vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I received a bill from a collection agency called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It stated that PayPal had turned over a debt that I had incurred with PayPal for {$1000.00}. I have NEVER used Paypal for that amount. I called XXXX to ask them to explain what the charge was. They wanted me to give them my SSN and date of birth which I would not do. They suggested that I contact PayPal. PayPal told me that I had a zero balance and owed nothing nor were there any records of me ever owing that amount. They told me not to worry about it. My concern is that if I had mailed {$1000.00} to XXXX, what would have happened to it? I read on the PayPal site that other people have gotten bills from XXXX and did not owe PayPal any money either. I XXXX  XXXX and it says that it is a legitimate collection agency. I am writing you to alert you as to what must be fraud perpetrated by either the collection agency or someone else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: VA

Complaint narrative:
I disputed this 2 years ago because this debt is over 7 years old and XXXX has removed it from my credit report. I stopped answering their calls because they threatened to ruin my life and they keep changing the dates to make it current. The new date they have is 2019 and I havent had sprint in forever I have had XXXX and XXXX isnt a company any longer. When I dispute this with experian and XXXX XXXX they wont remove this with IC Systems. Why do they believe these sleez balls! The credit bureaus are horrible and when they make a mistake they wont correct it! The amount is wrong at XXXX I dont know how they came up with this number I had them for

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 2021-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX - XXXX XXXX - XXXX both of these accounts are on my credit which it shouldnt be according to the reporting act. This account was sold to another lender and the original creditor should not report this information on my credit

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 2021-05-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX  - XXXX XXXX - XXXX both of these accounts are on my credit which it shouldnt be according to the reporting act. This account was sold to another lender and the original creditor should not report this information on my credit

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 2021-05-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2021. I went online to pay towards my Synchrony Amazon Store Card and discovered that the bank closed my account. I called the toll free number listed on the site and asked why was my account closed? The Rep. mentioned that they have an automated system that automatically closes accounts with missed payments, NSF Fund checks, etc. 
A couple weeks before above date. On XX/XX/2021, my bank had a hard time locating my account because of potential fraud. They temporarily blocked my account activity for further investigation. That incident caused 2 balances I made on my Amazon account to not go through. Although, I immediately paid to cover those amounts. Never a late or missed payment. Even paid sometimes TWICE a month. I feel like I was penalized due to a glitch that was not my fault.

I asked to speak to a Supervisor and XXXX ID # XXXX came to the phone. He looked over my account and acknowledged that I had been a customer who's had an account for over 8+ years. Paid on time and assured me that he wouldn't report the Closed Account to the Credit Bureaus. He knew that I was in the middle of financing my home and needed my Fico Score to be good standing in order to move forward. 
XX/XX/2021. I received emails from XXXX and XXXX XXXX letting me know that an Alert was added for a Closed Account that was reported by Synchrony Bank. 
These people are dishonest and don't care about ruining their customers credit for no good reason. My account had an unpaid balance of {$4900.00} that I was paying on. Although, the Interest Fees are very high. Never missed a payment and now my Utilization Percentage is going to compromise my score. 
What Synchrony could have done was allow me to pay off the credit card without reporting it as closed so that I could have kept my scores up. I do not want to re-open my account but at least have the chance to continue payment without ruining my credit. It would be fair if they could reverse the report from the credit bureaus to allow me to do.

I had another card with Synchrony for The XXXX XXXX. They also closed that account for no reason. I had paid it off in full ( {$3500.00} XXXX but they could've reported that to XXXX  as a card that had good standing which would have boosted my credit score.

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 2021-05-28 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: Lending Club Corp
State: TX

Complaint narrative:
I have been a victim of identity theft / fraud. Someone has used my name, my addresses, my Social Security number, my date of birth and my employers name to open accounts in my name. They have had access to my XXXX XXXX account as well I have discovered, and I think that this is partly how they accessed my information as well as through my Health Insurance coverage claims. 

I have disputed and disputed these 3 accounts with both XXXX  and the companies directly over and over and they still have not removed them from my XXXX  credit report. 

1. XXXX / XXXX XXXX  2. XXXX  / XXXX  3. Lending Club Corp THESE ARE NOT MY ACCOUNTS I have been told by XXXX  for both of those accounts to contact XXXX XXXX because they now own both of those accounts, I did so, and XXXX XXXX found me not responsible for these accounts and sent me letters stating this, which I have attached here. Yet, XXXX continues to report these to XXXX. I have sent all of this documentation to XXXX and to XXXX multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have been a victim of identity theft / fraud. Someone has used my name, my addresses, my Social Security number, my date of birth and my employers name to open accounts in my name. They have had access to my XXXX XXXX account as well I have discovered, and I think that this is partly how they accessed my information as well as through my Health Insurance coverage claims.

I have disputed and disputed these 3 accounts with both XXXX and the companies directly over and over and they still have not removed them from my XXXX  credit report. 

1. Comenity / XXXX XXXX XXXX. Comenity / XXXX  3. XXXX XXXX XXXX THESE ARE NOT MY ACCOUNTS I have been told by Comenity for both of those accounts to contact XXXX XXXX because they now own both of those accounts, I did so, and XXXX XXXX found me not responsible for these accounts and sent me letters stating this, which I have attached here. Yet, Comenity continues to report these to XXXX. I have sent all of this documentation to XXXX and to Comenity multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: NY

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: MA

Complaint narrative:
Experian stated in response to my dispute that in some dispute a change can be made without contacting the furnisher or vendor. Experian as you have requested I have provided additional supporting proof documentation directly from my XX/XX/XXXXBack checking account clearly showing payment made via automatic payment to XXXX XXXX XXXX account ending in XXXX XX/XX/2020 in the amount of {$410.00} dollars. I have attached proof supporting documentation from my XXXX XXXX  account showing payment made and received on time. You can clearly see from the supporting proof documentation that the payment was made and received on time for XX/XX/2020. I request that Experian review the additional supporting documentation I have attached. 


CFPB I ask that as the governing agency that you hold have Experian uphold the FCRA requirements in regards the additional supporting documentation I have provided to Experian. This additional supporting documentation clearly show my payment made to XXXX XXXX XXXX via automatic payment received on time for the month of XX/XX/2020.

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 2021-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I sent to this company a letter after calling them for about 3 hours, when you call the company they tell you that they have limited staff because of the covid. I have been working on my credit for about 4 months, I had advised the credit bureau that I had no knowledge of this company or this bill that they were collecting for. The credit bureau took it off of my credit report. Checking on XX/XX/2021, I found this company back on my with a different number and now the company has me owing 3 times as much. When I originally contacted the credit bureau 's I asked them for the original paperwork that had my signature listed on it and the status. If it was my debt I would have paid it off, but the credit bureau 's took the company or shall I said the company who bought my supposedly account. Midland Funding who bought my account had an attorney 's office collecting it for them. When looking at my credit report on the XXXX, I was fabregessed and sent to the floor. When I saw what Midland Funding and XXXX XXXX XXXX had done to me. Even today today is the XXXX of XXXX and I called and XXXX XXXX XXXX a couple of times today and still no answer trying to get in touch with these people. As I stated earlier in this I was on the floor, from such a blatant lie. I could not believe this, all they had to do was show me the original paperwork and this all could have been taken care of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a letter on XX/XX/2021 regarding an inaccurate item on my credit report. Over 45 days have passed, and I have yet to receive a response. I feel as if my dispute is being neglected and Im being disregarded. According to Section 611 ( a ) under FCRA, states that failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report it has been over 45 days, therefore it should be delete immediately or litigation will be pursued due to the stress this has caused my life. Additionally, my information was impacted by the Equifax data breach and may have comprised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: MA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/2015 with a balance of {$1100.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION 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 2021-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
Our new mortgage servicer, AmeriSave, failed to transmit our property tax payment to the County of XXXX within a timely manner. As a result, penalties were assessed, which the servicer agreed to take care of. However, they then forwarded payment for our taxes to the County three times for the same dollar amount. Now they are increasing our monthly payment and the loan principal without consent, and due to their error.

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 2021-05-28 00:00:00
Product: Credit card or prepaid card — Store credit 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: CT

Complaint narrative:
I brought two dress online at Macys. I used my Macys credit card. Both dresses was too big so I return them with tags still on. Macys return policy is to get a full refund. However once I return the dresses the Clerk at the Macys store in XXXX Connecticut the charge me {$28.00} and called it " return stars reward. '' The problem is I did not purchase the dress with " star rewards '' or any " coupons '' I paid full price. I have no problem with Macys making my " star rewards points '' negative but to act like star rewards is money and charge me without my permission is stilling. I contacted Macys and they keep ignoring the fact they charge me {$28.00}. I believe Macys clerk took my money because I am XXXX XXXX XXXX. I should have receive a full refund of {$120.00}. I paid {$130.00} on XXXX but Macys is only crediting my {$97.00}. Macys is willfully ignoring the fact Macys charge me {$28.00} on XX/XX/2021 in all our email communications.

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 2021-05-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I was approved for a loan modification in XXXX of XXXX. Due to COVID 19, the company extended three trial payment through XX/XX/XXXX. The trial modification was to include removing my former wife from the loan documents. Now after they have taken my money once again they still say they can not remove my former wife from the loan. I have asked and have been told numerous times how it must work to remove my former wife any number of times. I have written documentation from the Ombudsmen from XX/XX/XXXX that reads they in fact will remove my former wife name from the account, I have been going through this for 5 Years now, in addition I have offered to deal with this situation through a mediator. 

The loan was discharge through a bankruptcy, I was not told in could not be assumed.I have been trying to settle this for ages, how do I get some help here XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION 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 2021-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There is one inquiry on my credit report that does not belong to me I have tried to reach out to the furnisher as well as transunion but they are not helping me out in any way I have not put that inquiry on I have not accepted or approved this inquiry I need this off my credit asap. 

XXXX - TransUnion Inquiry from XX/XX/2020 2020

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