Some,, ( Unauthorized Accounts,, That Was Open In My Name, ,And My, ( Deceased Parents Name,,,, Then In XXXX I Received About ( 5 ) Pieces Of Mail From This Company And There Was A, ( Small ) Check For {$19.00}, ,I Will Send Copies Of Everything That I Have, ,And I All So Sent In, ( ( A Special Request,, Letter, ,For XXXX Dollars,, I Will Be Sending A Copy Of My Request

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 monetary relief
Consumer complaint received 2021-06-26 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: NC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2021-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I was a victim of identity theft as a result of being homeless and did not have a physical address in 2013. Numerous accounts were open without my permission. The creditors call and harass me daily for debt. I explained that those debts were not mine. They sent me incomplete billing info with inaccuracies. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and I am still fighting that. I hired a credit repair company to help me with these disputes, as I am new to this. They are not cooperating and stated that they are willing to take a settlement. I don't know what else to do so I am finally coming to you guys for some guidance please.

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 2021-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I received this letter that is attached from National Credit Systems after sending a request for them to validate the alleged debt to them. They claim that they did not receive sufficient information to validate my " dispute '' or more so my debt validation letter. I have provided both my name and my address which should be more than enough for them to locate any file of an alleged debt that they may have in their system. They also stated that they are a third party debt collection agency and their efforts are solely on behalf of the current creditor, who has previously validated the alleged debt. Pursuant to 15 USC 1692g once a consumer notifies a debt collector in writing that they are disputing the alleged debt the debt collector must cease the collection of the alleged debt and obtain verification which should then be mailed to the consumer within 30 days. National Credit Systems has failed to do so. Under 15 USC 1692 a debt collector is defined as ANY person who uses ANY instrumentality of interstate commerce or the mail in any business the principle purpose of which is the collection of any debts, or who regularly collects or attempts to collect. This means that the original creditor that National Credit Systems has claimed they are collecting on behalf of is also a debt collector. TWO DEBT COLLECTORS CAN NOT HOLD THE SAME DEBT, THAT IS AN ACT OF CONSTRUCTIVE FRAUD. So, my question is who owns this alleged debt? 

Being that National Credit Systems is the one who is actively trying to collect on this alleged debt clearly means that they were responsible for answering and providing the following : 1. Signed agreement debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector.

2. Was this debt assigned to a debt collector or purchased?

3. Amount that was paid if debt was purchased.

4. Date of original charge or delinquency Since they have failed to provide any of this information and they have clearly missed the 30 day mark that was granted to them for providing this information for this alleged date. As a consumer I am seeking the following remedies : 1. All references to this account be deleted and completely removed from my credit file.

2. A copy of such deletion request be mailed to me immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I have been a customer of Capital one for numerous of years. Capital One mailed out credit cards to my old address. I never received the cards that Capital One mailed. I reported to Capital one that I had moved and requested for them to change my address to my new current address. I contacted Capital One to dispute the fraudulent charges on the cards. Capital One was removing money from my bank account to cover charges on the credit card. I contacted Capital One to make them aware that they were taking money each month for the credit cards that I never received. I explained to Capital One that they had mailed new credit cards to my old address and someone at the old address was using the credit cards. But I had already informed Capital One of my new address. My Capital One credit cards were set up on automatic payment draft from my bank account ending in XXXX ; I have never been late on a payment to Capital One. I dont understand how Capital One could continue to draft money from my bank account on credit cards I never received, nor have the cards. I have called Capital One numerous of times to try to resolve this problem. Capital One change the credit cards numbers and never sent me the new cards. I called Capital One to explain this to them. Capital One suspended my credit cards and trying to make me pay for credit cards that I havent never received or used. I received a bill from Capital One today in mail at my new address with a lot of interest charges as well as fraudulent charges. This is totally unfair to me, I have been a very good customer and never paid a bill late to Capital One. Capital one refuses to help me get my cards back.I had my Capital one cards set up online, Capital One deleted my account information, I have no online access to any of my card products from Capital One. This is illegal practice on Capital One behalf and I need help. I dont owe Capital One any money, they have been drafting money from my bank account for years to pay for fraudulent charges that they sent or said they sent to an old address of mine, I however called Capital One and made sure they had my current address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian continues to report inquiries that I did not consent to, authorize, nor benefit from.

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 2021-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Keeps Selling An Alleged Debt They're Trying To Say That I Owe To 3rd Party Companies. I Have Never Entered Into Agreement With Any Of These 3rd Party Companies Such XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. I Have Demanded That All Of These Collection Companies Provide Proof Of Validation Of The Debt, Which None Of Them Have Been Able To Do So. This Is Negatively Effecting My Credit Score And This Needs To Stop Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was a victim of identity theft as a result of being homeless and did not have a physical address in 2013. Numerous accounts were open without my permission. The creditors call and harass me daily for debt. I explained that those debts were not mine. They sent me incomplete billing info with inaccuracies. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and I am still fighting that. I hired a credit repair company to help me with these disputes, as I am new to this. They are not cooperating and stated that they are willing to take a settlement. I don't know what else to do so I am finally coming to you guys for some guidance please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX continues to report inquiries that I did not consent to, authorize, nor benefit from.

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 2021-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I was a victim of identity theft as a result of being homeless and did not have a physical address in 2013. Numerous accounts were open without my permission. The creditors call and harass me daily for debt. I explained that those debts were not mine. They sent me incomplete billing info with inaccuracies. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and I am still fighting that. I hired a credit repair company to help me with these disputes, as I am new to this. They are not cooperating and stated that they are willing to take a settlement. I don't know what else to do so I am finally coming to you guys for some guidance please.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY
State: AZ

Complaint narrative:
I'M NOT REALLY SURE HOW I CAME INTO CONTACT WITH XXXX XXXX XXXX COMPANY, BUT AFTER AN AGENT REPRESENTING THE COMPANY CAME OUT TO MY HOME, COMPLETED THE CONSULTATION, I WAS INFORMED THAT I QUALIFIED FOR SOLAR. MY CREDIT WAS RAN AND I WAS APPROVE FOR FINANCING. THIS TRANSPIRED IN XXXX OF XXXX. SEVERAL MONTHS WENTS BY WITH NO CONTACT IN XXXX OF XXXX I CALLED THE NUMBER ON THE CONTRACT THAT WAS LEFT AT MY HOME FROM THE INITIAL VISIT AND WAS INFORMED THAT THE INSTALLERS WOULD ARRIVE THE FOLLOWING WEEK. THEY DID ARRIVE AND THEIR WORK VAN HAD LOTS OF EQUIPMENT IN IT AND ON TOP. I WAS EXCITED THAT MY SOLAR WAS BEING INSTALLED. SOLAR PANELS WERE INSTALLED AND A BOX SIMILAR TO FUSEBOX WAS MOUNTED ON THE SIDE OF MY HOME, NOTHING ON THE INSIDE OF IT, JUST THE BOX. I NEVER HEARD ANY MORE FROM THE COMPANY. THEN XX/XX/XXXX SPRUCE FINANCIAL BEGAN CALLING ME DEMANDING PAYMENT. I REQUESTED THAT THEY HAVE THE COMPANY COME OUT AND COMPLETE THE JOB. THEY TOLD ME THAT I OWED THIS DEBT AND I NEEDED TO PAY IT. I ASKED THEM DID THEY HAVE A NOTICE OF COMPLETION AND THEY STATED YES. I ASK DID THEY HAVE MY SIGNATURE ON A NOTICE OF COMPLETION FOR WHICH I WAS PUT ON HOLD FOR SEVERAL MINUTES. A REPRESENTATIVE RETURNED TO THE LINE AND SAID I'M SORRY BUT YOU HAVE TO PAY THIS DEBT. I EXPLAINED THAT I NEVER SIGNED AND WHY WOULD THEY PAY A COMPANY FOR INCOMPLETE WORK. I FEEL THAT THEY WERE WORKING AS A TEAM. THE COMPANY MAKES THE SALE, THE SALESMAN MAKES THE COMMISSION, AND NO MATTER WHAT, I'M ON THE HOOK FOR THE DEBT.MY CREDIT HAS TAKEN A SERIOUS BEATING. MY CREDIT RATE DROPPED OVER XXXX PTS. I'VE ATTEMPTED REFINANCING TO NO AVAIL DUE TO THIS XXXX DEBT. MY MORTGAGE COULD BE CUT IN HALF IF I COULD REFINANCE. I DON'T KNOW WHAT TO DO. IF I SELL, I HAVE TO PAY THE FINANCE COMPANY, LOSING XXXX IF YOUR ORGANIZATION CAN NOT HELP ME, PLEASE TELL ME WHERE I CAN GO.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: PA

Complaint narrative:
These accounts was paid as agreed on time I was never late on theses items listed and this is information is inaccurate and completely false. You can not report inaccurate information this a violation. I have wrote in several times reminding everyone of FDCPA false misreporting so please update account to current and paid as agreed on time. 

Account Name : DEPT OF EDUCATIONXXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : $ {$3500.00} Account Name : DEPT OF EDUCATIONXXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : $ {$6000.00} Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$4500.00} Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$5500.00} Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$5500.00} Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$6000.00} Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$2000.00} Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$2000.00} Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$18000.00} Account Name : U S DEPT OF ED/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$27000.00} Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$23000.00}

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 2021-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have sent in a copy of my driver license and social security card. I have asked that any other names and addresses be removed from my report. I was a victim of identity theft years ago and some names and addresses on my report are incorrect. It had been over 30 days. XXXX is the only report that has updated my name and address. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 2021-06-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: FL

Complaint narrative:
On XX/XX/2021 I logged into my Way2Go child support card and noticed a fraudulent transaction out of XXXX California for the amount of {$3.00} used on XX/XX/2021. I immediately called Way2Go customer service and filed a dispute and ordered a replacement card, and notified Way2Go customer service that I have never been to California nor do I know anybody in California nor have I purchased anything in California. So much to my disbelief, I logged into my account and saw that the same company attempted to use my card again on XX/XX/2021, and even more devastating they used my card AGAIN on XX/XX/2021 multiple times also in XXXX California totaling over {$63.00}! Extremely frustrated I called Way2Go over and over demanding answer how a card that I reported weeks earlier keeps on being used over and over in a state on the other side of the country than me! I never got answers but I got a dispute packet and I filed a police report. On XX/XX/2021, Way2Go had the audacity to deny my claim as fraud and refused to refund any of my money. I called the police in XXXX California and the police there found the actual video surveillance of the criminals that were fraudulently using my card information at XXXX! I then contacted Way2Go with this breaking evidence and they refused to reopen my case or refund my money. I will be getting lawyers involved over this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: OK

Complaint narrative:
I was XXXX in the begining of XXXX. My apartment was XXXX XXXX sometime in the middle of XXXX. My venmo debit card was stolen along with other things. I made a police report the day I was XXXX from XXXXl. I submitted the police report along with the papers showing I was in XXXX to venmo. I had nearly XXXX dollars in point of sales transactions and atm withdrawals all done while I was XXXX. There was no way I could make the purchaces.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: CA

Complaint narrative:
I have submitted several disputes over the last year with Transunion over various issues with my credit report. I have either not received any response at all, which legally they are supposed to delete the disputed items or they are just returning a response that says items have been verified with no substantiation. I believe they have red flagged my account because they breached my personal information after it was supposed to be locked in or around XX/XX/2019 for which they admitted. Although they resolved the issue Transunion has barely if not at all properly handled any of my disputes. Luckily, I have my receipts as well as additional information I received about their handling of my account as I may have to seek a third party legal remedy.

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 2021-06-26 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: IL

Complaint narrative:
I have sent in a copy of my driver license and social security card. I have asked that any other names and addresses be removed from my report. I was a victim of identity theft years ago and some names and addresses on my report are incorrect. It had been over 30 days. XXXX is the only report that has updated my name and address. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I recently pulled a copy of my credit report and noticed the following information is in error. I am challenging the incorrect, inaccurate and obsolete information where Equifax has clearly violated the law and has placed on my credit report. I want this obsolete, erroneous, incorrect, unfair and unduly information removed immediately. Its incorrect and its affecting me from fair credit reporting practices. The balance, account type, the opening date and closed date are all incorrect, erroneous, obsolete and unfair. The creditors contact information to include address and telephone numbers are incorrect and have changed from previous credit reports that I have pulled monthly since XX/XX/2020. When I call the contact number that they listed it's a tele-marker for auto insurance. As stated previously on prior reports the balance is XXXX. I even called the Dept of Education myself and they did verify that I have a XXXX balance and the actual age of the account which is over XXXX XXXX XXXX. This inaccurate information was deleted last year and has reappeared on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
My PayPal account was suddenly closed after nearly XXXX years of business this XXXX. I have tried numerous times to get an explanation to what part of their policy I violated. I was never given a straight answer only repetitive answers that told me absolutely nothing to as what I'd done wrong. The company has placed a hold on XXXX some odd dollars and I don't know why.

Company response to consumer: Closed with explanation