vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I have received a letter from XXXX XXXX XXXX XXXX dated XX/XX/2021, stating that I owe a debt to US BANK for {$430.00}, which is a settlement amount. It doesnt even list the balance in full. They have also reached out to me via phone threatening me like they are going to sue me and garnish my wages over a debt I DO NOT OWE! The gentleman who called me was EXTREMELY rude and telling me, I better pay or else!. For here on out I am recording EVERY conversation and looking into attaining an attorney. I am also going to the police about this matter.

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 2021-03-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC
State: CO

Complaint narrative:
We took the forbearance plan with our mortgage company presumably under the CARES act. Now when I have ended the forbearance we have been hit with a lump sum payment amount of {$19000.00}. I was under the impression that with an FHA mortgage, we would be given the option of making a payment plan or having the amount added to our mortgage. I have emailed and called and left messages to United Wholesale Mortgage but have gotten no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
I was looking over my credit report and I saw this negative collection item of {$930.00} for something I do not recognized from a company called ONLINE INFORMATION SERVICES the report shows the account was open XX/XX/2018 and the original creditor was XXXX XXXX XXXX  XXXX  I would like this to be permanently removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
TransUnion changed my name on XX/XX/2021 to a XXXX XXXX XXXX XXXX. I called on XX/XX/2021 to have it corrected, which is not still corrected at this time. I received a copy of my credit report and the XXXX is still on there. They never corrected per the phone call when I asked them too. My real name is XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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:
There are numerous accounts listed on my credit report that I currently have no knowledge of. This was a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Elevate Recoveries, LLC
State: OH

Complaint narrative:
THEY BREACHED HIPPA! 
I received an account on my report through Elevate Recoveries LLC with no written notice, phone call, or anything about the account. Not only this, they have information that I never gave permission to have released through HIPPA. This is unacceptable, not only was there a failure to file a written notice they breached my write to privacy through healthcare. If the account isnt removed I will take further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: FL

Complaint narrative:
I was looking over my credit report and I saw this negative collection item of {$340.00} or something I do not recognized from a company called PENN CREDIT CORP the report shows the account was openXXXX XXXX 2019 and the original creditor was XXXX XXXX XXXX XXXX  I would like this to be permanently removed from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: PA

Complaint narrative:
XX/XX/2021, I am very upset with this matter. I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I did my research I know the credit bureaus have 30 days to reply back and they haven't. I feel like the credit bureaus are taking advantage of me by ignoring my disputes I took time to send them. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. Due to that law I researched, I demand these accounts be deleted immediately or I file litigation due to the stress you cause me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person, I am begging for help at this point. This is my second time writing this message. I am who I say I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Accounts Interchange Group LLC
State: FL

Complaint narrative:
Days following up to XX/XX/XXXX a XXXX from AIG ( accounts interchange group ) contacted me about a debt from XXXX the XXXX XXXX XXXX. This was a legitimate debt but the way it was handled was very unprofessional. XXXX left me a voicemail on my business phone and because he heard what the name of my company was, he threatened on the call and said thats fine Ill just be contacting your management company and they can give me the information I need to garnish your wages I told him that I was not able to receive personal calls at work and also told him that my company has nothing to do with my debts. I also told him that I didnt want him to contact me anymore just like it says on the companies website. he kept on and on and in a threatening tone the whole time told me that if I didnt pay by the end of business that day, that I would be going to court. I felt that the threats would not end and had just recently received a XXXX at work and did not want my job contacted over something so silly that I ended up paying him the XXXX that was owed. He told me it was too late to do any sort of payment plan eventhough this was the first time I had ever even been contacted about this debt from 2016

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: NC

Complaint narrative:
I got a bill its not mines they kept calling XXXX {$190.00} Date XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I submitted letters to each credit bureau requesting the extended fraud alerts be removed from my credit files. I am trying to purchase a property and it's hindering the process. Experian, XXXX, and XXXX  have failed to remove the extended fraud alerts to date.

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 2021-03-09 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: DC

Complaint narrative:
There is an account reporting INCORRECT INFORMATION. XXXX XXXX is reporting that I have 45 charge offs?!!! That is impossible! It's is only reporting on 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 2021-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pavilion Payments US BuyerCo, LLC
State: CO

Complaint narrative:
I wrote to global check services regarding the extensive fraud that has occurred under my name and disputing the demand for payment that I continue to get from this company, and their response was to send information that I dont know how to get. They are requesting {$500.00} from me for online gambling for a XXXX casino account that I dont have. This money should have never taken because my accounts were closed back in XXXX. I have attempted to resolve but are asking for a notarized affidavit of forgery. All I have is my FTC report # a submitted police report along with identity theft alert and locked credit reports. Im not sure what I can do to satisfy their requests and frankly I have been jumping through hoops and even obtained legal counsel since my bank did not follow regulation E when I noticed the unauthorized transactions on my accounts. They did not investigate until my money was stolen from my account. I have issued several statements regarding my banks misconduct only to continue to fight for my rights. I would appreciate any help you can give regarding my situation. I am failing when I continue to point out and explaining that due to their inability to follow regulation E my accounts would be in good standing given their decisions to not give me any money, since no investigation was done in the appropriate time frame. That the account in question with global check services should have never been an issue since this was part of many, fraudulent transactions that I had brought to their attention back in XX/XX/2020. Im not sure what to say about the account that is requesting that I pay since I am not sure how any money would have been received from the closed account. If theres any other way to get money from an account that was closed In XXXX, specifically the XXXX of 2020 that would be all for XXXX XXXX XXXX to explain, since I opened a new account, it has been compromised but they continue to refuse me my disputes. I have never used the new account that is also been closed due to money lost. I just dont understand how much I am supposed to lose that XXXX continues to refuse lawful assistance according to the EFTA/ FCA/regulation E and so many other consumer rights that are being dismissed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
PayPal closed my account for no reason and does not let me add a new bank account or a new debit card to my PayPal so I can able to withdraw my money after the 180 days restriction is over. 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 make a report on here as I feel they are not doing their job properly. The email to my PayPal account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ray Klein, Inc.
State: NM

Complaint narrative:
I continually receive debt collection notices from Professional Credit Services on behalf of the XXXX XXXX XXXX XXXX, for a supposed past due tax bill of {$590.00}. I have the credit card statement attached in .pdf form. clearly showing I paid the {$590.00} tax bill on XX/XX/2020, and paid an additional {$14.00} for making the payment using their phone system. I do not owe any money to the XXXX XXXXt XXXX XXXX or to Professional Credit Services. Repeated attempts to correct this have been ignored by both parties. Any assistance you can provide would be very much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: OK

Complaint narrative:
I am XXXX XXXX ... PayPal email associated is XXXX. I have a balance of {$4100.00} usd remaining in my permanently limited PayPal account. I am not satisfied with the account limitation placed on my account because I dont feel as though I have breached the Pay pal terms and conditions or the the user agreement guidelines. I have tried with several attempts to contact someone with PayPal to assist with my current problem. Nobody seems to want to help. I already completed 180 day hold term not only once but nearly twice now. If there is any way someone can help me with assistance on getting PayPal to restore my account or making my funds available to transfer? I dont even want to continue do any further business with them. I will close the account as soon as my funds are withdrawn. The only other people I could think of contacting about this issue is the XXXX. My name is XXXX XXXX XXXX XXXX I will be attaching my Identification card photo and a case reference number as well XXXX is my contact number. Thanks whoever this may concern for considering my request for help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: NY

Complaint narrative:
I informed them that the amount owed is not correct nor is the account number. The buraus said they investigated but asked how was it investigated they sent back the same information. They dates I sent letter was XX/XX/20 and XX/XX/20. The amount {$870.00}, and {$550.00} both accounts went out on the same date and 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 explanation
Consumer complaint received 2021-03-09 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: OR

Complaint narrative:
Hello, XXXXrst of I would like to thank everyone attending this matter that is very important to myself. With that being said, I regret to inform that I believe that unfair and incorrect information is being reported on my credit profile. I disputed with TransunionXXXX XXXX XXXX XXXX and the investigation to me, was not resourceful to correct my credit profile. Various unfair Inquiries were reported on my profile, I disputed such actions, I personally took the time to talk to each creditor who appears on my profile and not a single one had paperwork or proof of such Inquiry. I feel cheated by such thing that is why I have decided to dispute this with CFPB. The false inquiries reported are the following, along with the reporting credit bureau. 

XXXX : XXXX XXXX XXXX, XXXX. XX/XX/2019, XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XX/XX/2019, Off Lease Only XX/XX/2019. 

XXXX XXXX XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XXXXXX/XX/2019, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2019 The previously listed Inquiries Were NOT approved or Authorized by me and I would greatly appreciated if the CFPB would help me out, This is my last resort to disputing false information being reported on my credit 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 2021-03-09 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: NV

Complaint narrative:
I am a victim of Identity-Theft and have reported the fraudulent accounts to the Local Police, FTC and CFPB concerning each incident. I have been informed by them to request an immediate suppression and BLOCKING of these erroneous accounts pursuant to FCRA 605 ( b ) within ( 4 ) days upon receipt of my request to you..Here are the fraudulent accounts and inquiries being reported at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: CarMax, Inc.
State: DC

Complaint narrative:
There is an account reporting INCORRECT INFORMATION. CAR MAX is reporting that I have 45 charge offs?!!! That is impossible! It's is only reporting on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Ray Klein, Inc.
State: CA

Complaint narrative:
I am receiving voicemail messages from a XXXX XXXX XXXX. I look this company up on the Web and there is no such company. But that is not the biggest problem the problem is the messages they are leaving are not leaving enough information one they are not asking who they are looking for two they are not saying who they are collecting on behalf of. According to the federal trade commission they have to comply with not only leaving s messages who they are collecting for and asking for the right person so I am under the impression that they got the wrong phone number and the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
On XX/XX/2021, I spoke with Quicken Loans about mortgage options. To my knowledge, At no time was I told or informed that quicken loans was going to pull a credit report. I did not sign any document giving them permission to pull credit report. Furthermore, quicken loans pulled a copy of my wife 's credit report without her knowledge or permission. 

I complained to " loan executive '' XXXX XXXX & he claims that he has on a taped phone call ( illegal in state of Florida ) a conversation giving him permission to pull credit report. 

I demand that this company be prosecuted to the full extent of the law & that their license to peddle loans in the state of florida be revoked

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: The Law Offices of Quinn M. Kofford, P.C.
State: UT

Complaint narrative:
To whom it may concern, I have been harassed by a debt collector for over a year now. Everytime I asked to verify if the debt was truly owed and asked for a statement or explanation of benefit for the original debt, I was told that I would receive something. This never happened, and I continued to receive harassing phone calls and mail from the debt collector. 
One month ago, I was harassed by the debt collectors themselves. They sent a courier to my house to deliver me a bogus court Summons in order to extort money from me. The original debt was for {$110.00} and they told me that I owed $ 500+. According to my rights, I continued to ask for evidence from the original provider, again they would not provide this to me. Finally, I was able to track down the medical office that provided the treatment and they were able to provide me with a bill. I attempted to cover the original amount to no avail. 
I went back to the debt collector and attempted to settle up. They were unwilling to work with me and extorted $ 500+ and told me that the interest and penalties were going to increase by {$100.00} every week until I paid up. Of course I did not want my family or I to continue being harassed so I caved in and paid them. 
I feel like this place is a scam and is only after peoples hard earned money. They do not follow the rules and should be investigated. Please help me get all or some of my money back and penalize this business for harassment and charging fees and interest that are not lawful. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: MO

Complaint narrative:
Company charging me for an amount that I am not responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I have applied for a saving account with Citibank to get XXXX $ bonus. I added XXXX $ once approved. And they told you had to add the fund within a month after applying but it wasnt even approved.

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