vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: TX

Complaint narrative:
I received my XXXX unemployment benefits on the US Bank Relia Card. My money is on the card but I'm unable to access it because the account is restricted for no apparent reason. I have been without money for 3 weeks unable to pay my bills and facing an eviction. They tell me that XXXX has flagged my account and XXXX has not had any flags on my account ever. I have called and confirmed this. Yet US Bank refuses to believe me and I can't get anyone to speak on my behalf. I have sent them 8 different documents confirming my identity yet it is not enough. The us bank has sent me letters telling me they will close my account and return the money but XXXX SAYS THERE ISNT ANYWAY THEY CAN DO THAT AND IF THE CARD EXPIRES WITH FUNDS ON IT THEY will then return it but they can't re issue me that money. I need this money. I have confirmed my I. D. With u. S. Bank in my opinion. They are not satisfied. I have even sent them copies of the correspondence they have sent me. XXXX has never made me verify my identity so why does the Relia card insist upon it and why don't they comunicate with them if they insist XXXX has the restriction instead of using me as a mediator a go between? XXXX assures me my account with unemoyment is good. They told me if it weren't they would have never issued the funds to US bank if my account was flagged. Please help me to get my money I need to pay my bills and eat.

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 2021-06-29 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft.

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XXXX.

2. UNKNOWN- Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XXXX.

3. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XXXX

4. XXXX Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XXXX.

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XXXX ( Reported Identity Theft ) 2. XXXX on XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kinum, Inc., Indianapolis, IN Branch
State: IL

Complaint narrative:
I was fraudulent charge. I never went to the school, never sent my transcripts, I informed them and the XXXX XXXX said they are not credited. Than 6 months later I seen a bill. I reported this to XXXX and they removed it. Six months later it was sold to a collection agency. I informed them and XXXX this was a fraudulent account. And Once a debt resulting from identity theft has been blocked, a person or business with notice of the block may not sell, transfer, or place the debt for collection. But this was. Im a single mother and in America how can people try to get paid for no service. I do understand credit company have a lot of complaints but they should protect the Consumer. This was removed and now added back to credit report.Can you please investigate this. My name is XXXX XXXX. Ss # XXXX Company was XXXX XXXX XXXX XXXX, IN XXXX than they sold to KINUM INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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

Complaint narrative:
PayPal suddenly closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have noticed I have many instances of misinformation reported about me, either the misinformation stems from inaccurate reporting, incomplete reporting, reporting of unverifiable information, reporting invalid information, fraudulent reporting of information, or reporting of information I believe is due to identity theft. I have no knowledge of how the misinformation stemming from the above came about to be. I have not authorized misuse of my personal, financial or any information. I have never to my recollection received any benefits of product, services, or otherwise real or imagined due to the aforementioned causative possibilities of misinformation. Please physically verify the validity of any and all notations, every date, the balances and calculations, each accounting record, whether reported or not to include required Metro 2

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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

Complaint narrative:
paypal suddenly hold my money. they did it before but i already answered and complied with all their questions and needed documents but they did it again! once again i answered all their questions and attach legal document like my bank statement but i still didn't get response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TICE ASSOCIATES INC
State: NY

Complaint narrative:
XXXX I sent the collector a letter asking to simply validate the debt because seeing this mark on my credit report was quite surprising especially since I have received no prior letters or notifications of such. They sent me a mediocre letter listing a bunch of random charges that told me absolutely nothing about the debt. I didnt even recognize the physician they claimed performed the so called services and transactions. 
XXXX I asked them to send me anything I signed at the time of the services or anything at all bearing my signature which they ignored. 
XXXX asked for proof that they owned the debt, with no reply. Making matters worse, I have been going back and forth disputing for 5 months with them and the bureaus to find out they didnt even notate the item as disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: All Debt Solutions Inc. dba: 1st Class Agency
State: MA

Complaint narrative:
1st Class Agency XXXX XXXX XXXX has been sending me collection notices in the amount of {$500.00}. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: DISCOVER BANK
State: TX

Complaint narrative:
On XXXX XXXX, 2021 Discover Financial submitted a hard inquiry and pulled my credit without authorization. I spoke to Discover Financial and they removed this hard inquiry off my XXXX and XXXX and they refused to remove it off of my XXXX credit report. I filed a police report to investigate this fraudulent activity back in XXXX. Discover Financial did not have my permission to pull my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XXXX XXXX filed a collection against me through National Credit Systems. NCS claims they validated the debt but all the have a is what XXXX XXXX claims to be a bill in my name. 

The issue lies in that XXXX is claiming I had late payments on rent and other fees that dont make sense and should not be under my name. I had a roommate at the time and each rent was paid individually, I have receipts of each payment I made each month so there should be XXXX claims about late payments. In addition, I was supposed to receive my security deposit which XXXX XXXX never returned. 

Not to mention the XXXX tension of charging me a security and not my roommate when we both started our leases at the same time, we had the same income, she had either worse or just about the same level of credit score as me at the time. No co-signer and somehow I was charged a security deposit but she wasnt. 

I want XXXX  XXXX or National Credit Systems to prove where this debt is mine and where these claims are coming from or immediately delete this from my credit score. I have proof of each payment made each month as my lease was of $ XXXX each month and each month I paid in time or early. 

Not to mention I also have documentation of receipts from this company of both my roommate and I submitting maintenance requests for a dishwasher that was overflowing in water and wasnt working for the first 4-6 months of us moving in and they did nothing to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 49 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 49 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX DIRECTED XXXX AND ALL BUREAUS TO REMOVE THIS ACCOUNT.NOW MIDLAND TRIES TO COLLECT FOR THIS ACCOUNT AND CHANGES ACCOUNT NUMBERS WITHOUT IDENTIFYING ORIGINAL CREDITOR XXXX XXXX.XXXX DOESN'T READ THE PROOF OF THE Above that is handed to them and verifies over and over and refuses to allow a dispute today aiding and abetting their subscriber midland. 
see evidence for account nos phone numbetrs and proof of the above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
regions bank holding charges yo cause od to be higher again CFPB Fines Bank  $ XXXX for Overdraft Violations, With $ XXXX More in Redress still doing same thing

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 2021-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: NY

Complaint narrative:
They didnt accurately answer my request about validating this debt they claimed I had with the them. They sent me a simple bill that anyone can create at their house so of course in todays day and age I will question it. I asked for proof, anything they had bearing my signature. They couldnt provide anything. They couldnt provide any proof that they even owned this debt they claimed I owed them. They re-aged the Date of last activity with the bureaus so that my account would take longer to fall off. I checked my credit report today and realized they havent even noted that the account is in dispute. I feel as if I am in a corner with no other options left.

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 2021-06-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Management Services, Inc.
State: KS

Complaint narrative:
Credit Management Services , Inc. of XXXX XXXX XXXX, XXXX XXXX, Nebraska XXXX and attorneys for Credit Management Services : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX have served a non-earnings garnishment upon me, in the District Court of XXXX County, Kansas. Case No. XXXXXXXX XXXX XXXXXXXX. 

This limited action pursuit by the judgement creditor, Credit Management Services, has resulted in two garnishment occurrences, totaling over {$1200.00} and an automatic closing of my account # XXXX, by the garnishee, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Kansas XXXX. 

A letter in response to this non-earnings garnishment judgement communication was sent to Credit Management Services Inc. and received on XX/XX/2021 ( USPS CREDIT MGMT TRACKING # XXXX XXXX XXXX XXXX XXXX received by Credit Management Services on XX/XX/2021 ).

This letter to the judgement creditor was an earnest attempt to discover the validity of this debt and if valid, the possibility of settling the debt. 
Specifically, the letter requested : 1. The name and address of the original creditor, the account number and the original amount owed.

2. Verification that there is a valid basis for claiming that I am required to pay the current amount owed, and if applicable, how the original amount owed is different than the current amount owed, at the time of the non-earnings garnishment.

3. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization of this interest ; the date the original creditor claims this debt became delinquent.

4. Please also note whether this debt is within the statute of limitations and how that was determined.
5. Please also forward details about you and or your agents/attorneys authority to collect this debt : whether you are licensed in my state and if so provide the the date of the license, name on the license, license number and the license number, name, address and telephone number of the state agency issuing the license. If you are contacting me from outside the state of Kansas, provide the all the same licensing information from your state as well.

As of today, Credit Management Services Inc. and or their agents/attorneys, has not responded to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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

Complaint narrative:
Paypal closed my account for no reason and will not help me with getting it back up and going i am not sure if this is some mistake as i assume it has to be i have not been able to get help from them for days but i just remembered i could file a report on here as feel they are not doing their job properly and it is effecting me a great deal as i need my money in paypal. My email linked to my paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX  XXXX XXXX XX/XX/2021 Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

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 2021-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I had a checking account with Citizens Bank that I opened in XXXX when my daughters were in College. My name and my daughters names were on the account. My account and my XXXX  daughters account were joined in the sense that they had separate totals in their accounts as did I. When that account was opened supposedly I was told if the total amount in the accounts fell below {$20000.00} I would be charged fees. Since that account was opened, my daughters have withdrawn their funds and opened their own account with their now husbands. The last transaction being in XXXX. Since that point in time, I have received no bank statements from Citizens Bank and they have been charging me {$20.00} per month as a dormant fee because my total amount minus my daughters two accounts has fallen less than {$20000.00}. I have been charged {$1400.00} in dormant fees with no correspondence from Citizens Bank. This was an account that was liked to an Equity Line that I used to pay my Childrens College Tuition as well. My last child graduated from College in XXXX and the Equity Line has been paid off since XXXX. I had left more than {$17000.00} in that account which Citizens  has been chipping away at with no correspondence at all. I found this all out when I happened to receive a text stating there had been fraudulent activity on my Citizens account. There was no fraudulent activity other than Citizens Bank taking ( stealing ) my money without notifying me. Their answer to me was when I opened this account back in XXXX I was told that there would be fees if the total amount fell below {$20000.00}. At XXXX my memory is just not that good. They stole my {$1400.00}. Is there any recourse? Thank you for your attention. I do not do online banking ever!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-29 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX - XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax DEPT OF ED - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello, I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like I normally do yearly and noticed these inquiries for accounts I never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.

Company response to consumer: Closed with explanation