vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX, XXXX. 
{$6500.00} Opened XX/XX/XXXX XXXX XXXX - XXXX Last reported XX/XX/XXXX {$1000.00} Highest balance {$1000.00} XXXX XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Highest balance {>= $1,000,000} Open balance XXXX XXXX XXXX XXXX Original creditor Opened XX/XX/XXXX XXXX XXXX yrs, XXXX mos ) Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Last reported XX/XX/XXXX {$6700.00} Reported balance Highest balance {$0.00} Information not available OVERVIEW Highest balance {$0.00} 4 collection accountsTotal balance : {$7200.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1700.00} 0 % paid off XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$170.00} 0 % paid off XXXX XXXX Original creditor : XXXX XXXX  XXXX XXXX XXXX {$5100.00} 0 % paid off XXXX XXXX XXXX Original creditor : XXXX {$52.00} 0 % paid off XXXX XXXX  XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX   XXXX XXXX Bank Credit Cards Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX You have 1 public record Public records concern legal matters associated with you and are gathered from courts and government agencies. 
US BKPT CT FL XXXX XXXX Bankruptcy chapter XXXXdischarged Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I applied for a Barclays credit card on XX/XX/XXXX. They requested I send in additional documents, which I did ( so that Barclays can not fabricate when they receive my documents I have a tracking number - [ USPS TRACKING # - XXXX XXXX XXXX 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 2020-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
i had an international transaction done over XXXX and i purchased XXXX $ worth of goods and the tracking just says labeled created even though i paid for XXXX XXXX and the user has blocked me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
I found false information on my credit report that caused a drop of 29 points on my credit score, that debt belongs to an original creditor by the name : XXXX XXXX, it was placed on my credit report by : ENHANCED RECOVERY CO L Contact XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX this false info has severely damaged my credit report and score during a pandemic, as a XXXX worker and with the limited free time I have, I tried calling them many times but calls go to a mobile voicemail that has not been set up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: MN

Complaint narrative:
I checked my credit report for this first time and I discovered I had someone use my identity to get medical services in the state of Alabama and Texas. I have never in my life been to either state or lived there, went to school etc. I called them and said it was not me they say its nothing they can do because the debt is in my name. How is that possible? I filed a ID Theft Affidavit from the government website. Now they are saying Im still the one who did this but its impossible. I am only XXXX years old I live in Minnesota and Im about to graduate from college. I have no reason to not pay my medical bills because Im still insured under my parents. There are 2 bills with this company Phoenix Financial Services and they are causing me bad credit ratings.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
EQUIFAX HAS NOT FIXED THIS ISSUE. I am requesting EQUIFAX VERIFY PURCHASES with ORIGINAL WRITTEN DOCUMENTATION OF ITEMS ORDERED FROM MY IP ADDRESS SIGNATURE ITEMS WERE DELIVERED INTO MY HANDS WITH ORIGINAL WRITTEN SIGNATURE DELIVERIES ACCEPTED. I AM A DISABLED VICTIM XXXX XXXX XXXX XXXX OF ID THEFT FTC case XXXX. Reported to XXXX XXXX  XX/XX/XXXX XXXX FIVE NEW CARDS ISSUED from XX/XX/XXXX to XX/XX/XXXX. XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX AFTER I REPORTED THE FRAUD. See attatched XXXX  letter dated XX/XX/XXXX. ** These transactions CLEARLY WERE reported timely. See attatched XX/XX/XXXX CRIMINAL INVESTIGATION POSTAL INSPECTION SERVICE USPS DELIVERIES NOT MADE ZIP CODE AREA XXXX. ** XXXX  REFUSES TO PROVIDE ORIGINAL WRITTEN DOCUMENTATION DELIVERIES ACCEPTED ie picked up post office orignal signature PURCHASES WERE MADE BY ME ie WRITTEN ORIGINAL DOCUMENTATION MY IP ADDRESS & DELIVERED INTO MY HANDS WRITTEN SIGNATURE OF RECIEPT. Proof of burden XXXX  needs to CONFIRM I RECIEVED THESE GOODS. THESE ARE UNAUTHORIZED TRANSACTIONS. I SWEAR UNDER OATH TRUTH WHOLE TRUTH NOTHING BUT THE TRUTH. XXXX   COLLECTS ON ID THEFT WHICH IS ILLEGAL. These provided to XXXX XXXX  corp office FRAUD PREVENTION & ONCE REFERRED TO BRANCH OFFICE AFTER A YEAR IN CORP OFFICE ** ( XXXX ) FIVE BANK BRANCH OFFICE XXXX XXXX EMAILS UPON REQUEST CONFIRM 12 PAGES OF DOCUMENTATION RECIEVED ** DISMISSED. WAITING RESPONSE CORP FRAUD PREVENTION. XXXX  CLAIMS ALL COMPLAINTS I SUBMIT TO CFPB ARE DUPLICATES. THIS ONE PROBABLY WILL BE DISMISSED AS DUPLICATE ALSO. NEVER RESOLVED. I DEMAND EQUIFAX VERIFY DELIVERIES ACCEPTED INTO MY HANDS WITH WRITTEN SIGNATURE DOCUMENTATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAC Financial Corp
State: MN

Complaint narrative:
I checked my credit report for this first time and I discovered I had someone use my identity to get medical services in the state of Alabama and Texas. I have never in my life been to either state or lived there, went to school etc. I called them and said it was not me they say its nothing they can do because the debt is in my name. How is that possible? I filed a ID Theft Affidavit from the government website. Now they are saying Im still the one who did this but its impossible. I am only XXXX years old I live in Minnesota and Im about to graduate from college. I have no reason to not pay my medical bills because Im still insured under my parents. This bill is from XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: HUNTINGTON NATIONAL BANK, THE
State: VA

Complaint narrative:
At the end of XXXX or early XX/XX/XXXX Huntington National Bank made the decision to close my checking account. The reason why they made that decision has never been disclosed to me. As part of the account closure process, Huntington had cut off my access to online banking and deactivated my debit cards. Several weeks later I received a letter from Huntington informing me that my account was overdrawn. At some point after my access to my account had been revoked, a transaction posted to my account that resulted in it being overdrawn. That, in turn, resulted in Huntington charging me multiple overdraft fees. I called Huntington to explain that I should not have been charged those fees since I was not aware the account had been overdrawn and had no ability to bring the account back to a positive balance before the charges were imposed since my account access had been cut off. I was told not to worry about the charges since Huntington does not report accounts to XXXX nor refer accounts to collection agencies. Approximately a month later I received another letter from Huntington demanding payment for the overdrawn account that threatened to refer the account to a collection agency if I did not pay. I called Huntington again to try to resolve the issue and was told that the previous customer service representatives I spoke with gave me incorrect information and that I have to pay the balance owed. I have been going back and forth with Huntington about this issue since the beginning of the year with no resolution in sight. I received another letter from Huntington on XX/XX/XXXX that indicated the fees have no reached a total of {$200.00}. That entire amount is fees imposed by Huntington that I should not have been charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: PENNYMAC LOAN SERVICES, LLC.
State: IL

Complaint narrative:
I have a real estate mortgage loan from PENNYMAC LOAN SERVICES, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called PENNYMAC LOAN SERVICES and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and PENNYMAC LOAN SERVICES with no successful resolution. XXXX, XXXX, and XXXX   reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have a real estate mortgage loan from XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion   reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never 30 days late.

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 2020-05-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have a real estate mortgage loan from XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX XXXX  with no successful resolution. XXXX, Equifax, and XXXX   reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have a real estate mortgage loan from XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX   reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never 30 days late.

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 2020-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I sent money via Zelle for a dog which I never received. It was {$550.00} + {$150.00} for shipping. I was told they would refund my money said to wait for weekend. Never sent it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OR

Complaint narrative:
On XX/XX/XXXX I used this company cash app to send money, {$2200.00} in fact, to someone online to purchase items from this website called XXXX. It's like a XXXX. Well after I sent the money the person never sent the good, he blocked my phone number and blocked me from exchanging money on cash app. I emailed cash app every day for help and to ask for a refund for almost a week. They said there is nothing they can do ask him for a refund. I informed them that he blocked me after I sent the money and obviously this was fraud. They informed that if they feel there is a reason to look into it then they will. Which they dont. I strongly feel this company is encouraging scammers to use this. I understand I am probably just out of my money but I don't want this to happen to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: VA

Complaint narrative:
I feel Advance Financial based out of XXXX Tennessee practices predatory lending practices.The rates they charge to consumers I feel in some states .I am in the state of Virginia making their borrowers impossible to repay back the loan.The company wont even allow you to pay back what you owe.Example loan taken out for XXXX.Balance should be about XXXX if you account normal lending practices for rates.They tell you your payoff is XXXXAlso They take out unauthorized ACHs out of your account for any amount with out providing dates or amounts to the consumer after being told that they would not take out any ACH payments.Not notifying their clients by any type of letter.Causing extra fees.This finacial institution falsely advertised fixed payments however in turn makes the interest rate so high if your a day late to make it impossible to pay back the loan even if you wanted to pay back what you owe.They prey  into people who are in informed with lending practices and fall on hard times and peoples desperation.They need to be monitored as to what they are charging people and unauthorized debits.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
On the XXXX of XX/XX/2019, I fell victim to a fraudulent XXXX / XXXX company named XXXX  XXXX. Money was transferred from my account to the Company via wire for a total amount of XXXX XXXX, XXXX EUR utilizing XXXX XXXX  services. As you can see, XXXX XXXX response was to TOTALLY IGNORE their responsibility. 
It is obvious XXXX  XXXX is an ACCOMPLICE to the crime and a person assisting a thief is a THIEF THEMSELVES!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: NY

Complaint narrative:
Due to Covid my student loans have a {$0.00} balance due and 0 % interest rate. I have never missed a payment and have paid the full balance every month. Despite this, MyFedLoan is now reporting a " past due balance '' every month of {$0.00} instead of " paid as agreed ''. 

This is causing my credit score to plummet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-07 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: Nelnet, Inc.
State: MA

Complaint narrative:
I can't believe what I saw on my credit report.. It says late 120 days on my PAYMENT Status. Very inaccurate because there are no lates on my payment history. 

DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2020-05-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX credit card is not my account. I'm an authorized user and I'm not responsible for the bills

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 2020-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX credit card is not my account. I'm an authorized user and I'm not responsible for the bills

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 2020-05-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX credit card is not my account. I'm an authorized user and I'm not responsible for the bills

Company response to consumer: Closed with explanation