vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-18 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: National Consumer Telecom & Utilities Exchange, Inc.
State: IL

Complaint narrative:
NCTUE continues to falsely report on my file XXXX fraudulent accounts, one being XXXX XXXX XXXX XXXX fraudulently set up on XXXX XX/XX/XXXX for another XXXX XXXX XXXX customer XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX, who paid XXXX XXXX XXXX XXXX ( which did not come from any account under my control ) XXXX months between XX/XX/XXXX and XX/XX/XXXX but was only able to set up this account by an XXXX XXXX XXXX employee who was willing to compromise my now former ( as of XX/XX/XXXX ) account information. NCTUE report # XXXX reflects theses amounts however in report # XXXX the payments have been suspiciously removed. Please note that NCTUE also allows it {$2.00} XXXX partner XXXX to paginate reports just to confuse the average consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX  AND XXXX XXXX XXXX should not be reporting to Equifax ; XXXX and XXXX inquiries on my credit report. ( Please see page attached. ) I only gave permission for a soft pull, and I was assured by the agent, that only a soft pull would be submitted. Unfortunately, right after the soft pull was submitted the agent submitted a hard pull credit report request. Consequently, these multiple inquiries are now appearing on my credit report. I have attached ( XXXX ) emails for reference. The first email dated XX/XX/2020 clearly shows I only gave permission for a soft pull. The second email dated XX/XX/2020 is correspondence I received back wherein the agent acknowledged that a hard pull was submitted shortly after the soft pull was submitted. The agent stated in this email that it appears to me that my inquiry for the hard pull credit report had no impact on your scores. This statement is not true. Multiple inquiries, in fact, do harm your credit score and I request that these inquiries be removed from my credit report. I have contacted XXXX XXXX as well as the bureaus to have these inquires removed however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX  AND XXXX  XXXX XXXX should not be reporting to XXXX ; XXXX and Transunion inquiries on my credit report. ( Please see page attached. ) I only gave permission for a soft pull, and I was assured by the agent, that only a soft pull would be submitted. Unfortunately, right after the soft pull was submitted the agent submitted a hard pull credit report request. Consequently, these multiple inquiries are now appearing on my credit report. I have attached ( XXXX ) emails for reference. The first email dated XX/XX/2020 clearly shows I only gave permission for a soft pull. The second email dated XX/XX/2020 is correspondence I received back wherein the agent acknowledged that a hard pull was submitted shortly after the soft pull was submitted. The agent stated in this email that it appears to me that my inquiry for the hard pull credit report had no impact on your scores. This statement is not true. Multiple inquiries, in fact, do harm your credit score and I request that these inquiries be removed from my credit report. I have contacted XXXX XXXX as well as the bureaus to have these inquires removed however, I have not been successful.

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 2020-12-18 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: CA

Complaint narrative:
XXXXXX/XX/XXXX XXXX XXXX should not be reporting to XX/XX/XXXX ; Experian and XX/XX/XXXXinquiries on my credit report. ( Please see page attached. ) I only gave permission for a soft pull, and I was assured by the agent, that only a soft pull would be submitted. Unfortunately, right after the soft pull was submitted the agent submitted a hard pull credit report request. Consequently, these multiple inquiries are now appearing on my credit report. I have attached XXXX 2 ) emails for reference. The first email dated XX/XX/2020 clearly shows I only gave permission for a soft pull. The second email dated XX/XX/2020 is correspondence I received back wherein the agent acknowledged that a hard pull was submitted shortly after the soft pull was submitted. The agent stated in this email that it appears to me that my inquiry for the hard pull credit report had no impact on your scores. This statement is not true. Multiple inquiries, in fact, do harm your credit score and I request that these inquiries be removed from my credit report. I have contactedXX/XX/XXXX as well as the bureaus to have these inquires removed however, I have not been successful.

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 2020-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: OH

Complaint narrative:
We received a modem for our childrens schooling. Was supposed to be free for first 2 months. We never used it and returned it. We were billed. I contacted XXXX  and they agreed. Now we have a bill in collections for something we never even used or have anymore. We were assured it would be taken care of. Now debt was sold with no explaination. Never even received notification for this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
They continue to call. I had to block the numbers. 

They also take money out of my bank account to cover the credit card debt without my authorization. 

I barely have any money but the little I do get, they transfer it out without my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
This is not a duplicate complaint, but I filed a complaint here, requesting to be contacted by PayPal Support. I have attempted multiple times to use their 'Message Us ' option provided on the website, but it does not allow me to ask a specific question, and so there is no way to leave a message there. I could not find an Email address to attempt contact that way. If I call the number provided, no human beings answer, and it is just an automated recording telling me there is nobody to help me, and then hanging up. 
From what I have gathered fro others, leaving a message on either XXXX, or XXXX, never gets a response. So, I am at a loss of how to contact PayPal Support, if there is any way to reach a live PayPal agent anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I previously had a car loan with XXXX XXXX XXXX I had auto payment so I had received a call from their internal collections department but the car actually came from a family members phone and it turns out they are employee use the app to make a phone call to me so I will pick up the phone I contacted XXXX XXXX XXXX they excepted responsibility and I end up talking to the president Call center we could not agree on a solution XXXX XXXX XXXX finally canceled the loan I still have the vehicle XX/XX/XXXX set a XXXX form after several complaints not only to the CFPB but to the XX/XX/XXXX they updated my balance is XX/XX/XXXXbut have failed to remove the account from my credit report they sent a letter to me stating they are no longer collecting on the debt but again they have not removed it 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 2020-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I went to XXXX XXXX on XXXX XXXX In XXXX, OH to purchase a car on Monday, XX/XX/XXXX with a Car Salesman and I concluded the process with a Business Manager to finalize any documents and add ons that I might need. I was asked by the business manager if I would like a XXXX credit card to go toward purchases and declined and was asked two more times but I still declined and I didnt sign any paperwork that is on file or with me that says that I consent to the running of my credit for a credit card. I, then picked up my car on Wednesday XXXX after it was ready. On Friday, XX/XX/XXXX I received an email from the XXXX XXXX website asking me about a new hard inquiry on my account and if it was mine because of the fact that it had no monetary amount and there didnt seem to be a card attached to it. I then sent in a complaint directly with the XX/XX/XXXX website on Wednesday, XX/XX/XXXX and again with Transunion ( through the XX/XX/XXXX site ) on XX/XX/XXXX when I saw that there was still no solution to my issue. I received a response that they found that there was no issue on their end and that it needed to be escalated through consumer finance on Friday, XX/XX/XXXX. There was a document to sign saying that I consent to a credit card but I do not have that document because I declined to sign it.

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 2020-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: PA

Complaint narrative:
HRG calls me every single day for someone named XXXX XXXX. I do not know this person and I have informed them of this and they continue to call and leave robocall voicemails every single day at 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 2020-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I previously had a car loan with XXXX XXXX XXXX I had auto payment so I had received a call from their internal collections department but the car actually came from a family members phone and it turns out they are employee use the app to make a phone call to me so I will pick up the phone I contacted XXXX XXXX XXXX they excepted responsibility and I end up talking to the president Call center we could not agree on a solution XXXX XXXX XXXX finally canceled the loan I still have the vehicle XX/XX/XXXX set a XXXX form after several complaints not only to the CFPB but to the XX/XX/XXXX XX/XX/XXXX they updated my balance is XXXX but have failed to remove the account from my credit report they sent a letter to me stating they are no longer collecting on the debt but again they have not removed it 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 2020-12-18 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: OH

Complaint narrative:
I previously had a car loan with XXXX XXXX XXXX I had auto payment so I had received a call from their internal collections department but the car actually came from a family members phone and it turns out they are employee use the app to make a phone call to me so I will pick up the phone I contacted XXXX XXXX XXXX they excepted responsibility and I end up talking to the president Call center we could not agree on a solution XXXX XXXX XXXX finally canceled the loan I still have the vehicle rXX/XX/XXXX set a XXXX form after several complaints not only to the CFPB but to the XX/XX/XXXX XX/XX/XXXX they updated my balance is XXXX but have failed to remove the account from my credit report they sent a letter to me stating they are no longer collecting on the debt but again they have not removed it from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I previously had a car loan with XXXX XXXX XXXX I had auto payment so I had received a call from their internal collections department but the car actually came from a family members phone and it turns out they are employee use the app to make a phone call to me so I will pick up the phone I contacted XXXX XXXX XXXX they excepted responsibility and I end up talking to the president Call center we could not agree on a solution XXXX XXXX XXXX finally canceled the loan I still have the vehicle XX/XX/XXXX set a XXXX form after several complaints not only to the CFPB but to the XX/XX/XXXX they updated my balance is XXXX but have failed to remove the account from my credit report they sent a letter to me stating they are no longer collecting on the debt but again they have not removed it 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 2020-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I have made weekly payments to my credit card account. 
On XX/XX/XXXX2020 I had a {$50.00} payment scheduled to the credit card account. I received an email on XXXX/XXXX/20 that stated the transfer of my payment was not successful. The reason was stated specifically as " Online Payment Limit Exceeded ''.

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 2020-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: New Century Financial Services, Inc.
State: NJ

Complaint narrative:
I received court documents that I was being sued Was never notified by New Financial of existing debt This debt is no longer on my credit report, they didnt show state to of my account, payments I made prior THey didnt say they have legal right to satisfy this debt - even after I asked Told me there was on docket number with the court that I was not being sued - after that my job received garnishment papers. 
This company has been sued multiple times for using unfair practices and illegal tactics to satisfy debts they purchased. New century financial no longer owns this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/2020, I was the victim of bank fraud. An individual walked into a Bank of America banking center, claimed to be me, and withdrew {$4000.00} from my checking account. The fraudulent transaction occurred in North Carolina ; I live in Maryland ( and was in-state taking a training course ). The individual did not use a stolen check, nor a stolen debit card, nor a stolen ATM card ; I purposefully do not have a debit card associated with this account. 

Through no fault of my own, a Bank of America employee failed to properly verify that this individual was, in fact, the account owner, and then handed the person {$4000.00} of my money. 

Bank of America is taking up to 60 days to investigate this fraud. In the interim, the bank IS NOT providing my a provisional credit of the fraudulent transaction. So, in the midst of a global pandemic, and the upcoming holidays, I am out {$4000.00}, cash. 

I've spoken with Bank of America fraud associates regarding the credit timeline -- I had read that banks must credit customers accounts within 10 days of fraud. Unfortunately, this only applies to electronic transactions and not to in-person teller transactions ( which should, presumably, be more secure ). 

I alerted Bank of America of the fraud on the SAME day that it occurred. I have filed a identity theft report with the FTC. I have flagged my SSN with credit bureaus.

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 2020-12-18 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Commencing on or about XX/XX/2016, I fell victim to a multilayered scam operation orchestrated by XXXX trader platform with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 
Money was transferred from my account via credit in the total amount of XXXXUSD utilizing your services by XXXX XXXX and XXXX, XXXX USD by XXXX XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX account is reflecting a balance and charge off status again after I previously disputed it and it was previously corrected. Original delinquency date was in XXXX if I even believe this account belongs to me ( which I dont because I have disputed that as well but XXXX has failed to provide me with any documentation in re to that dispute just that this is certified as mine! - no promissory note or anything and I have no records of this loan ), It was included in chapter XXXX bankruptcy in XXXX, it was discharged in XXXX, and has a XXXX  balance. This account does NOT meet any criteria for exception from bankruptcy discharge and it was discharged in XXXX in my bankruptcy. I have attached the documentation again from the bankruptcy trustee supporting this - the amount of the loan is included in the amount that was discharged in the trustee 's account record because this was classified as a non-priority private loan that was above the cost of attendance ( Not a student loan per bankruptcy law ). And again, this has already been disputed multiple times and previously investigated. See attached previous dispute resolution and please update account again to included in bankruptcy with XXXX  balance.

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 2020-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
I created my Paypal account on XX/XX/2020, to sell two items I had, on XXXX. My first item sold on the same day XX/XX/2020, I received the payment from the buyer to my Paypal account and I shipped the item the next day via USPS, the buyer received the item and was very pleased with his purchase! The second item sold on XX/XX/2020, and the funds were immediately transferred to my Paypal account, and I shipped the item to the buy the following morning through XXXX and updated the buyer with the shipping status and the tracking number. I understand XXXX and Paypal each have a money hold policy of approximately 30 days. 
I received an email from Paypal Tuesday XX/XX/2020, saying that I can no longer do business with PayPal along with a reference number, and a brief ( and insufficient ) explanation " After a review, we decided to permanently limit your account as we found potential risk associated with it. You'll not be able to conduct any further business using Paypal ''. 
I reached out to Paypal customer service via phone this morning XX/XX/2020, to be told by the agent that Paypal was indeed going to be holding on to my funds for at least 180 days. I asked her why, and she couldn't or wouldn't give me any details ; only saying that their security team identified my account as a potential risk. The agent would not allow me to speak with a Supervisor.

Company response to consumer: Closed with non-monetary relief