vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I dont know what to put here. I have never had a payday loan. I have never even heard of this bank. The personal info I saw listed is a mish mash of real names and places that relate to me personally and then a bunch of nonsense. I feel like the credit bureaus have my real info why isnt that used to fact check or authenticate the error. 

????

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 2021-07-15 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: ERC
State: CA

Complaint narrative:
I had an account with XXXX, and I owed {$2500.00} when the account was closed. I did not have the money to pay it or to even make payments on it at the time. So, they sent it to Enhanced Recovery XXXX XXXX. I've talked to both XXXX and Enhanced Recovery in an attempt to get an itemized bill showing the charges they claim I owe. Somehow, they have the idea that I owe them {$4500.00}. To this day, I have not received a breakdown of the charges, or proof that I even owe this debt. Enhanced Recovery offered me a 50 % discount, but they would not remove it from the credit report. I don't want to pay more than I have to, and since both companies have continuously violated my FCRA rights, as well as the credit bureaus stating that it was " verified, '' I haven't been able to resolve this issue in an acceptable manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Called XXXX to pay debt from paypal credit, last communication was with them in XX/XX/2020. While speaking to them they said they did not have record of my debt and could not find who they sold the debt to. They were unwilling to investigate or help at all and just keep saying we do not have or have ever had an account, im literally reading them their letter and account number, and I have no idea where to go from here as they should by law have the information of who bought the debt from them. 

I then called Synchrony bank who also could not find i ever had an account with them even though i know i have since they are listed on the debt collection letter as original creditor for my paypal credit, they would not send me a letter confirming that they can not find an account for me or anything.

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 2021-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc
State: NM

Complaint narrative:
It started with a emailmessage from a XXXX XXXX to XXXX XXXX A message from Paypal Helpline - XXXX You authorised a payment of {$690.00} USD to ( XXXX XXXX Thanks for using PayPal. Please check the complete transaction details below. 
If you havent made this purchase call PayPal immediately at " XXXX to report and block this transaction. 

So I called the above number and denied this transaction they asked me type in an address in the browser so I did the next message was to type in a code so I asked about a code they gave me one to type in as soon as the code was typed in I lost control of my computer no matter what I did to this day XX/XX/XXXX they still had control of the computer they would not tell me what they doing they said they were transfering the {$700.00} into the bank account XXXX to cover the {$690.00} with-draw-al from the account but insted of {$700.00} a typo was made to {$7000.00} and so now te account showed a balance {$7000.00} so now they wanted their money back but they could not make the reverse transfer work. So they had me go to XXXX XXXX and get 7 Gift cards at a {$1000.00} apiece which I did and charged them to my XXXX credit card Today XX/XX/21 they called and wanted me to go to the bank and withdraw {$21000.00} in cash and mail the money to them but I refused to do so the conversation was some what heated. Later on I tried to get to the consumer finance.gov address but they closed down all the address tabs and locked the computer so I shut computer off and took the computer to the computer shop where it is now for a cleaning and a fresh reload of XXXX XXXX. The people I was talking to, probable were not people representing Pay Pal. Who knows, They had me believing i was doing the right thing that they do these procedures all the time. I went to another computer so i could look at my bank accounts, with out being interrupted, and saw that they did not transfer any money into the bank account, they just moved some of my money, from one account to another to make it look like they deposited money into the account that they claimed to have charged to and then wanted the gift card information to get the money they claimed to have deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK
State: TN

Complaint narrative:
Joint account, other authorized user never paid balance. Account has been charged off please remove from all 3 bureaus. This is greatly impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX, I called Banana Republic ( BR ) to dispute charges to my credit card, as a person called and stated they needed to help me resolve fraudulent charges. A caller had me download an app and was able to access my phone to make charges from my credit card. After an hour, I contacted XXXX and XXXX  as well as BR about the charges. XXXX  has removed the charges as they found I was not responsible, XXXX XXXX the cards that were purchased so no purchases could be made. I have contacted BR multiple time and am currently in a second dispute. On XX/XX/XXXX I contacted XXXX out of the XXXX  XXXX office ; she stated I will receive a email in a few days, and looks as if charges will be removed. On XX/XX/XXXX I contacted customer services ; XXXX stated her needed to redispute, as there was no record of the dispute. XX/XX/XXXX, I spoke with XXXX, who sent a request to dispute Dept regarding the status. On XX/XX/XXXX, XXXX stated he need to make the dispute 2 separate charges because it was initially done as one charge. On XX/XX/XXXX, XXXX needed proof of charges made to bank account ; I sent proof. I received 4 letters since asking for examples of proof of payment that charges were made on a different card. I have stated to 3 separate people that they were not made on a different card, but that XXXX  and XXXX are the XXXX companies that resolved the dispute and XXXX made the cards purchased unusable. On XX/XX/XXXX, XXXX asked me to dispute again. On XX/XX/XXXX I contacted BR to make sure they received my fax. On XX/XX/XXXX I contacted BR because I was receiving notices to pay my bill, was is when I found out that I had to re-dispute the charges again.

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 2021-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: OK

Complaint narrative:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2.

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 2021-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2.

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 2021-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: CO

Complaint narrative:
I am being repeatedly called by a debt collector agency, Harris and Harris. I have checked my credit report numerous times and there is nothing in my credit file about owing any debts. To my knowledge, I also have not received a letter about any owed debt and I have no idea as to what they are referring to. As I do not believe I owe any debts and my credit report doesn't show any, I have no idea why they call me so frequently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Credit Card balance was charged off and nothing is due as of XX/XX/2018. Balance is XXXX. This needs to be taken off

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Union Home Mortgage Corp
State: FL

Complaint narrative:
Loan Number : XXXX Union Home Mortgage took over the servicing of my mortgage effective XX/XX/XXXX. The company is negligent in paying the homeowners insurance that is due. I attempted to reach out to the useless servicing email at the company and the reply was that the next payment for XXXX XXXX will be in XX/XX/XXXX. 

Proof attached shows that the XXXX XXXX XXXX XXXX is DUE on XX/XX/XXXX for a total amount of : {$1400.00}, also, attached is proof that Union Home Mortgage was mailed the declaration pages.

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 2021-07-15 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: GA

Complaint narrative:
This will be my second or third complaint with Equifax consumer services, about the matter of the same issue. I have two unauthorized inquiries on my credit report with Equifax. At first I was told that the inquiries had been removed but got a letter stating that the inquiries had been deleted, then I obtain a copy of my credit report to my surprise I see that the same to inquiries had been put back on my credit report without my knowledge. I called in and was told that I needed to send in a copy of my police report I made with the local state police department in my town, along with a copy of my identification i.e drivers license, and also a list of with the inquires along with the dates of each inquiry. I faxed in those documents XX/XX/2021. I called back and spoke to an agent, I was told by one agent in particular who works with unauthorized inquiries in the fraud department name ( XXXX ) that I would have to provide a police report and a copy of my identification. I told him sent them in and then I called and explained to him my situation and told him that I had been trying to get these unauthorized inquires removed from my credit report for a bit, and he was very insensitive to my situation and told me that my police report that I had made was invalid, and that I would have to make a new police report with the stated inquiries listed on the police report because " it is what the law states. ''. Why wasn't this knowledge made known to me when I first notified you about my unauthorized inquiries? Why do I keep getting the runaround about two inquiries? I understand that pursuant to the FCRA section 609 ( e ) ( 15 U.S.C. 1681g ( e ) states that all you need is a police report claiming identity theft and a " copy of a standardized affidavit ''. I have provided both and still no resolution. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: MA

Complaint narrative:
I received a notice of debt collection, but do not recognize the account.

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 2021-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: NY

Complaint narrative:
Someone stole my identity and opened many accounts without my permission or authority.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I hired a credit repair company as the credit bureaus were violating my FCRA rights, and I couldn't get them to fix errors that were on my report. I thought that they'd be able to do better than me. I was able to get one account off of my report prior to purchasing their services, and it was removed after I'd obtained them. However, it's been over a year, and they've only managed to get one account off. I have asked for a refund, or some results. They claimed that I would get results, and to this day, I still have not seen any more accounts removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Someone stole my identity and opened many accounts without my permission or authority.

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 2021-07-15 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: FL

Complaint narrative:
Ive been a victim for identity theft. I recently checked my credit and found fraudulent accounts on my report. The following fraudulent accounts are 1. XXXX XXXX XXXX ( XXXX {$500.00} XXXX ) The following account is fraudulent, Ive never done business with this company or entered into a signed contract. 

2.. XXXX  XXXX ( XXXX XXXX XXXX ) {$590.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract 3. XXXX XXXX XXXX {$610.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract. 

The following inquiries are Fraudulent 1.XXXX XXXXXXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXXXX/XX/XXXX 3. XXXX XXXX XX/XX/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 2021-07-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NY

Complaint narrative:
On XX/XX/XXXX I consolidated all of my federal student loans with XXXX and made my first payment towards XXXX XXXX Loan Forgiveness ( XXXX  ) on XX/XX/XXXX. In XXXX I learned that XXXX mistakenly did not consolidate all of my loans and my Income Driven monthly payments were being applied in pieces to multiple sets of loans. I immediately sent written complaints to XXXX The U.S Department of Education, and any other authority that could take action. My argument was XXXX XXXXs expectation to have me realize their mistake early on was illegitimate because my monthly payment was based on my income and knowing how they were applying it was not information that would benefit me given that it was XXXX I was pursuing. In XXXX of XXXX I received a letter from XXXX that indicated that they recognized the error they made and I was informed that all of my loans were now consolidated into one ( as I originally requested in XXXX ) and that every payment I made would be retroactively based on my XX/XX/XXXX consolidation. What this means is that my XXXX clock should have began XX/XX/XXXX on my entire student loan file. Please see attached letter. When I recently moved my loans over to Fedloan Servicing ( as required for XXXX  ) and requested the status of my progress towards XXXX they sent me a chart indicating 11 different Federal Loans with three different estimated dates to qualify for XXXX. The estimated dates of qualification range from 16 months to 21 months after the date I had in my mind of XX/XX/XXXX ( 120 months after my first payment post-consolidation on XX/XX/XXXX ). The letter I received from XXXX in XXXX is attached. I should have one date of expected eligibility, not 3. And that date needs to be on or near XX/XX/XXXX, not XX/XX/XXXX like the estimate I received in the mail states. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am the consumer, the natural person and original creditor as pursuant to 15 usc 1692a ( 4 ). I do not validate the alleged debt from Capital One. Capital One has violated my federally protected consumer rights. As pursuant to 15 usc 1602 ( j ) I the consumer have a open end consumer credit plan, and the account doesn't reflect that which is a violation of my consumer rights. Capital One has attempted to communicate through the mail in connection with a alleged debt and without my prior consent, which is a violation as pursuant to 15 usc 1692c ( a ). Capital One 's conduct is harassment as pursuant to 15 usc 1692d ( 2 ) in connection with the attempt to collect the alleged debt. Capital One has used false and deceptive representations of the amount of the alleged debt which is a violation as pursuant to 15 usc 1692e ( a ). If the alleged debt is owed why is there a positive balance? Capital One has shown unfair practices using symbols on the envelopes which is a violation as pursuant to 15 usc 1692f ( 8 ). Capital one has furnished deceptive forms as pursuant to 15 usc 1692j ( a ), since I am the original creditor and I am not participating in the collection of the alleged debt. I have notified Capital One in writing that I refuse to pay the alleged debt and wish Capital One to cease & desist further communication. As well as sent an affidavit and validation of debt requesting to tell me who is the original creditor, all sent certified mail along with a an invoice. Since Capital One has failed to comply with provisions of 15 usc 1692 Capital One is liable as pursuant 15 usc 1692k ( 1 ) and 15 usc 1692k ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: CA

Complaint narrative:
I had an account with XXXX, and I owed {$2500.00} when the account was closed. I did not have the money to pay it or to even make payments on it at the time. So, they sent it to XXXX XXXX XXXX XXXX. I've talked to both XXXX and XXXX XXXX in an attempt to get an itemized bill showing the charges they claim I owe. Somehow, they have the idea that I owe them {$4500.00}. To this day, I have not received a breakdown of the charges, or proof that I even owe this debt. XXXX XXXX offered me a 50 % discount, but they would not remove it from the credit report. I don't want to pay more than I have to, and since both companies have continuously violated my FCRA rights, as well as the credit bureaus stating that it was " verified, '' I haven't been able to resolve this issue in an acceptable manner.

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 2021-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

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