vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-08 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: PA

Complaint narrative:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was notified sometime in XXXX that a collection agency believed I owed them a debt. I sent them a dispute and requested all the documents they had on the account. I never received anything from them and from my understanding they did not correctly report it to the credit bureaus. When I called in XX/XX/XXXX to request they remove the incorrect information on my credit report, the collection agency told me they sent something to me in XX/XX/XXXX but could not verify it was the documentation I requested or give my any information that was helpful. I did not receive anything from them in XX/XX/XXXX. The collection agency refused to remove the incorrect information from my credit report and I had to file a new dispute directly with the credit bureau this year. The incorrect reporting is negatively affecting my credit and I would like it removed.

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 2021-09-08 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have these accounts that are not mine adn iwant them to be removed. 

1. Identity Theft WF CRD SVC Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine.

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 2021-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I purchased a TV from a retailer, but when I opened the TV it was broken. The retailer was not willing to take back the TV. 

While in the store, I called Citi on XX/XX/XXXX and told them that I intended to leave the TV at the store if they could assure me I would get my money back. 

Their customer service rep assured me twice that I would receive a full refund, so I felt confident leaving the TV at the store without documentation. I stayed on the phone for confirmation that I would get my money back through email. It took a very long time so I told the associate I would look out for the email and if it was not received, I would call again the next day. 

The next day ( XX/XX/XXXX ), I called back because I did not receive an email. The second associate I spoke to told me they could not issue an email but that it was highly likely I would get a full refund, so I should not worry. 

Based on these communications, I did not get any further documentation and left my TV at the store. 

On XX/XX/XXXX, my dispute was denied for lack of documentation. This is very distressing and unfair because i would told explicitly that I would get my money back. I was clear about leaving the store without the TV and confirmed twice they would credit my money. 

A Citi agent felt this was unfair and confirmed my recollection of these events ( by reviewing the call history ) and plainly said that if he could have, he would have issued me a full refund. But he was not authorized to do so. Citi was only willing to issue me a courtesy credit of {$100.00}. 

Citi should take responsibility for their customer service department. Because of their misinformation, I have no TV and no recourse. I have lost more than a XXXX dollars and neither Best Buy nor Citi are taking responsibility.

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 2021-09-08 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: GA

Complaint narrative:
I filed an dispute in regards to incorrect accounts showing on my credit report. It has been well over 30 days and I have yet to receive any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Collection Services, LLC
State: NY

Complaint narrative:
I pulled all three of my consumer reports recently and noticed that COLLECTION AGENCY NAME is reporting that I allegedly owe them DEBT AMOUNT. On DATE SENT FIRST LETTER I sent a letter to them requesting that they validate this alleged debt. It has been over 30 days I have not gotten any response from them whatsoever. I sent this letter via certified mail on tracking number TRACKING NUMBER which I verified that they received the request of information letter. Under the 15 USC 1692g I have allowed more time than prescribed for them to respond but they have not, so I am requesting that they cease collection of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Im a victim of identity theft and fraud. I have notified the creditors/agencies several times that the accounts & inquiries are fraudulent & do not belong to me. I have not in any way received goods or services from these companies. I have provided the proper authorities my FTC ID THEFT AFFIDAVIT with a sworn statement regarding the fraudulent accounts and inquiries. The documents have been submitted to all credit bureaus as well. Again, I was not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Therefore these items must be deleted immediately. 
The FTC report ID number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: FL

Complaint narrative:
I was notified sometime in XXXX that a collection agency believed I owed them a debt. I sent them a dispute and requested all the documents they had on the account. I never received anything from them and from my understanding they did not correctly report it to the credit bureaus. When I called in XX/XX/XXXX to request they remove the incorrect information on my credit report, the collection agency told me they sent something to me in XX/XX/XXXX but could not verify it was the documentation I requested or give my any information that was helpful. I did not receive anything from them in XX/XX/XXXX. The collection agency refused to remove the incorrect information from my credit report and I had to file a new dispute directly with the credit bureau this year. The incorrect reporting is negatively affecting my credit and I would like it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: GA

Complaint narrative:
I filed an dispute in regards to incorrect accounts showing on my credit report. It has been well over 30 days and I have yet to receive any investigation results.

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 2021-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: NJ

Complaint narrative:
The Bureaus are reporting a credit card account to my consumer report and I never gave them written permission to furnish anything on my report. They bought my personal private information from XXXX XXXX  without my consent which is a violation of the Fair Debt Collection Practices Act 15 USC 1692 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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
State: MS

Complaint narrative:
Hi, I've been a loyal PayPal user for about 4 years plus now. The other day at approximately XXXX on XX/XX/2021 I received an email from PayPal , stating that I was no longer able to conduct business with them and that my account was permanently limited along with the holding of my personal funds ( {$13000.00} ) for up to an 180 day waiting period. 

Now, If I was in the wrong or did anything that I wasn't supposed to or wasn't aware about, then I apologize. I simply did not know nor was I conducting any fraudulent or malicious activity with the company 's services. I am 100 % legit and have made all of my money legally and the correct and honest way. I'm a XXXX XXXX XXXX XXXX XXXX for music producers and I sell my services along with digital products as you can see within my account ranging from $ XXXX {$590.00}. The smaller digital products in the $ XXXX range and my XXXX services that you can see in transactions almost everyday for {$590.00} and you can also see {$290.00} which is a payment plan that most of students join in on. 

Also, I have a very clean seller history with them as well, my duration of time spent doing business with PayPal, I've NEVER had a single chargeback or any disputes opened on me with that account or with any customer, and if a problem DID arise, then I respectfully solved it by immediately issuing a refund to them clearing up any mishaps also which you can see on my transaction history as well. I simply just want to provide a great service and customer support to people. 

I've filed a complaint with the XXXX  along with calling PayPal 's customer service line, and emailing PayPal 's VP 's, Execs, & even the CEO XXXX XXXX. I've also made a consumer protection complaint with the state of California where they're based out of, but still have yet to hear back from any of them. 

I do understand fully that PayPal would no longer like to do business with me and I rightfully respect their decision by all means. What I'm requesting from PayPal personally is that the holding of my funds can at least be lifted, so that I may gain access over my money that's been accumulated within the time period of conducting business with them. 

I am simply seeking a resolution that is fair and in the best interest of both parties and I hope that this problem can be resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MN

Complaint narrative:
I am referring a case to the Consumer Protection Bureau as follows. 

First, please see the most recent document, 'New_Debt_Collector_Account.jpg '. This was sent to me on XX/XX/2021 and arrived on XX/XX/2021. This is a letter from " I.C. System '' telling me I must pay a delinquent account for " XXXX ''. An account I thought that was already settled by " Offices of the XXXX XXXX XXXX ''. Or so I believed. Until now... 

See attachment 'dispute.rtf '. This is the original letter I sent to " Offices of the XXXX XXXX XXXX ''. Within 'dispute.rtf ' is a very detailed, and extremely well articulated ( if I do say so myself ) dispute letter, delineating the abuses and reasons to " XXXX '' of why I would not pay the bill. In a response, sent back to me by " Offices of the XXXX XXXX XXXX '', 'dispute_response.jpg ', they said they would discontinue their collection efforts and no information regarding this account would be referred to the credit bureau XXXX 

THEN, 7 months later, from " I.C. System '' I receive, 'New_Debt_Collector_Account.jpg ', as first seent above, saying I still owe this debt.

My question, to " I.C. System '' " XXXX XXXX '' and the " Consumer Protection Bureau '' are : How can I dispute and then remove a debt, that I legitimatlly do not owe, and be exonerated from it, if " Charter/Spectrum '' can simply refer it to another debt collecting company to try and collect it? And then tarnish my credit? Is misleading a consumer like this 'legal '?

As 'dispute.rtf ' indicates, I even said I would contact the Consumer Protection Bureau and the XXXX. I did not originally do this and regret that decision, but I am doing so now!! 

Furthermore, due to the unparalleled absolute deceptive malfeasance on the part of " XXXX '' and these debt XXXX, I am considering approaching media outlets with my story. Consumers can not and should not be ripped of this way and their credit tarnished, while a corrupt telecommunications company and their debt collecting cronies attempt to charge them for several months of internet they never had. 

This is fraud, it is illegal, and it needs to stop. And I wish to be exonerated from this debt as I was originally led to believe!!! 

Finally, if " XXXX '' are part of any class action lawsuits involving this behaviour ( and I'm sure they are ), then I wish to testify on the behalf on any government, individual, and/or private institutions as to the corrput nature of entities such as " XXXX '' and their debt collectors, and hereby consent to providing all the following statements, including all attachments herein, and any testimony they want me to give as evidence. 

-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 2021-09-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Synchrony Bank allowed XXXXXXXX XXXX XXXX XXXX to activate an account without the consent or knowledge of the applicants. Synchrony has denied two fraud claims, but has recently reopened the investigation. Synchrony Bank allowed a representative from the merchant to activate the account. Three days after activating the account Synchrony Bank allowed the merchant to withdrawn the entire balance of the credit account without consent or knowledge of the applicants. Sychrony Bank representatives have acknowledged that the account was activated by the merchant, from the merchants office, and without speaking to either applicant. Synchrony Bank has a fraud liabilty policy and an obligation to protect the consumer.

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 2021-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: WA

Complaint narrative:
This Dispute Letter is regarding Specialized Loan Servicing choosing to ignore the Covid-19 Pandemic, The Cares Act and our Washington State mandates regarding no evictions as well as Landlords inability to legally ask or collect rents as it is labeled as harassment as well as reported to the Attorney Generals Office along with a large fine. I am still currently being harassed by SLS with a sale date WHILE Washington State is under the NO EVICTION NO RENTAL PAYMENT MANDATES, which has made it impossible for me to keep up with utilities as well as mortgage payments without full rents coming in to pay for it all. The financial burden has been devastating and I continue to work with state and local agencies with my tenants to try and get financial help, but these agencies are so inundated and backlogged that I have been told they are only processing XXXX and XXXX applications, and to be patient. It is very difficult to be patient waiting for financial relief of unpaid rents to help with a modification/forbearance and for a repayment plan when I have a XX/XX/2021, sale date hanging over my head! I am not in any position to make these agencies move any faster than they are capable, yet Im threatened continuously with sale dates from SLS instead of working with me so we can all get through this. All my documents for a modification have been in review yet rather than understanding what we are going through as a nation, SLS is working to make the families I rent to with children homeless by their careless, illegal, irrational sale date tactics. I have asked repeatedly for forbearance, yet SLS has not attempted to make a good faith effort to modify my property. Therefore, I am asking that SLS comply with our state mandates and work with me, the landlord, as I am required by law to act toward my tenants as well during this Pandemic, and cancel the XX/XX/2021, sale date, work with me on a modification that will enable me the time to collect all of the past due rents and get modified with SLS on this loan. 

Thank you for your attention to this legal matter, as it is of utmost importance. Please let me also know in writing that the XX/XX/2021, sale date has been cancelled as well as any future sale dates until we can legally resolve this statewide mandate still enforced in Washington State.

Please find enclosed a letter from Mr. XXXX XXXX, Washington Department of Financial Institutions with our States 4th Amendment regulations as well as Attorney General XXXX XXXX XXXX for Homeowners/Landlords during this Pandemic. I will continue to alert all pertinent agencies of SLSs responses and activities toward SLSs sale dates given to me on my property.

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 2021-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P&B Capital Group, LLC
State: WI

Complaint narrative:
I received multiple phone calls from P & B Capitol Group through out the past year attempting to collect an alleged debt associated with my name. I explained to the reps that I had no knowledge of said debt, I also asked for any documentation associated with my name in the event I have to file a police report with my local police department. I never received any documentation nor anything in writing notifying me of said debt. According to the FDCPA, consumers have 30 days from the date of being notified in writing, to dispute the validity of any alleged debt associated with them. In addition, as of XX/XX/XXXX, this debt have been reported to consumer reporting agencies without me be properly notified and giving the opportunity to respond to said debt. This has since damaged my reputation and credit worthiness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Back in XXXX  of 2020 my family was affected by the pandemic XXXX. We lost family members and we are about to loose our only home. My income came back and now im ready to resume payments. Please help me keep my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: DISCOVER BANK
State: CA

Complaint narrative:
DISCOVER FIN SVCS LLC I am writing to dispute the following information that DISCOVER FIN SVCS LLC supplied to XXXX, XXXX and XXXX This item DISCOVER FIN SVCS LLC is inaccurate because I never requested to open a credit card with them nor ever had their credit card. I am requesting that DISCOVER FIN SVCS LLC have the item removed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
They told me about the pandemic forbearance option and now we behind 11 months. My family was affected by the pandemic and we lost several family members because of that. Also, My husbands income stopped because of the pandemic. Now, we are back to work and ready to resume payment but out lender SPS refuse to work with us. They denied us for the deferral and the modification option and they want us to pay everything at once. Please, Help us!! is out only home. 

Loan : XXXX Property : XXXX XXXX XXXX XXXX CA XXXX Homeowners : XXXX XXXX & XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation