vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-07 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: TX

Complaint narrative:
I had several unauthorized charges on my card in XXXX and XXXX and one of them was for Paypal. 

I do not have a pay pal account and this is the second time within the past few years they have stolen money from me. The last time they managed to get several thousand dollars before I was able to cancel my card. 

When I contacted them about the fraudulent charges they said I needed to set up an account with them in order to dispute the charge. I did not want to set up an account with them since they have a history of stealing my information. 

I did end up trying to login to the account they " created '' for me last time they stole money from me and they claim I owe them money from the previous fraudulent transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: McNeil & Meyers Asset Management Group, LLC
State: LA

Complaint narrative:
I had previously reached out to this company on or about XX/XX/XXXX, because I had something placed on my credit report, In the amount of {$700.00} dollars. I had no knowledge of where this account came from, they instantly removed the account from my credit report after speaking with them on the phone. Someone called on or about XX/XX/XXXX to speak to me about a debt that they had tried to collect, in that conversation I let them know that I only wanted mail correspondence and to stop calling me. A week later, I received another call from the same company, I stated on their recorded line that I only wanted to have a mail correspondence for my records. This company has called me every week and has yet to send mail correspondence. On XX/XX/XXXX, I was called again, I attempted to set up and arrangement with the company in order to pay back said debt although the debt had not been verified, after asking them how much they had paid for the debt, I was offered a payment plan for {$350.00} dollars, I was sent an email with a portal to pay but with no set amount and with no account information. XXXX XXXX then told me that this account would be added to my credit report and that I had to pay it or it was destroy whatever I had planned for the future, I was also told that they were not a debt collection agency and that they were lawyers hired to get their clients money back. On XXXX XXXX, the same company called my mother in law and then myself about the same debt and again on XX/XX/XXXX and XXXX. On XXXX XXXX, I was called in the middle of a job interview and was immediately dismissed. These calls have gone from down right annoying to straight up harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MS SERVICES LLC
State: CA

Complaint narrative:
I do not recall having this account or being associated with this company ever! The monthly payment, credit limit, and terms are missing from the report. I have disputed this account multiple times but it's still showing on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

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 2021-10-07 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: TX

Complaint narrative:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Nelnet, Inc.
State: SC

Complaint narrative:
Great Lakes is demanding that I pay them about XXXX in regards to a student " loan. '' Credit is my right. I am aware that I made a consumer credit transaction for the use of my personal purposes. The finance charges according to 15 U.S. Code 1605, is the sum of all charges and does not include paying money outside the charge. 
I am the original creditor and do not owe Great Lakes any money, I never gave them written consent to contact me in regards to the alleged debt, They owe me for falsely representing my account, adding interest to the " loan '' and sending incorrect billing statements..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
I paid my credit card on XXXX in the amount of XXXX, I have no food, no diapers and they are refusing to take off the manual hold when they got there payment I was told my kids have to wait another 7 days for it to fall off, there has to be something that can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
My son sent me money through PayPal using the family and friends method and PayPal has it on hold for no reason. Its in my account now but I am unable to do anything with it, I cant withdraw it, I cant send it, I cant spend it or refund it. After giving me the run around for 8 hrs yesterday I finally spoke to someone that was able to bypass all the security and I was able to withdrawal only half of it. When I tried the other half I get a error, so I contacted PayPal again and they tell me its on hold for 24hrs because of security risk, how is there another security risk when I just spoke to someone and they bypassed everything after I verified and confirmed my identity already. I decided to give up for the day then this morning I attempted to withdrawal it again and it didnt work. So I contacted PayPal and followed all the instructions they gave me, tried to withdrawal it using a different card and stuff because they told me it will work, well it didnt work. All morning Ive been messaging a rep at PayPal and he keeps giving the run around and lying to me, now suddenly instead of a 24hr hold its now a 72hr hold. I followed every direction he told me to follow and now its a 72hr hold. He caused it to become 72hrs not me. I would have had only a few hrs left if it wasnt for him. They keep bring up security system and risk when Ive done nothing at all myself to trigger such a thing. I need my money so I can buy my daughter milk and diapers, I got XXXX kids I cant wait 72hrs to access my funds. It was money that was sent to me by my own son, all I did was try to withdraw it from PayPal to use, how did I trigger any security flags. Ive spoken to at least 10 different reps at PayPal and they keep on lying to me and giving me the run around, what kind of business is PayPal running, they are scamming people at a time like this when were in a pandemic, theres suppose to be relief and support going around but they are causing nothing but stress and hardship, they are taking time away from me and my family. I know they can bypass whatever security system and let me withdrawal my money because one person was able to already. I just want them to give me my {$100.00} and I wont do anymore type of businesses with them anymore, they are the worst, what they are doing cant be legal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
capital one has ignored my requesting of validation of debt i have Cleary stated please provide a wet ink signature with a contract me agreeing to this debt, capital one has only be able to provide mail address, ssn, name for verification under federal law that is not verification of a alleged debt, please see attached documents for further information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: GA

Complaint narrative:
I received a letter on XX/XX/XXXX from Waypoint Resource Group ( Acct # XXXX ) stating that i owed {$160.00} for a XXXX account. I immediately reached out to Waypoint and after dealing with a couple of rude representatives, i got in touch with a supervisor named XXXX XXXX. I explained that i had contacted XXXX and they were investigating. Prior to contacting Waypoint, I got in touch with XXXX executive offices and spoke to XXXX ( Elite Customer Experience Mgr. - XXXX Complaint # XXXX ). Ms. XXXX looked into this and came to the conclusion that this was filed in ERROR and that they ( XXXX ) had already sent notification as of XX/XX/XXXX to Waypoint to remove. In my conversation with XXXX ( Waypoint ) i agreed to contact him before XX/XX/XXXX to either pay or verify that this debt was invalid. I have called MrXXXX XXXX 8 times between XX/XX/XXXX and XX/XX/XXXX. The reps keep telling me he will call me back but as of XX/XX/XXXX no contact. This is showing negative on my credit report and they wont contact me or try to fix this, even though XXXX has told them that it was filed in error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: Home Point Financial Corporation
State: NC

Complaint narrative:
I filed a dispute in regards to a late payment on my credit report. It has been well over 30days and I have not received any investigation reports. This creditor has reported a late payment to my report and I am asking that the late payment be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: Fidelity National Information Services, Inc. (FNIS)
State: TN

Complaint narrative:
upon checking my chexsystems report i notice it was fraudulent inquiries on my file

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 2021-10-07 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: NY

Complaint narrative:
I was reviewing my credit and noticed the following inconsistencies which violate my rights as a consumer. The following charge off account listed with XXXX XXXX  XXXX CARD with the account number XXXX has the following inconsistencies and violations. I have attached with this complaint a copy showing all 3 credit bureaus side by side for your review. *The HIGH CREDIT is inconsistent across 2 credit bureaus. If all bureaus receive the same information from the creditor, there should be no inconsistencies. * *The LAST REPORTED is inconsistent across all credit bureaus. If all bureaus receive the same information from the creditor, there should be no inconsistencies. * *The late DATE LAST ACTIVE is inconsistent across all credit bureaus. If all bureaus receive the same information from the creditor, there should be no inconsistencies* *The DATE OF LAST PAYMENT is also inconsistently reported across all credit bureaus. This is also a violation* As you know, the aforementioned inaccuracies are a violation to my right as a consumer and also a clear indication that this information was NOT properly verified upon you receiving it. I have faith in this credit bureau to be an outstanding company and protect my rights under the FCRA. Please delete the account from my report immediately and send me an updated copy of my report with the reflected changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2021 I wrote a letter to all 3 credit bureaus in regards of items that I disagree with on my credit report after I pulled my report. I sent out my letter certified so I can keep track of all my documents because I know they have a certain amount of time for responding to my letters. I will attach my letters, return receipts and my proof of identity so you can help me with this matter because this is unfair that these credit bureaus are putting crazy items on my report like this.

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 2021-10-07 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was reviewing my credit and noticed the following inconsistencies which violate my rights as a consumer. The following charge off account listed with XXXX XXXX  XXXX CARD with the account number XXXX has the following inconsistencies and violations. I have attached with this complaint a copy showing all 3 credit bureaus side by side for your review. *The HIGH CREDIT is inconsistent across 2 credit bureaus. If all bureaus receive the same information from the creditor, there should be no inconsistencies. * *The LAST REPORTED is inconsistent across all credit bureaus. If all bureaus receive the same information from the creditor, there should be no inconsistencies. * *The late DATE LAST ACTIVE is inconsistent across all credit bureaus. If all bureaus receive the same information from the creditor, there should be no inconsistencies* *The DATE OF LAST PAYMENT is also inconsistently reported across all credit bureaus. This is also a violation* As you know, the aforementioned inaccuracies are a violation to my right as a consumer and also a clear indication that this information was NOT properly verified upon you receiving it. I have faith in this credit bureau to be an outstanding company and protect my rights under the FCRA. Please delete the account from my report immediately and send me an updated copy of my report with the reflected changes.

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 2021-10-07 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: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: IL

Complaint narrative:
Equifax refuses to remove credit inquiries that are fraudulent and I faxed and uploaded to the copies of my police report and identity theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

4. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/2021 This is not mine. 

5. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 

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

7. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-07 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: CITIBANK, N.A.
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/2021 This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

4. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/2021 This is not mine. 

5. Identity Theft THD/CBNA  Account Number : XXXX This is not mine. 

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

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

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

9. 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 explanation