vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-01 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: TX

Complaint narrative:
I contacted credit bureau about 30 days or more late payments on my accounts I was told that the information is correct. 
I contacted XXXX XXXX they have stated that there is no late payments

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 2021-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
Paypal is claiming that I have a negative balance in my account of {$79.00}. 
I have tried to resolve this with their online dispute resolution process unsatisfactorily. They are claiming the only way to resolve the negative balance is to pay it. 
However, Paypal can not explain how the negative balance appeared in my account. 
Based upon how I use Paypal ( I use it for security for online purchases and for convenience, and it immediately debits either the XXXX XXXX or the XXXX cards that I have connected to it ), there should not be a negative balance. 
I only use Paypal to make purchases which are immediately charged against linked credit cards ; I do not use Paypal for any other kind of transaction ( for example, I do not sell anything or use Paypal to collect funds for any purposes ). 
Thank you for your assistance. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation
State: AR

Complaint narrative:
My account is being reported as 30 days late from XXXX in XXXX from a bank error. This issue was raised back in XXXX when the inaccurate data first showed up on my report and was corrected. Recently the account has been reported 30 days late from that same time in XXXX of XXXX. I call to correct this error and it is temporarily corrected until the next statement cycle occurs. 

The previous CFPB Case number : XXXX Company Response : Dear Mr. XXXX : We are in receipt of your correspondence to the Consumer Financial Protection Bureau regarding your Fortiva Credit Card account. Thank you for the opportunity to respond. On XX/XX/XXXX, our records indicate that you spoke to MrXXXX XXXX regarding the concerns you were having related to the billing of account maintenance fees that caused your account to go past due. As a courtesy, Mr. XXXX advised that we have waived a late fee in the amount of {$10.00} and we have advised the credit bureaus to show your account as never past due. As a reminder, pursuant to the terms of your Cardholder Agreement, an account maintenance fee is billed to your Account each month as long as your Account is open, or you have an outstanding balance. Sincerely, XXXX XXXX On behalf of Fortiva Credit Card* *XXXX XXXX XXXX XXXX is the creditor of the Fortiva Credit Card account XXXX 

I also have attached a screenshot of my current credit reporting from FORTIVA and pulled my Tri-Bureau report from Q4 of XXXX to show the change that has occurred in the reporting. I have attached a letter from FORTIVA indicating the credit file is reporting no delinquencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
When monitoring my credit I noticed that a Collections account from Ad Astra Recovery showed up on my 3 reports in the amount of {$6200.00} with the original creditor showing up as XXXX XXXX or XXXX XXXX XXXX. I have no information about this account or this amount of money that I supposedly owe. In XXXX, XXXX and XXXX of XXXX  my mail box was broken into 5 times even after changing the locks in the complex that I live. I had Credit Cards opened in my name that I took care of immediately and a Jewelry line of credit opened in my name that I took care of immediately. All which were identify fraud. I have never heard of this company and I did not take out this money. This is Identify Fraud and I would like this account removed from the 3 credit agencies. I have been disputing this account with them credit agencies for 6 months but it has yet to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: FL

Complaint narrative:
I am requesting to delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below.I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

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 2021-07-01 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: FL

Complaint narrative:
I am requesting to delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below.I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On XX/XX/2021 I initiated a transfer of funds, {$1000.00}, from my previous bank account with XXXX XXXX to Citibank Online. I had opened a checking account on XX/XX/2021 with Citibank Online. On XX/XX/2021 I had tried to transfer more money into the account only to receive an error saying that Citibank was not responding. 

Upon checking my email following the above, I filled out a documentation form requesting my drivers license and a proof of address. After this I called customer service for Citibank. 

I spent the next four hours speaking with various customer service representatives over the phone and using the chat function on the Citibank App. I was informed that my account had a hold on it for a {$0.00} transaction that was only visible to the customer service representatives, and not to me. Thus my account is under investigation for next 7-15 business days. With no way to resolve it. I was also told that I could not expedite the process, even though all funds I possess were in that account. I was also informed I could not transfer my funds out of the account, nor access them in anyway until the department was finished with the investigation. I was never able to speak with a supervisor or manager upon request to verify this information, though I requested to do so multiple times. My money is on hold for no discernible reason. I also was hung up on by customer representatives multiple times, and treated without care or resolving my issue. I was also refused the number of the team that would actually be resolving the hold on my account, being told that the " backroom team '' would be taking care of it.

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 2021-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
In XXXX of 2021, I began receiving collection notices from Bull City Financial Solutions , Inc for a medical debt from XXXX Hospitals. First, I was not given proper and legal notification that the debt could be challenged. 

The collection agency is in violation of the North Carolina Fair Debt Collection Practices Act which is functions separate from the Federal version of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I contacted Synchrony bank about my Amazon account not appearing on my XXXX credit report several times. Rather than insert the account, they no report the comment that consumer disputes account information. I made it clear to the CS agent that I was not disputing the account but needed them to work with XXXX to resolve the matter. I could not get escalated to a CS agent that understood the problem and knew how to address it.

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 2021-07-02 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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: FL

Complaint narrative:
In previous months I've disputed these items from my credit report and absolutely nothing has happened. I've requested the credit bureau to provide me with the data furnishing company that is reporting the information as accurate, and still nothing. I'm not aware with how and who was it that gained access to my information to open the accounts but I did not. Nor did I file bankruptcy with the courts, the information is also inaccurate and I need 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 2021-07-01 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: NY

Complaint narrative:
Blessings to you. I am a victim of identity theft and this my 3rd time contacting you guys about fraudulent accounts being on my report that are not mine. This has been a struggle for me and my family because we are in the process of buying a home. My life has been turned upside down because of these accounts. This is an injustice for me as a consumer with your company. I need to be protected and safe. Instead I feel like you guys aren't taking care of the wrongs that these criminals have dealt me. I filed an FTC report in the beginning of the year and none of the accounts were removed that should have been. According to the FCRA 605B ( 15 USC1681 c-2 ) These accounts have to be removed within 4 days of receipt or it is a violation that can be brought to a jury for compensation. My information was stolen in a Data breach a coupe years back so that's how these criminals got my information in the first place. So the companies will try to validate them but they can't because my id was stolen. I now will need these accounts to be removed because the law is being violated. I am attaching proof of my identity, identity theft affidavit, FTC report, notarized letter.

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 2021-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX I received a letter from Convergent Outsourcing with a XXXX account number XXXX statement bill attached, under federal regulations this does not qualify as a " valid verification of debt ". 
I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. 

In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ), the court ruled that : 15 U.S.C. 1692g ( b ) ( emphasis added ). On XX/XX/XXXX, nineteen days after the date of XXXX debt collection letter, XXXX counsel XXXX sent XXXX a letter declaring that XXXX disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, XXXX should have ceased his debt collection efforts immediately upon receiving that letter. Instead, XXXX proceeded to obtain a default judgment against XXXX  on the debt collection claim before he had mailed XXXX  the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). 

XXXX  maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to XXXX ] in the XX/XX/XXXX notice of claim. Brief of XXXX at XXXX. Specifically, XXXX claims that a copy of the consumer credit contract between XXXX and American General attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree. 

The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of XXXX loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by XXXX, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once XXXX  stopped making the required payments. Indeed, the existing unpaid contract balance at the time XXXX sent the debt collection notice was at least {$350.00} more than the original loan amount.

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 2021-07-01 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: U.S. BANCORP
State: FL

Complaint narrative:
Someone stole my identity and used my credit card to open a account online and withdrew money from my credit card and put in the account they opened. It is not my account they opened. The money taken out was $ XXXX $ XXXX {$400.00}. I did not take this money out. They put it in the fraudulent account ending in # XXXX. I do not have a personal account ending in that. 
The credit card company XXXX XXXX says I am responsible for this money. Thats so unfair. I did not withdraw this money and place it in this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: OR

Complaint narrative:
I finally looked at my credit report this XXXX to pay down my debts. I called XXXX about the duplicated charge for the same day posted to a debt collector and was told to call the agency which was evergreen professional recovery but that they would dispute the reports. there were three. one for XXXX dollars placed on XX/XX/2016, and two for XXXX dollars for the same day on XX/XX/2016. 

when I called evergreen they suddenly claimed I owed over XXXX dollars in medical debt from XXXX from XXXX not the XXXX on my XXXX  report. I had insurance at the time. she tried to lie to me about sending me the medical records from XXXX that show what procedures that money is from to get my address from me. I know creditors do not have access to information about procedures ive had or not had because it violates XXXX policy. 

furthermore XXXX sending me to collections instead of billing my insurance is predatory and seems to be a part of something they do on a regular basis. I am not the only person to have this experience. I have XXXX  and no job now and have XXXX charges or copay with this type of state insurance and somehow they are trying to take me to collections for recent things as well. it should be noted that in between XXXX and now I've had providence, as well as health share Oregon all under this same tier and umbrella of XXXX  and have never been charged for anything. XXXX would get paid the same if they took their charge disputes to XXXX instead of harming those under XXXX XXXX that have no money and no jobs and that's WHY they have 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 2021-07-01 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: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I have contacted Medical Data Systems about my debt and the information they are not supposed to have. They have personal detailed billing of when I was at the hospital. They are not supposed to have all of that information. That is a HIPPA violation. I have filed a dispute with the XXXX  and XXXX. Neither one have resolved my problem. I have proof of what they can see because they sent the information to me. They are only supposed to see basic stuff about me. I will be attaching what they sent me.

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 2021-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Onewest Bank allowed a fraudulent check to be written using my account number. I am at a loss for XXXX XXXXXXXX dollars, and they have refused to take any action. Details below. 

Onewest Bank was notified on or about XX/XX/XXXX about a incident of check fraud, where a check I had issued in the amount of {$1900.00} was cashed by someone other than the intended recipient. This check was cashed on or about XX/XX/XXXX. The date on the check has been forged and there is no endorsement on the back of the check. Onewest Bank refuses to tell me any information about where or whose account this check was deposited into. An affidavit has been signed affirming these facts on XX/XX/XXXX. When calling Onewest Bank, the expected time for resolution of the claim has been changed from 30 days, to 45 days, to now 90 days. I have attempted to resolve this matter in person at a branch on XX/XX/XXXX and XX/XX/XXXX, as well as by phone on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have been given no explanation or answers about when my stolen funds will be returned. 

CFPB complaint filed. Case XXXX During this complaint I had been in contact with a XXXX XXXX at the Onewest call center, at XXXX XXXX XXXX XXXX. After filing a complaint with the CFPB, i was contacted by a XXXXXXXX XXXX with Onewest Bank XXXX XXXX XXXX Team, phone number ( XXXX ) XXXX. XXXX XXXX  continually assured me that this would be resolved 90 days after the initial claim was filed, and that they were waiting for XXXX XXXX XXXXXXXX to respond to the claim. XXXXXXXX XXXX  as refused to disclose the identity of the person whose account the fraudulent check was deposited into. I have called XXXXXXXX XXXX on multiple times getting the same useless statements, not giving any real time frame other than 90 days for me to have my money returned. 

XXXXXXXX XXXX  has now refused to return my calls since the 90 day period since the claim has ended. I have called her on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

XXXX XXXX has now referred me to the local bank branch, which has no authority to reimburse me for a fraudulent check. Rather than address the claim, Onewest has decided to direct me to " XXXX XXXX XXXX' in reference to my stolen funds. 

Onewest bank has lost {$1900.00} of mine and refuses to reimburse me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I was charged an overdraft fee on XX/XX/21. I would like a refund.

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