vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-10 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: NE

Complaint narrative:
A collection account was removed from my Transunion credit report. My credit score did not increase as a result of the collection account with XXXX XXXX XXXX being removed 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 2020-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I'm trying to freeze my credit report online or phone and it does not work. I have an identity theft problem, and need it frozen asap.

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 2020-06-10 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: CT

Complaint narrative:
I contacted paypal on multiple occasions to file a claim against a seller who is registered with them to receive payments in exchange for services sold online. I placed an order with an authorized Paypal seller, XXXX on XX/XX/XXXX. The transaction payment was processed through Paypal on that date. On XX/XX/XXXX, Paypal sent me an email to notify me that the seller provided XXXX tracking details. When I viewed the XXXX tracking details they indicated that the package was delivered on XX/XX/XXXX. The XXXX tracking portal only confirms delivery to the city, state and zip code. XXXX does not provide complete delivery information such as address and recipient name via the online tracking number portal. I did not receive this package. After receiving no response from the seller XXXX, I contacted Paypal, as they provided the tracking details. I notified Paypal that I never received the package. Further I notified them that I had contacted XXXX to confirm that the recipient and sender details associated with the tracking number do not match my information ( as the receipient ) or the seller XXXX ( as the sender ). This information is available to XXXX employees, but not via the online tracking portal. I expressed my concerns that the seller provided a stolen tracking number with the intention to make it seem as though they sent a product to me that they did not ship. Paypal will not further investigate my claim on the basis that a tracking number was provided that confirms delivery to my city, state and zip code. I asked Paypal to verify with XXXX that the full recipient details do not match mine, so that they could recover the funds that they paid to this seller and they are refusing to do so. I am escalating this complaint to your agency because this is a growing scam that is affecting many Paypal customers and they are not willing to do more to investigate the claims of customers in order to resolve these instances of fraud. 

The transaction details are as follows ; Customer Transaction ID : XXXX Seller name : XXXX Seller Web address : XXXX XXXX Date : XX/XX/XXXX XXXX Tracking ID : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kansas Counselors, Inc.
State: MO

Complaint narrative:
Only after running a credit report did I find out I had a medical bill in collections. I was notified on XXXX by the lending agency of the credit report. I called Kansas Counselors, Inc ( KCI ) on XXXX and left a message requesting written notification of the attempt to collect the debt as I had not received such notification. I have not received any notice nor communication from KCI to date. This debt originated at XXXX XXXX XXXX XXXX, moved to their billing group XXXX then onto KCI.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: Conduent Incorporated
State: MS

Complaint narrative:
I was attempting to activate the card, after receiving it. I was interrupted twice as I was attempting to activate the card. When I tried a third time to activate the card the recording said the card was locked due to too many attempts. I called the XXXX number located on the card, and since the card was never activated the system could not help me. I did this several times until I was exhausted and frustrated. Since the card was locked and never activated the system does not recognize my card. I went online to activate my card and the online system does not recognize my card since it was never activated either. I called XXXX, and XXXX and the same results. the system can only help you, if your card has been activated. My card was never activated since I never got to this part in the call, and it was locked. I have searched to speak to some one with no avail. After calling all the numbers I was never given the option to speak with someone. Several times I chose the lost/stolen option in hope to speak to someone and the phone would automatically hang up. This system is not designed to assist people if their card haven't been activated, only for consumers who cards have been activated. I was only able to speak to a person when I called Consumer Financial Protection Bureau, but they couldn't help either, they were able to give me the XXXX, and offer me the opportunity make a complaint. Their is a problem with the system for people whose cards have not been activated. Please consider an option to speak with a real person. I did go to the XXXX website and reviewed the frequently asked questions concerning the debit card and no unique incident was like mine. Please help! this is frustration and aggravating you may reach me at cell : XXXX or at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
In XX/XX/2020 our loan was sold to Specialized Loan Servicing ( SLS ). 
Per the terms of the note our interest rate was to be changed in XX/XX/2020. 
We have repeatedly called this company and nobody has a clue as to what to do as you can only speak to entry level data personnel. 

We need to get help as they are in breach of our contract. 
Thank you XXXX XXXX XXXX XXXX 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 2020-06-10 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: NE

Complaint narrative:
The credit bureau Equifax is reporting a collection account with XXXX XXXX XXXX XXXX. This is inaccurate and is not my account. They are reporting 3 collection accounts in the amount of {$220.00}, {$41.00} and {$41.00} on my credit report. This debt was already removed from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
I am trying to settle a debt with Bank of America from XXXX. I have talked to numerous people on the phone and gotten different answers from everyone. I have offered to settle my old debt, but my offer has been denied. I was offered another settlement amount ( which is more than I can afford ), and monthly payments. The people I have spoken to said that this will not help me with my credit and will not help with me with my goal of buying a house. I have paid off all old debts, except this account, and seem to be getting nowhere with the company. I think the worst part is that I can't get them to send me anything in the mail saying what my options are for taking care of this old debt. The rep on the phone this morning ( in the recovery dept. ) said BoA doesn't send out letters. How can I possibly resolve this old debt and rebuild my financial life when I'm getting so many different answers and can't get anything in writing?

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 2020-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America records payment calls in East Coast time. They collect late fees from customers making payments by the time stamp in East Coast time regardless of the time the payment was actually made  based on the location of the customer. There is no notice that phone payments are only considered on time based on East Coast time. I was charged a late fee based on a payment logged as late in East Coast time but that was submitted on time - on XX/XX/2020 - on the West Coast. This is discriminatory and fraudulent.

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 2020-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
My wallet was stolen on XX/XX/XXXX at a undistinguished time and procedingly unauthorized transactions and withdrawls were made on my account totaling in a amount of XXXX I contacted my Bank a few days later and canceled my card and at the same time tried to make my claim but could not because I had to wait for the pending transactions to clear so I waited a few more days which is now XX/XX/XXXX I called and reported the claim and today XX/XX/2020 I received in the mail my claim was denied they did not deem my transaction unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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:
XXXX XXXX XXXX XXXX XXXX 
{$160.00} XXXX XXXX {$460.00} XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX {$170.00} There are no contracts, no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX XXXX {$280000.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$3300.00} XXXX XXXX {$1300.00} XXXX XXXX {$930.00} XXXX XXXX XXXX XXXX {$4600.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$140000.00} XXXX XXXX XXXX {$5400.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}

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 2020-06-10 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: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX XXXX {$280000.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$3300.00} XXXX XXXX {$1300.00} XXXX XXXX {$930.00} XXXX XXXX XXXX XXXX {$4600.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$140000.00} XXXX  XXXX XXXX {$5400.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}

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 2020-06-10 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: FL

Complaint narrative:
I'm writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX  XXXX XXXX, Fl XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Please remove all other addresses off my report, as they are not reportable as per the FCRA, since they are inaccurate. 
I also requesting to remove negative accounts from credit reports which never belong to me. 
XXXX  XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX - XXXX opened XX/XX/XXXX XXXX XXXX XXXX - XXXX opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: FL

Complaint narrative:
Whom It May Concern : This will serve as your legal notice under the federal Fair Debt Collection Practices Act ( FDCPA ), to cease all communication with me in regard to the debt referenced above. Do not contact me, or any third parties regarding this debt. 

Furthermore, I formally dispute the validity of this debt. Please provide me with documentation that supports why you believe this debt belongs to me, and why you believe I owe this {$100.00} amount. Please send me copies of the original application for this account, any signatures associated with this account, any bills associated with this account, etc. 

You are also notified that should any adverse information be placed against my credit reports, appropriate actions will be taken under the federal Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention to this matter.

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 2020-06-10 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: Alpine Credit, Inc
State: NE

Complaint narrative:
The credit bureau XXXX  is reporting a collection account with Alpine Credit , Inc. This is inaccurate and is not my account. They are reporting 3 collection accounts in the amount of {$220.00}, {$41.00} and {$41.00} on my credit report. This debt was already removed from my XXXX  credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have reeported PORTFOLIO RECOVERY SEVERAL TIMES IN REFERNCE TO MY ACCOUNT THEY KEEP GETTING IT OPENED AND PUT BACK ON MY ACCOUNT, MY ACCOUNT HAS BEEN DELETED AND NO PAYMENT CAN NO LONGER BE APPLIED, ,THIS IS DUE TO FRAUD AND TWICE IT WAS REMOVED,, i WANT THE HARRASMENT FROM THEM TO CEASE.. 
XXXX REF XXXX PORTFOLIO RECOVERY LLC XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: AZ

Complaint narrative:
ALL 3 " CRA '' REPORTING OUTDATED ACCOUNTS NOT MINES AND NEVER DONE BUSINESS WITH COMPANIES : " XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX 
{$160.00} XXXX XXXX {$460.00} XXXX XXXX XXXX   {$830.00} XXXX XXXX XXXX {$170.00} There are no contracts, no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

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 2020-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
The credit bureau Experian is reporting a bankruptcy on my credit report. This is inaccurate and is not my account. I have disputed this item several times with the credit report. This inaccurate bankruptcy was removed from my XXXX  credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation