vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-06 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: IN

Complaint narrative:
I had an auto loan with XXXX XXXX XXXX XXXX that was closed and written off with a balance of {$3300.00} as of XX/XX/XXXX. XX/XX/XXXX I tried to get this old loan take off of my credit report. XXXX XXXX XXXX XXXX then increased my balance on a closed written off auto loan to {$4200.00} as of XX/XX/XXXX. This is fraud. You can't increase the balance on a closed account. I disputed this information with Equifax and nothing was changed on my credit report. Please fix this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
XX/XX/2021 I received funds from my friend, later that day PayPal Inc, confiscated my money for 180 days, I waited the days to be over, after which I tried to reach them but no response. I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: AL

Complaint narrative:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by EQUIFAX. Despite sending them the last letter, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX/XXXX  Inquiry Date XX/XX/XXXX ; XXXX/XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Collection of {$700.00} At 4 years ago Is showing at my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XX/XX/21 I made a bank to bank ach transfer in the amount of {$9000.00} from my Huntington bank savings account. The money left the account on the XXXX. 3 days later I go into the bank withdraw remaining balance and closed the account. When my credit union did not receive the money I returned to Huntington to inquire, they told me that the money had been returned and since I had closed the account they resubmitted it. It hasnt been seen since. Huntington bank has been unable to give me any answers as to where it is now or if or when Ill bet it back. The account it was sent to was a verified account also in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA

Complaint narrative:
This week I contacted XXXX  multiple times over chat and phone to ask for help. No one has been able to assist. I has disputed transactions that I reported and the company canceled the card. They issued a replacement. It takes 7 to 10 business days for the card to reach me according to Wisely. They did not offer at first to expedite the replacement. I got paid on XXXX and I can not access it in this account without the replacement. I can't move the $ through XXXX. My pay is entirely stuck. I have bills to pay and travel next week for work. When I got to speak to a manager yesterday XXXX, he offered to send a card via 2 business day shipping but said I would have to pay for it. I refused and asked for additional assistance and he hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

The Credit Bureaus are reporting inaccurate information on CREDIT COLLECTION SERV ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
CARTER-YOUNG INC at ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX ) has been sending me collection notices in the amount of ( XXXX ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company Carter Young Inc. This company does not have a contract with my signature.

Also, Carter Young Inc sent me part of my medical records or personal information. I intend to make an official complaint because they have violating HIPAA and I did not authorize them and I did not sign a HIPAA form authorizing this agency to access my medical records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: NY

Complaint narrative:
On XX/XX/XXXX I personally received an email for the Executive Office of Discover.

As I stated the Consumer Protective Agency is involved and your company must follow the protocols. This debt was charged off and closed. 

This company wants to go around the federal government to engage in harassment or abuse. They don't want their communications seen by the Federal Government. 

I do not want any contact with this company. 

My last payment to the account was in XXXX. They put three payments on in XXXX illegally in order to ruin my credit and to restart the debt clock. All of my payments were made by United States Postal Money Order. They can produce the payments " they claimed '' was made to the CFPB by scanned document. I only paid with United States Postal Money Order.

IF they can't produce this I am requesting the account be removed from my credit. The account has reached 6 years 4 months. Early Exclusion rule applies. This company has reported different dates to each creditor as to when the account was opened and when the last payment was made. XXXX XXXX stated Discover told them the account stays on until XXXX. The account is supposed to come of in XXXX. Early XXXX. Last payment XXXX of XXXX. It has been 6 years and 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
According to the FCRA 15USC 1681i ( 5 ) ( B ) ( i ) ( ii ) ( iii ) once information is deleted it shall not be reinserted. There are various accounts that was deleted that has reappeared on my credit file. These accounts needs to be removed and blocked immediately. This reinsertion is a violation of my rights. 
The accounts that need to be deleted XXXX XXXX-XXXX- {$60000.00} XXXX XXXX-XXXX- {$5000.00} XXXX XXXX-XXXX- {$6800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have disputed XXXX XXXX account ending XXXX multiple times. I disputed the charges XXXX XXXX stated I owe XX/XX/XXXX. I filed a dispute with with credit bureau with no resolution. I recently sent a certified letter to XXXX XXXX disputing inaccuracies information XX/XX/XXXX and received a letter stating that since this account wasnt disputed within 60 days they are not required to investigate. I disputed this account with the credit bureau XX/XX/XXXX. XXXX XXXX  never validated the debt they stated I owe. I disputed unauthorized charges to my account XXXX XXXX made without resolution. My dispute was in the 60 day law requirement. I sent evidence to experian and they failed to properly investigate.

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 2021-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX admitted to selling my information without my permission to Midland Credit Management. Both businesses refuse to validated, and this not my account. The address, XXXX XXXX XXXX, XXXX, Ga XXXX, is I never lived and on farther investigation it is a hotel ( business ). This is really affecting my quality of life and I would like it off my credit report now. More than investigation in the matter I seen that my rights were violated based on FDCPA Laws as follows : 15 USC 1692, 1692a ( 3 ) Definition of a consumer as any natural person obligated on or allegedly obligated on a debt ; 1692 a ( 5 ) Definition of a debt as an obligation for money, goods, insurance, or services for primarily personal, family or household purposes ; and 1692 a ( 6 ) Definition of a Debt Collector as collectors, collection agencies, etc

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AR

Complaint narrative:
Starting in XX/XX/2021, I started disputing these unknown accounts with all Three ( 3 ) credit bureaus. I would receive notification that the accounts were " verified as accurate and updated '' These accounts do NOT belong to me. The original debt was with XXXX, and sold to Jefferson Capitol System. When I dispute, Jefferson Capitol sends me an offer to pay and delete. I sent a Method of Verification, and instead of sending me what I requested, they again sent me an offer to pay and delete. 

The XXXX XXXX account does NOT belong to me, and I have no knowledge of this account either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: Block, Inc.
State: OH

Complaint narrative:
I had lost my wallet with my cash app card in it in XXXX. since then I have tried at least 3 times to get a replacement card. Each time cash app support asks me to wait two weeks and each time I waited the two weeks. In the meantime I have debts to pay and my paycheck was directly deposited in Cash app. I had no way to withdraw any of my money. I repeatedly discussed other ways of withdrawing money like a XXXX XXXX  card. Support said that it would work. when I tried I was told Cash App doesnt support that bank. I just need them to actually mail me a replacement card. Anyway, thanks for listening. My name is XXXX XXXX, XXXX XXXX XXXX, XXXX, Ohio, XXXX. My email is : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
Account Name : NATIONAL CREDIT ADJUSTERS Account Number : XXXX Balance : {$500.00} This letter is a formal complaint against NATIONAL CREDIT ADJUSTERS, a collection agency located at XXXX XXXX XXXX XXXX XXXX XXXX. They have repeatedly violated my rights per the Fair Debt Collection Practices Act and I'm just over my head with this company. I can't take any more of the XXXX  from fooling with this company and them reporting inaccurate and unverifiable derogatory information about me to the Credit Reporting Agencies.

First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. I have asked this company to validate this debt because the date of last activity is reporting inconsistently in all three credit bureaus. 

Secondly, even after debt validation had been requested from them, they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable.

Furthermore, Im aware of the many other complaints against this company for their illegal and unethical collection activity. So this really must be addressed and resolved. My next step is to bring media attention to this issue and also to take this matter to court if I have to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
My identity was stolen which resulted in alleged debt ( s ) that is being reported falsely on my credit report. Furthermore, a third party entity illegally purchased my information and is doing unfair debt collection and reporting practices which has negatively effected my credit, reputation, and financial opportunity to further my quality of life. This is aggravated identity theft. I've filed an identity theft complaint with Experian, and have filed a police report for identity theft as well. There are 10 or 11 accounts reflecting this fraudulent activity and all of them must be REMOVED.

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 2021-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
`1The company chime closed my account randomly. They have received a check from XXXX XXXX XXXX for XXXX ; XXXX XXXX usa dollars. I was in a hit and run accident and my claim denied so I canceled my XXXX XXXX and they sent the policy refund to the account that was closed now they are investigating as they think they made a mistake. I was supposed to get this check over a month ago and the account was closed when XXXX sent it to chime. Im supposed to get a check XXXX XXXX and now they said the check is lost again. I have medical bills and medications as Im federally XXXX and I was XXXX and had XXXX XXXX during this and I really need help getting my money. Ive sent over 50 emails every day asking for anything and they say the same thing over and over, they even call me by my email name and not my account name. Terrible,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc.
State: IN

Complaint narrative:
Today XX/XX/2021 XXXX credit monitoring notified me that I have been reported to AMSHER COLLECTION SERVICES INC, XXXX XXXX XXXX, XXXX, AL XXXX for " nonpayment '' of {$220.00} past due as of XX/XX/2021 on behalf of, XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX dba XXXX XXXX. When we moved into our new house, a false XXXX ( XXXX XXXX ) internet service account was set up in addition to our actual account with : contact, phone, and address information 1 number or letter off of my actual actual information. 

I spoke to a tech supervisor, who looked at everything and speculated that the salesperson @ sold me two networks and 2 sets of equipment for no reason simply to get the sales, and set up that account up with a false name and number. The tech suggested we just remove that network entirely, and I did that, and returned the equipment to XXXX. 

I have already disputed this with the company, with the Collections agency, and with XXXX. XXXX deleted this from my credit report on XX/XX/2021, XXXX and AMSHER did nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: OR

Complaint narrative:
On XX/XX/2021 I had an unathorized charge in the amount of {$1400.00}. I contacted Nordstrom after I saw on my monthly credit card statement. I explained to Nordstrom I didnt buy anything on that date and didnt authorize any charges. Over the phone Nordstrom explanation was Nordstrom did the charge because we credit you in error. I asked them why I was never informed that Nordstrom decided to do charges on my account without my approval. I faxed to them the Nordstrom Credit card dispute resolution Form on XX/XX/2021. No written response from Nordstrom. I contacted them multiple times but was transferred from one department to next. The Nordstrom started to charge me the interest rate for the amount as of XX/XX/2021.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-06 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:
at this point Im stressed and cant believe Over 90 days ago I sent letters about an investigation into items that were INNACCURATE, Unverifiable and Invalidated. To this day I have not received a reply or my investigation results or any acknowledgment that an investigation has begun not even on my credit reports.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.

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 2021-11-06 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:
Im stressed and cant believe to my knowledge its been over 1200 days ago I sent letters about an investigation into items that were Unverifiable and Invalidated. To this day I have not received a reply or my investigation results or any acknowledgment that an investigation has begun not even on my credit reports.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.

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 2021-11-06 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:
Im stressed and cant believe to my knowledge its been over 1200 days ago I sent letters about an investigation into items that were Unverifiable and Invalidated. To this day I have not received a reply or my investigation results or any acknowledgment that an investigation has begun not even on my credit reports.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.

Company response to consumer: Closed with explanation