vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-23 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2021-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: NM

Complaint narrative:
This is a debt that I was never notified of and I have no knowledge of this debt. When I disputed it no additional information was provided. No bill was sent to me prior to be sent over to a collections agency, which did not allow me to find out where it was coming from or if was a mistake.

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 2021-03-23 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: NC

Complaint narrative:
This complaint comes forward as I am a victim of Identity Theft due to a data breach, I have tried to reach out to Transunion in regards to a dispute and the fraudulent accounts and benefits on my credit profile.

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 2021-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Service Company, INC
State: CO

Complaint narrative:
This company ( Credit Service Company IncXXXX, XXXX XXXX XXXX, XXXX XXXX, CO XXXX, XXXX XXXX XXXX ) has called me hundreds of times after I have asked them not to especially during work hours. I have called them numerous times and left voice mail messages and they have not called me back. They have never provided VOD verification of debt from my health provider, including in the summons that they recently sent me. I had a XXXX  over 2 years ago that was covered by my medical insurance and I belive a clerical error was made. I have recently confirmed with my provider that I do not owe them. This company also sent a process server to my residence yelling my name throughout the complex. This company is unprofessional and has threatened to affect my credit and has forced me to file a response in XXXX XXXX, CO court. Please let me know what I can do. They continue to call me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: CA

Complaint narrative:
There is two accounts on my credit report that DO NOT BELONG TO ME. I have tried reaching out to the bureaus as well as the furnishers but have received no response back these accounts are not mine again. 

Account Name : XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX  Account Number : XXXX Reason : This is not my 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 2021-03-23 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: CA

Complaint narrative:
There is two accounts on my credit report that DO NOT BELONG TO ME. I have tried reaching out to the bureaus as well as the furnishers but have received no response back these accounts are not mine again. 

Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX  Account Number : XXXX Reason : This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: Avant Holding Company, Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ERC
State: OK

Complaint narrative:
Enhanced Recovery Co L XXXX XXXX XXXX XXXX FL. XXXX Collection opened XX/XX/2020 {$1200.00} Enhanced Recovery is not a license business in the State of Oklahoma, therefore, they can not lawfully report to the credit bureau, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
I filed disputes on several different dates for Santander Consumer, XXXX, and XXXX XXXX  card. These items were removed once before and now they reappeared on my report. Items are incorrect and talked to XXXX and they stated they will be removed again. Now items are keep updating to the current date. Items should have been removed and they are bringing my scores down tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MD

Complaint narrative:
I recieved a letter in the mail from Convergent outsourcing plc claiming to be collecting a debt from XXXX in the amput of {$230.00}. I called XXXX who told me that I did not owe them anything. This letter is attempting to scam people out of money.

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 2021-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
Gemini XXXX XXXX has still not let me withdraw any of my funds due to an identity verification. 
I sent in all my documents weeks ago on XXXX and still have not gotten verified. I can not withdraw any of my coins and can not withdraw to a separate crypto wallet. They are essentially holding my money hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: WA

Complaint narrative:
PayPal XXXX XXXX CFPB Report Summary : PayPal has wrongfully billed me for a fraudulent {$650.00} transaction even after they resolved a PayPal dispute in my favor. During this process I filed a chargeback with XXXX and then cancelled it. They claim XXXX took the money from PayPal, but XXXX confirms I cancelled the chargeback and PayPal accepted the dispute in their favor. PayPal debited me after the date XXXX says PayPal accepted that PayPal had won the chargeback. At this point, I am out {$650.00} and have no recourse because XXXX says they sent the money back to PayPal but PayPal says XXXX sent the money to me. XXXX did everything they were supposed to, but PayPal is still erroneously charging me. 

Timeline : XXXX I purchased a very large tool chest on XXXX for {$650.00} including tax and shipping. 
XXXX A substantially different item is delivered by freight XXXX Item return started XXXX Seller promises refund XXXX Item picked up by freight delivery company XXXX No refund, opened PayPal dispute XXXX PayPal issues temporary refund of {$650.00}, but their automated system refuses to accept my info because it is not a XXXX or XXXX tracking number. Tried multiple times to communicate that the return was via local freight and there was no tracking number. Offered security camera evidence of XXXX XXXX workers in a XXXX XXXX truck picking up the merchandise, PayPal refused. 
XXXX PayPal closes the dispute in fraudulent seller 's favor, sets PayPal balance to - {$650.00} XXXX PayPal attaches {$650.00} charge to an unrelated purchase without warning XXXX Chargeback imitated at XXXX for {$650.00} XXXX PayPal reopens case XXXX I cancelled chargeback with XXXX, resolving it in favor of PayPal. No credit to my XXXX account required. 
XXXX PayPal researches my evidence and closes the case in my favor, refunding me {$650.00} XXXX PayPal sends a second notice telling me they closed the case in my favor and that they had already processed the refund. 
XXXX Without warning, PayPal charged me {$650.00}. Upon inquiry they claimed I had not closed the chargeback and they were collecting the funds XXXX had refunded me. 
XXXX PayPal and XXXX complete settlement of the dispute with PayPal confirming to XXXX that the dispute was resolved in PayPals favor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-23 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: FC HoldCo LLC
State: LA

Complaint narrative:
I filed disputes on several different dates for XXXX XXXX, Flagship, and XXXX XXXX  card. These items were removed once before and now they reappeared on my report. Items are incorrect and talked to XXXX and they stated they will be removed again. Now items are keep updating to the current date. Items should have been removed and they are bringing my scores down tremendously.

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 2021-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am continuously having problems signing online and it take forever for them to send me an access code to sign on and when I complain to the bank someone will call back and feed me a lot of XXXX. But Im still having a problem. Just Sunday I was turn down with my ATM card and that has never happened. Most of the time I call the bank and I will get someone on the phone that can not understand me and I can not understand them. There are people in the united states that could answer the phone.

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 2021-03-23 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: AL

Complaint narrative:
The account with XXXX on my credit report was paid in XXXX. The balance is {$0.00}. However, the account payment status is reporting as 90 days late. This is clearly WRONG. I have disputed this information. The credit bureau verified the information as accurate. Again, this is clearly WRONG! The account can NOT be paid, and closed with a {$0.00} balance and be 90 days late at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
More than 60 days have passed without my concerns being addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: CA

Complaint narrative:
There is XXXX accounts on my credit report that DO NOT BELONG TO ME. I have tried reaching out to the bureaus as well as the furnishers but have received no response back these accounts are not mine again. 

Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my 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 non-monetary relief
Consumer complaint received 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
You have violated 15 USC 1681b. Per 15 USC 1681 b- Permissible purposes of consumer reports ( a ) In general Subject to Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I, XXXX XXXX, the consumer, DOES NOT give Equifax the consent to report anything on my consumer report. I have never given Equifax the consent to report anything on my consumer report and to use or share my private information, particularly for financial gain, is in itself identity theft. Equifax publishes information on my consumer report for a fee, financial gain, to those who are willing to pay for their services. Pursuant to the statue listed above, it is my written instruction to you to delete the listed accounts below from my credit report. 
You have also violated 15 USC 1681a ( d ) ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term consumer report does NOT include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over XXXX  days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
I received a call today that was " unknown ''. They called 3 times in a row and left a message that I had been " served ''. I managed to catch the third call and was given a phone number ( XXXX ) and a case number ( XXXX ). The male I spoke with informed me that a civil action has been filed against me by XXXX Mastercard which I had from XXXX, saying that the complaint states that I got the card with the intent to defraud. First of all, this debt is XXXX years old. Secondly, I filed bankruptcy a year ago. He said that the debt was something like XXXX XXXX dollars. There is no way the credit line should have been this much. XXXX  was sold to LVNV LLC, a debt buying agency. I researched this, can not pull up a phone number to match that above, but did find that the FTC had a case against the company that issues XXXX and the FTC won. As a result, there is an injunction against them filing anything on consumer 's credit reports. 
I don't anticipate any further action, but felt that I should report this as it has probably happened to others. Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I was looking through my emails and received my statement of a balance. I never once used my card once I opened it. So I don't understand why I have a balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I had a XXXX XXXX lease ( VIN XXXX ) and returned it in XX/XX/XXXX. Before the lease return, I replaced 4 tires per lease end guideline to avoid excess wear charge. Also in XX/XX/XXXX I purchased a new XXXXXXXX XXXX  ( VIN XXXX ) with cash. In early XXXX I received the final bill which included {$390.00} disposition fee and {$320.00} excess wear charge. I want to dispute both charges. 
First, my lease agreement XXXX ( t ) says " Disposition Fee Waiver : The Item 4A Disposition Fee will be waived if you purchase or lease a new General Motors vehicle when the Lease ends ''. Since I purchased a new GM vehicle, the disposition fee for my lease should haven been waived. 
Second, I replaced the 4 tires per lease end guideline and emailed GM Financial the tire receipt. So the excess wear charge should have been removed. 
Therefore, I want GM Financial to waive both excess wear charge and disposition fee which was {$770.00} in total and refund my payment of {$420.00} for the bill.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-23 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: AL

Complaint narrative:
The account with XXXX on my credit report was paid in 2015. The balance is {$0.00}. However, the account payment status is reporting as 90 days late. This is clearly WRONG. I have disputed this information. The credit bureau verified the information as accurate. Again, this is clearly WRONG! The account can NOT be paid, and closed with a {$0.00} balance and be 90 days late at the same time.

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 2021-03-23 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: AL

Complaint narrative:
The account with XXXX on my credit report was paid in 2015. The balance is {$0.00}. However, the account payment status is reporting as 90 days late. This is clearly WRONG. I have disputed this information. The credit bureau verified the information as accurate. Again, this is clearly WRONG! The account can NOT be paid, and closed with a {$0.00} balance and be 90 days late at the same time.

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