vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I have been contacted -- called directly, my sister has been called, and I have been getting physical mail -- by XXXX XXXX XXXX. 

Address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CO, XXXX They state that I owe {$8400.00} from PayPal debt. I have contact PayPal directly and have confirmed that I owe no such debt, and they have advised me not to give any information to this collections company as it is likely a scam. I couldn't get the company I " owed '' the debt to over the phone from XXXX XXXX unless I gave them my information, but that is what is listed on the letters I am being sent. 

The main person calling is XXXX XXXX at XXXX XXXX XXXX ( XXXX but the number has been changing since I continue to block their calls, previous numbers are : ( XXXX ) XXXX, ( XXXX ) XXXX ) and she refuses to release any information to me about this debt unless I give her my Full name, date of birth, and last four of social security number. When I refuse I am sent to a " manager '' who yells that they already have all my information and need to verify that it is me, asking me to comply and give them the information they need. At one point they said in order to verify they needed to call me back to " set up a secure line. '' At this point I hung up and have been blocking their calls but they are rather relentless, and it is now harassment. They have called my sister asking for this information as well -- I am unsure how they got this information. 

The first call was on XX/XX/2021 and have been consistent since then to present. 

Recently I have now been getting letters from XXXX XXXX XXXX XXXX XXXX regarding this debt as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I asked for debt validation from I.C. system. The company flagged all three major credit bureaus before sending me any proper documents. The only validation letter I received was an address. My name is common and I have been in many mixed file cases with different social security numbers and identity theft. The alleged account is the result of identity theft/ fraudulent and I did not give anyone permission to open this alleged account in my name. I have a good payment history with all three major credit bureaus and this negative error is affecting my scores and reputation. I understand my rights as a consumer and I would like this problem to be resolved promptly. I am also receiving phone calls repeatedly after I told this company to stop harassing me.

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 2021-03-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I HAD A DEBT CONSOLIDATION COMPANY ASSIST ON PAYING THE ACCOUNT. PROOF OF SETTLEMENT WAS OBTAINED AND FORWARDED TO THE CREDITOR AND CREDIT BUREAUS ON THREE OCCASIONS WITH 40-60 DAY WAITING PERIODS IN BETWEEN EACH INQUIRY. 

THE ACCOUNT REMAINS ON MY CREDIT REPORT, REFLECTING AN OWED AMOUNT ( IN SOME BUREAUS ) AND CONTINUES TO AFFECT MY CREDIT STANDING EVERY MONTH. PLEASE INFORM THIS CREDITOR THAT IF THIS MATTER IS NOT RESOLVED WITHIN A REASONABLE TIME, AFTER THIS CORRESPONDENCE IS RECEIVED, I WILL FIND MYSELF WITH NO OPTION BUT TO PURSUE THIS LEGALLY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-11 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: NJ

Complaint narrative:
I HAD A DEBT CONSOLIDATION COMPANY ASSIST ON PAYING THE ACCOUNT. PROOF OF SETTLEMENT WAS OBTAINED AND FORWARDED TO THE CREDITOR AND CREDIT BUREAUS ON THREE OCCASIONS WITH 40-60 DAY WAITING PERIODS IN BETWEEN EACH INQUIRY. 

THE ACCOUNT REMAINS ON MY CREDIT REPORT, REFLECTING AN OWED AMOUNT ( IN SOME BUREAUS ) AND CONTINUES TO AFFECT MY CREDIT STANDING EVERY MONTH. PLEASE INFORM THIS CREDITOR THAT IF THIS MATTER IS NOT RESOLVED WITHIN A REASONABLE TIME, AFTER THIS CORRESPONDENCE IS RECEIVED, I WILL FIND MYSELF WITH NO OPTION BUT TO PURSUE THIS LEGALLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: T.S. Holdings
State: AZ

Complaint narrative:
On XX/XX/2021 I was reviewing my credit report and noticed that there had been a collection reported on my credit report in error. IQ Data International XXXX in the amount of {$310.00} Added a derogatory mark on my Credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for this account. Debtor 's creditor did not verify this collection. 
Also there was NO written form of communication, contract or signature for this accused debt AT ALL. A bill without a written signature does not validate the debt and anybody can send a bill and say that it is mine. According to FCRA, IQ Data International has violated my rights as a consumer and I am requesting legal action to remove/delete this account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
On Tuesday XX/XX/2021 I received an email from Venmo at XXXX XXXX est. notifying me of a phone number change. At XXXX another email stating that a sign in was made from a new device, at XXXX a debit card was added to my account and at XXXX the first transfer of two transfers was made out of my account in the amount of {$1000.00}, to XXXX XXXX XXXX DBA XXXX XXXX XXXX. XXXX, at XXXX another debit card was added, and the second transfer made in the amount of {$1100.00}. The moment I was aware of this ( XXXX XXXX ), my account had already emptied. I was unable to access my account as the phone number had already been changed. I also was unable to report this to Venmo in a timely fashion as their phones are not answered past XXXX EST. I did notify Venmo, through their chat function, their auto reply indicating it would be 5-7 business days before I receive a reply. At no time was I notified by Venmo, via phone, of unusual and costly activity on my account, depending instead on email and a reply with in two minutes time. In this time they allowed these transfer to be made. Their lack of communication was paramount in facilitating this fraudulent occurrence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada)
State: NY

Complaint narrative:
I was made aware of this company when I receive an alert from XXXX ( credit agency ) about a negative item being posted to my credit file. I am unaware of any debt or services obtained from this company. I have not receive any form of communication regarding this questionable debt.

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 2021-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Resurgent/LVNV Funding didn't impersonate what you have on your website. They impersonated my doctor. They took over several debts I couldn't pay anymore because my mom died. And then Covid 19 made my finances worse. I told them, but they wouldn't listen. I started to block all their calls, but they still make them even after I told them to stop and by not answering. The worst part is pretending to be my doctor. And also pretending to be XXXX. I told them over the phone what they were doing over the phone to stop calling me and not to pretend to be my doctor because that's fraudulent. They bought several of my credit debts from original creditors and keep applying them to the credit bureaus. Here are the phone numbers they used when pretending to be my doctor. XXXX and XXXX. And this one from XXXX claiming I ordered something. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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:
I am very upset over the credit report I recently received! This is totally out of control. I am amazed that the government allows you to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I don't know where you got the following accounts. These accounts are not mine. Its identity theft. Please remove 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 2021-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I have been trying to get in contact with this company to resolve this issue as to why they shut down my account and they will not get in contact with me. The information as to why they shut down my account is inaccurate and I need help getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
On XXXX I scheduled a payment for half of my open balance for XXXX and the remaining portion of the balance for XX/XX/XXXX which would bring my balance to {$0.00}. On XXXX I also reached out to have the account closed. The live chat agent confirmed that the balance was scheduled to be paid in full and confirmed that the account was closed. 

On XX/XX/XXXX i received an email saying my payment scheduled for XXXX was returned. It was not withdrawn from my bank account. I reached out to customer service and they gave me many conflicting answers before disconnecting the chat. I reconnected with another agent who refused to acknowledge what I was saying and typed gibberish. His responses were not coherent. He said things like " may i now know {$1500.00} '' which made no sense. I requested to be transferred to a different agent. Once transferred, i began receiving notices that the agent was ending the chat every 15 seconds, making it nearly impossible to communicate. The agent then gave me conflicting information, telling me the payment was on hold for 6 days and then would clear, then saying it could either clear or be rejected in 24 hours, then saying it is on hold for 6 days again and the email I received was incorrect. I feel this is retaliation for me requesting my account to be closed. I have expressed that all I want to do is pay my full balance and close my account but they are refusing to accept payment. They would not provide me with chat transcripts and did not allow screenshots.

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 2021-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX was servicing my mortgage load for Loancare. In XX/XX/2020 I had an escrow overage of {$200.00}. Loancare sent me a check for the overage. I deposited the check into my checking account. 13 MONTHS LATER, Loancare put a stop payment on the check. 13 MONTHS LATER with zero explanation! Zero! No letter, email, call, NOTHING! I have since refinanced and am with a different mortgage company. While XXXX was servicing my loan, they were not distributing my payments correctly and I had to file a complaint with you. 
This company is shady at best. 
I work hard for my money. I believe they are thieves! 
There needs to be an investigation. 
I want a new check for {$200.00}. 
Unacceptable!

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 2021-03-11 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: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
On XXXX 2021 I was reviewing my credit report and noticed that there had been a collection reported on my credit report in error. Portfolio Recovery Associates XXXX in the amount of {$340.00}, Added a derogatory mark on my Credit report per XXXX Upon further research, this account was transferred/sold and I am no longer responsible for this account. Debtor 's creditor did not verify this collection. 
Also there was NO written form of communication, contract or signature for this accused debt AT ALL. A bill without a written signature does not validate the debt and anybody can send a bill and say that it is mine. According to FCRA, Portfolio Recovery Associates has violated my rights as a consumer and I am requesting legal action to remove/delete this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
i aquired this loan and after it i was deployed after being deployed i was unable too pay off both car loans aquired. i tried working it out with the actual bank paying but they had alerady illegaly sold my debit off too an collector too harras me while i came home from depolyment my depoyment wasXX/XX/XXXX on XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
This complaint is a follow on from a previous complaint # XXXX. That complaint detailed an illegitimate debt collection from a collection agency on a card that was issued by American Express. That agency apparently is no longer involved. Recently I was contacted by another collection agency XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX to whom collection of that debt was recently transferred. After receiving a notification letter of an attempt to collect a debt I immediately contacted them XXXX and notified them that I was not responsible for any unpaid balance on an American Express card. 

The card account in question ending in XXXX was issued to XXXX XXXX XXXX XXXX XXXX. I was a XXXX of this business which is a corporation. The business suffered financial collapse in 2017 and has subsequently been dissolved. I have never personally been issued an American express card, however XXXX is now attempting to collect this unpaid balance ( on behalf of AMEX ). This is illegitimate collection effort. A corporation serves to provide a barrier between actions of the corporation and the owners. Debts owed by the corporation are not transferable to the individual owners. I notified XXXX about the circumstances of this debt and demanded that they provide some form of documentation demonstrating that I was responsible for this debt, otherwise they should immediately cease all collection efforts. No documentation was ever provided. I again contacted XXXX to request cessation of their efforts but they failed to respond. Their collection efforts continue to occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
In both of my previous complaints ( XXXX, XXXX ), AmeriSave promised to refund the {$500.00} application fee to my credit card. The first time, they claimed they had an internal glitch that prevented the refund to go through. The second time, I am still not seeing the refund to my credit card. 

I am requesting that AmeriSave to send me a check for {$500.00} to my mailing address to avoid further delay and credit card refund issues.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I HAD A DEBT CONSOLIDATION COMPANY ASSIST ON PAYING THE ACCOUNT. PROOF OF SETTLEMENT WAS OBTAINED AND FORWARDED TO THE CREDITOR AND CREDIT BUREAUS ON THREE OCCASIONS WITH 40-60 DAY WAITING PERIODS IN BETWEEN EACH INQUIRY. 

THE ACCOUNT REMAINS ON MY CREDIT REPORT, REFLECTING AN OWED AMOUNT ( IN SOME BUREAUS ) AND CONTINUES TO AFFECT MY CREDIT STANDING EVERY MONTH. PLEASE INFORM THIS CREDITOR THAT IF THIS MATTER IS NOT RESOLVED WITHIN A REASONABLE TIME, AFTER THIS CORRESPONDENCE IS RECEIVED, I WILL FIND MYSELF WITH NO OPTION BUT TO PURSUE THIS LEGALLY.

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 2021-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: IL

Complaint narrative:
The presiding XXXX XXXX Circuit Court Judge entered a Summary Judgment in 2015 that dismissed Discover Financial Services claim. Discover has persisted in efforts to collect this debt & declined to remove this baseless claim from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
This complaint is a follow on of previous complaints regarding illegitimate collection efforts by collection agencies that American Express has used in an attempt to collect a debt. The debt in question is the unpaid balance on a credit card that was issued to XXXX XXXX XXXX XXXX XXXX. I was an owner of this business which financially failed in XX/XX/2017and has subsequently been dissolve. This business was a corporation which serves to provide a barrier between actions and obligations of the corporation and the owners. I personally have never been issued a credit card by American Express. I have contacted them multiple times to inform them that I was not responsible for this debt and have demanded that they provide documentation proving that I have responsibility for this debt. Despite multiple requests to AMEX, and the collection agencies that they have used to collect this debt, no documentation has ever been provided. In addition, AMEX has filed a charge off on my personal credit with all of the credit reporting agencies in the amount of this debt which does not belong to me. As a consequence my personal credit rating has been negatively impacted which has created problems for me in obtaining credit and caused me financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I recently noticed that I have a fraudulent collection account for {$630.00}, I NEVER open this account or never authorize this, I called the bank that issue this card XXXX  XXXX XXXX XXXX and they told me that I have to call collection company ( MIDLAND CREDIT MANAGEMENT ) I did call on XXXX and spoke with XXXX XXXX to XXXX, and they said that they are already working to fix this discrepancy, I open a dispute with XXXX  but they haven't give me a solution for this fraudulent account, I need a investigation and what ever comes as a report i please will need a copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ALLIANT CREDIT UNION
State: NJ

Complaint narrative:
On XX/XX/XXXX I wrote to Alliant Credit Union to close both my checking and savings account due to poor customer service. I received a response by email dated XX/XX/XXXX stating my savings account would have to remain open in order to maintain my membership even though I requested via mail to close the membership. On or around XX/XX/XXXX Alliant Credit Union deactivated my debit card and left me over 3 weeks with no access to my accounts which led me to close all my accounts with the bank. Today, I see a return check fee for {$25.00} on my account even though I have requested this account be closed and transferred all my money to my new checking account. Every time I call, I am on hold for hours trying to speak with someone. I can not continue to wait on hold due to being employed. I would like my accounts with Alliant Credit Union closed for once and for all and refunded the {$25.00} account fee as my account should have been closed and not open. I have written in a second time trying to close this account on XX/XX/XXXX.

Company response to consumer: Closed with explanation