vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-14 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I have banked with USAA for years and I was having issues with fraud charges recently on my checking account and I wanted to close because getting a new card was obviously not stopping the issues. 

( I recently went to the local sheriffs department and filed a report in regards to suspicious and fraudulent issues-I will attach report proof ) I opened a second account and a bunch of very strange things happened on the original account that I was planning on closing. My bank account went from having thousands of dollars in it to be - {$950.00} negative. I basically stopped using that account until I would have time to call them and figure out what happened. I was missing {$1000.00} and it was saying I was {$1000.00} negative. And the math did not add up or show in the online statement what happened. 
After speaking with USAA collections department they agreed there was something wrong and was told they were going to have the fraud department reach out to me however they never did. ( This was approx a week ago ) they closed my account yesterday and claimed it was a charge off account! the account balance was XXXX positive at the time because I just received 2 separate XXXX XXXX transactions and they put my account as into collections for {$940.00}!! 

I spoke with the fraud department. They agreed that the math didnt add up and forwarded me to an executive management where she gave me proof that my account was XXXX positive status when closed. And that the USAA had a bank system update at the time of my accounts issues a month earlier-that caused this issue of my bank account balance to be incorrect. ( I should not be able to spend or transfer money if even XXXX dollar off. I have protection to make sure I do not overdraft. If I normally try to transfer or spend money my account will deny charge and say not enough funds ) We were also able to go through the statements and see that there was almost {$900.00} in fraud at the same time. 

However the account is closed! Its also already in collections and there was nothing that she can do about that other than give me the proof to submit and Im not really sure how Im supposed to get that {$900.00} reimbursed to me! Or get this entire Account off my credit record and stop harming me. I was denied car loans because of this even though I have finances and credit this mistake ( equally usaa and fraud not due to any mistakes I made and I am tired of it effecting me after I worked so hard to build my credit!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Control, LLC
State: TX

Complaint narrative:
I am a consumer, natural person and original creditor. A letter was received from Credit Control LLC on XX/XX/2021 alleging as fact that i owe XXXX XXXX XXXX XXXX {$4200.00}. No money was given to me by this institution and would like to know where the bank got the money from that they alleged i owed. Credit Control LLC violated 15 USC 1692b ( 5 ) by advising that they were " attempting to collect a debt '' which 15 USC 1692b ( 2 ) states that a debt collector can not state a consumer owes a debt. Pursuant to 15 USC 1692c ( a ) they sent communication without prior consent and committed identity theft by creating an account in my name without my knowledge. XXXX XXXX XXXX XXXX is also in violation because this is an invasion of individual and family privacy. Pursuant to 15 USC 1692d ( 2 ) Credit Control LLC violated me by demanding that i " submit '' or " make a payment '' to them. Pursuant to 15 USC 1692f ( 1 ) that's a violation to attempt to collect a debt unauthorized by an agreement between parties. I have no contract with them nor have i ever done business.

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 2021-08-14 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: MD

Complaint narrative:
I have submitted documentation re : an account that has been paid off. XXXX  and XXXX  have updated the account correctly. However, Experian has not only not updated but increased the original payoff balance from {$5200.00} to {$9000.00} after their investigation. The outstanding balance as never {$9000.00}. 

I have resubmitted documentation to Experian.

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 2021-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: SC

Complaint narrative:
I was sent a collection debt by " medical data systems '', in the mail on or around about XX/XX/2021. I then sent a debt verification letter on XX/XX/2021 by certified mail to the debt collector to please verify that the debt was legally mine within 30 days or to remove the debt. I have received no verification letter to date, but the debt is still on my credit report. I am asking the cfpb to investigate. I have also been receiving harrassing phone calls almost on a daily basis. I don't know how they got my cell number.

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 2021-08-14 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: Santander Consumer USA Holdings Inc.
State: TN

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 2021-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS

Complaint narrative:
OnXX/XX/XXXX I tried using my debit card was denied so I tried logging in to my online account with no success so I called in was told my account was being closed they weren't allowing and debits only credits and they reversed several of my payments i had made on the XXXXth and XXXXth. I'ma at a total loss as to why they feel the need to hold my funds for 60 days when they aren't allowing debits to my account. I need my money they are going to cause me to lose my home my car I can't feed my child and they won't provide me with where it states in agreement they are allowed to keep my money from me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 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: Kriya Capital, LLC
State: TN

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 non-monetary relief
Consumer complaint received 2021-08-14 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: TN

Complaint narrative:
Collector : XXXX XXXX  XXXX XXXX Account No. XXXX Balance : {$510.00} Collector : XXXX XXXX XXXX Account No. XXXX Balance : {$510.00} Collector : XXXX XXXX XXXX Account No. XXXX Balance : {$460.00} Collector : XXXX XXXX XXXX Account No. XXXX Balance : {$380.00} Collector : XXXX XXXX XXXX Account No. XXXX Balance : {$460.00} This is a formal complaint against XXXX, XXXX, and TransUnion. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 


I have disputed these accounts several times because the date open is reporting inconsistently. The letters came back verified and the accounts are continuing to report errors after they claimed to have verified it. I have reason to believe that you failed to conduct a re-investigation of my disputes.

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 2021-08-14 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: TN

Complaint narrative:
Collector : XXXX XXXX  XXXX XXXX Account No. XXXX Balance : {$510.00} Collector : XXXX XXXX XXXX Account No. XXXX Balance : {$510.00} Collector : XXXX XXXX XXXX Account No. XXXX Balance : {$460.00} Collector : XXXX XXXX XXXX Account No. XXXX Balance : {$380.00} Collector : XXXX XXXX XXXX Account No. XXXX Balance : {$460.00} This is a formal complaint against XXXX, Experian, and XXXX. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 


I have disputed these accounts several times because the date open is reporting inconsistently. The letters came back verified and the accounts are continuing to report errors after they claimed to have verified it. I have reason to believe that you failed to conduct a re-investigation of my disputes.

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 2021-08-14 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: OH

Complaint narrative:
On XX/XX/2021 I send a letter to TransUnion to validate and delete XXXX XXXX XXXX Account Number : XXXX. It has been more than 30 days and under 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) this item must be deleted promptly.

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 2021-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am a consumer, natural person and original creditor. A letter was received from XXXX XXXX XXXX on XX/XX/2021 alleging as fact that i owe Navy Federal Credit Union {$4200.00}. No money was given to me by this institution and would like to know where the bank got the money from that they alleged i owed. XXXX XXXX XXXX violated 15 USC 1692b ( 5 ) by advising that they were " attempting to collect a debt '' which 15 USC 1692b ( 2 ) states that a debt collector can not state a consumer owes a debt. Pursuant to 15 USC 1692c ( a ) they sent communication without prior consent and committed identity theft by creating an account in my name without my knowledge. Navy Federal Credit Union is also in violation because this is an invasion of individual and family privacy. Pursuant to 15 USC 1692d ( 2 ) XXXX XXXX XXXX violated me by demanding that i " submit '' or " make a payment '' to them. Pursuant to 15 USC 1692f ( 1 ) that's a violation to attempt to collect a debt unauthorized by an agreement between parties. I have no contract with them nor have i ever done business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-14 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I have banked with USAA for years and I was having issues with fraud charges recently on my checking account and I wanted to close because getting a new card was obviously not stopping the issues. 

( I recently went to the local sheriffs department and filed a report in regards to suspicious and fraudulent issues-I will attach report proof ) I opened a second account and a bunch of very strange things happened on the original account that I was planning on closing. My bank account went from having thousands of dollars in it to be - {$950.00} negative. I basically stopped using that account until I would have time to call them and figure out what happened. I was missing {$1000.00} and it was saying I was {$1000.00} negative. And the math did not add up or show in the online statement what happened. 
After speaking with USAA collections department they agreed there was something wrong and was told they were going to have the fraud department reach out to me however they never did. ( This was approx a week ago ) they closed my account yesterday and claimed it was a charge off account! the account balance was +500.00 positive at the time because I just received 2 separate XXXX XXXX transactions and they put my account as into collections for {$940.00}!! 

I spoke with the fraud department. They agreed that the math didnt add up and forwarded me to an executive management where she gave me proof that my account was XXXX positive status when closed. And that the USAA had a bank system update at the time of my accounts issues a month earlier-that caused this issue of my bank account balance to be incorrect. ( I should not be able to spend or transfer money if even XXXX dollar off. I have protection to make sure I do not overdraft. If I normally try to transfer or spend money my account will deny charge and say not enough funds ) We were also able to go through the statements and see that there was almost {$900.00} in fraud at the same time. 

However the account is closed! Its also already in collections and there was nothing that she can do about that other than give me the proof to submit and Im not really sure how Im supposed to get that {$900.00} reimbursed to me! Or get this entire Account off my credit record and stop harming me. I was denied car loans because of this even though I have finances and credit this mistake ( equally usaa and fraud not due to any mistakes I made and I am tired of it effecting me after I worked so hard to build my credit!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 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:
I have banked with XXXX for years and I was having issues with fraud charges recently on my checking account and I wanted to close because getting a new card was obviously not stopping the issues. 

( I recently went to the local sheriffs department and filed a report in regards to suspicious and fraudulent issues-I will attach report proof ) I opened a second account and a bunch of very strange things happened on the original account that I was planning on closing. My bank account went from having thousands of dollars in it to be - {$950.00} negative. I basically stopped using that account until I would have time to call them and figure out what happened. I was missing {$1000.00} and it was saying I was {$1000.00} negative. And the math did not add up or show in the online statement what happened. 
After speaking with XXXX XXXX department they agreed there was something wrong and was told they were going to have the fraud department reach out to me however they never did. ( This was approx a week ago ) they closed my account yesterday and claimed it was a charge off account! the account balance was +500.00 positive at the time because I just received 2 separate XXXX XXXX transactions and they put my account as into collections for {$940.00}!! 

I spoke with the fraud department. They agreed that the math didnt add up and forwarded me to an XXXX management where she gave me proof that my account was XXXX positive status when closed. And that the USAA had a bank system update at the time of my accounts issues a month earlier-that caused this issue of my bank account balance to be incorrect. ( I should not be able to spend or transfer money if even XXXX dollar off. I have protection to make sure I do not overdraft. If I normally try to transfer or spend money my account will deny charge and say not enough funds ) We were also able to go through the statements and see that there was almost {$900.00} in fraud at the same time. 

However the account is closed! Its also already in collections and there was nothing that she can do about that other than give me the proof to submit and Im not really sure how Im supposed to get that {$900.00} reimbursed to me! Or get this entire Account off my credit record and stop harming me. I was denied car loans because of this even though I have finances and credit this mistake ( equally usaa and fraud not due to any mistakes I made and I am tired of it effecting me after I worked so hard to build 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 non-monetary relief
Consumer complaint received 2021-08-14 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: TN

Complaint narrative:
Collector : XXXX XXXX  XXXX XXXX Account No. XXXX Balance : {$510.00} Collector : XXXX XXXX XXXX Account No. XXXX Balance : {$510.00} Collector : XXXX XXXX XXXX Account No. XXXX Balance : {$460.00} Collector : XXXX XXXX XXXX Account No. XXXX Balance : {$380.00} Collector : XXXX XXXX XXXX Account No. XXXX Balance : {$460.00} This is a formal complaint against Equifax, XXXX, and XXXX. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 


I have disputed these accounts several times because the date open is reporting inconsistently. The letters came back verified and the accounts are continuing to report errors after they claimed to have verified it. I have reason to believe that you failed to conduct a re-investigation of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc

Complaint narrative:
PAYPAL sent me an email last XX/XX/2021, to paypal acct. XXXX After a review, we decided to permanently limit your account as we found potential risk associated with it. Youll not be able to use PayPal to send and receive payments or shop online. 
If you have funds in your PayPal balance, well hold the amount for up to 180 days. After that period, well email you with information on HOW TO ACCESS YOUR FUNDS..I immediately email Paypal to ask what is " potential risk '' i made and asking for a proof, because my Paypal acct. are Clean, no issue, no complain and no charge back. But Paypal simple reply me that they can not disclose the reason and wait 180 days to refund my money. 
I patiently wait 180 days, But on 178th day, When I check my Paypal acct. amounting XXXX peso or roughly US {$420.00} .the balance is XXXX. 
I immediately Email paypal, demanding an explanation and the Paypal response due to violation of terms and use. without giving me any proof what i violated. 
In the first place why paypal email me to wait 180 days and they will refund my money. 
I feel i was robbed, and mentally abused. 
I hope your good Office give Justice and Help me.

Company response to consumer: Closed with explanation