vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
A total of {$1900.00} was billed to our current home address by a System, a debt collection agency working with XXXX. This has been happening for two months now, even though the debt is not mine. I have called in reporting the incident and have contacted by local police department.

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 — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: NC

Complaint narrative:
IC System called me and I requested that they verify the debt and send verification information. They have sent no verification per FCRA. 
I also advised them that the account was likely not mine as it was my ex-spouses account that I would not have been responsible for and had transferred my service to a new service provider. 
I have disputed this account with the credit bureaus, but this company continues to report it knowing it is inaccurate all while never providing verification of the debt.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent two letters each to Equifax and XXXX to correct and remove misspellings of my name and incorrect names reported. Ive attached my letters as well as the credit report showing what is incorrect. I have sent letters in XX/XX/2021 and XX/XX/2021, and have yet to receive any notification of an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXXXXXX XXXX  XXXX XXXX and I do not have a contract with ALDOUS plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX and I do not have a contract with ERC plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$590.00}

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Through XXXX, I received a FCRA Disclosure from Transunion which contains significant, incorrect information causing my insurance rates to increase 15 %. There is likely other adverse results of this incorrect reporting that I have not discovered yet. I tried calling Transunion as indicated on the notice but they provide no help whatsoever. I did have a bankruptcy which was discharged in XX/XX/2020 and having worked in the XXXX XXXX industry for 30+ years I am more familiar with credit issues than most and take responsibility for my issues. 

Transunion is reporting to XXXX the following which is incorrect and resulting in higher rates : -Credit history is too short. This is impossible as I have had credit in some form or another for approximately 30 years and had a credit score of roughly XXXX going into my bankruptcy. I filed for BK for preventative reasons not for bad credit reasons. 
-Too many accounts that are 30+ days delinquent. Since my unsecured debts was discharged in the BK process, I have no past due accounts, period. 
-Excessive number of bank revolving accounts. I have one credit card, how this would be determined excessive is beyond my understanding. 

I am trying to responsibly restore my credit rating and it irritates me that Transunion is causing me financial harm by reporting incorrect information and I need some assistance.

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: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Amscot Corporation
State: FL

Complaint narrative:
They took XXXXfrom me blindly now vv come to find out they are still reporting me over XXXX bucks and wont work with me And theyre keeping me from getting along

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I have an account in paypal. A friend deposited {$220.00} more than 6 months ago and paypal does not allow me to use that money if I don't give them my phone number. When I try to enter my phone number in the system, it does not take it. 
They have an option to send you the money by check. When I click on it, it sends me to a link that force me to open a paypal cash plus account.

I called them several times, last time they promised to send me the money by check and I am still waiting. It has been already more than 6 months and I am still waiting.

1st is an abusive monopoly. They charge large fees for everything thing.

2nd You are not obligated to provide your phone, if you don't have one. How do you do?

3rd they can not force you to get enrolled in paypal cash plus account 4th they can not hold you money for more than 6 months 5th they SHOULD have a functional working option to send your money by check not a disguise link that takes you to enrollment in paypal cash plus account

Company response to consumer: Closed with non-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 — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

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: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

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: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc.
State: TN

Complaint narrative:
I am a victim of identity theft. I received a copy of my credit report and found a collection account opened in my name that does not belong to me. The collection account is I C Systems and the original creditor is XXXX XXXX XXXX. I have never had any accounts with XXXX or authorized any accounts to be opened in my name. This account is a result of fraud. I have previously submitted a copy of the police report and the FTC report to the CFPB and to all three of the major credit bureaus.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am a victim of identity theft. I received a copy of my credit report and found a collection account opened in my name that does not belong to me. The collection account is XXXX XXXX XXXX and the original creditor is XXXX XXXX XXXX. I have never had any accounts with XXXX or authorized any accounts to be opened in my name. This account is a result of fraud. I have previously submitted a copy of the police report and the FTC report to the CFPB and to all three of the major credit bureaus.

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: TN

Complaint narrative:
I am a victim of identity theft. I received a copy of my credit report and found a collection account opened in my name that does not belong to me. The collection account is XXXX XXXX XXXX and the original creditor is XXXX XXXX XXXX. I have never had any accounts with XXXX  or authorized any accounts to be opened in my name. This account is a result of fraud. I have previously submitted a copy of the police report and the FTC report to the CFPB and to all three of the major credit bureaus.

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: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
The issue is between my business account XXXX XXXX XXXX and Wells Fargo Bank. This is the second time this incident happened, with the first time affecting my personal checking account. After doing research I found out that both accounts were and currently being charged for overdraft fees without being notified. Both accounts are set up for notifications of when the account drops below {$0.00}. These notifications comes 24 hours after the fees are taken. This is a system issue and I had to escalate last month for the same issue, that resulted in a {$170.00} refund. I have emails and a pattern to show that the actual charge that is overdraft never post on the account, but only the overdraft fees.

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 monetary relief
Consumer complaint received 2021-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Avant Holding Company, Inc.
State: NY

Complaint narrative:
Avant Credit Cards are a scam They pretend they are sending a card. I never receive the card.After 10 days call them back, they say we will send you another, they never did. I called, emailed, kept telling them they did not send it. They ignored me, and ignored me. I never received the card, it is a non-activated card. They went ahead, and put their annual fee of {$39.00} as a balance owed..on a never received card, never activated. This is unethical. I said I want the account closed ASAP. They replied not until you agree to pay the balance ( {$39.00} fee ) to XXXX balance. I told them I never received the card, you can not charge the annual fee. The scam is never send a card, ignore complaints that never received, so they can charge {$39.00} fee, then insist you must pay it or can not close the account. There are many many complaints on XXXX about other people never getting their cards and told they can't close the account until you pay the {$39.00}. Many complaints just like mine. This is frightening how Avant is allowed to rip off people even with credit score of only XXXX. They generate fake card numbers ... yes they do. That is how they generate the {$39.00} annual fee to make you pay it.Then if we do not pay for a fee on a card never received, they pile up late fees. Its a scam to get XXXX 's of customers to pay them a {$39.00} fee on a card never received, make me and others out to be XXXX. Then hung up on me several times telling them I never received card. Then they send me an email to pay them their annual fee {$39.00}, or late charges will be added.

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: Getting a credit card — Application denied
Company: DISCOVER BANK
State: UT

Complaint narrative:
I applied for a Discover it card. The card is prepaid. I was going to use it to help repair my credit. During the application process I had to give them my banking information and deposit {$200.00} in order to get my card. Discover took my money and about 10 days later started to act hostile. They sent me an email in which they wanted me to fill out tax papers suppose for identification. Bare in mind Discover has already taken my {$200.00} and accessed my bank account. So to turn around now and tell me that they don't know who I am doesn't pass the smell test. 

1. They have my banking information 2. They had my SSN 3. They had my money ( prepaid credit card ) If anything I'm the one taking the risk. Then to top it off when my card arrives and I go to activate my card they want to restrict my card. I paid them {$200.00} of my hard earned money and they are telling me that if I use my card they will deny any thing I buy. 

I suspected it was because I am XXXX American and I told them to refund my money. Not sure that they will. Pretty sure what was suppose to happen was that they were suppose to just activate the card and wish me a good day. 

If they were going to reject me then don't take my money from the beginning. They already had all of my personal information. 

XXXX people have a hard enough time getting credit. But to be treated like a third class citizen ... it's a prepaid card ... my money! 

I think I was discriminated against. Card activation is suppose to be a simply process. 

XXXX XXXX XXXX Card number : XXXX Please help me. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX is trying to collect a debt from collection company for the same amount each.. XXXX the amount of {$550.00}

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
I cashapp a famous rapper after chatting wit him via XXXX on his. verified account so I know it was real. I sent him XXXX for a feature that he failed to complete. I asked him for the money back multiple times and he denied it. I went though cashapp and notified them that I never received my service that I payed for and all they could do was tell me to request a refund. I did and the seller denied it. then they told me to call my bank to dispute the charge which I did and my bank told me to contact cash app. I still never recieved my money back nor did I receive my service.

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: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
To whom it may concern, Pursuant to 15 U.S. Code 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 U.S. Code 1681 is the same as it is under 15 U.S. Code 1602 ( l ) which is the term credit card means any card, plate, coupon book or other device existing for the purpose of obtaining money, property, labor or services on credit. Notice, Congress said Any card. The credit card is my Social Security card.This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 U.S. Code 1681a ( 2 ) ( B ). I am demanding that you remove this Transaction from my Consumer report immediately as it is a violation of my rights as a federal Protected consumer under the title 15 chapter 41. 

Capital one bank usa

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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My personal information was exposed in several data breaches, bank & credit was compromised, resulting in accounts being closed. All documents were sent via certified mail to the credit bureaus to request items be deleted from credit reports. As of yet, I have not received a response from documents dated XX/XX/2021.

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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My personal information was exposed in several data breaches, bank & credit was compromised, resulting in accounts being closed. All documents were sent via certified mail to the credit bureaus to request items be deleted from credit reports. As of yet, I have not received a response from documents dated XX/XX/2021.

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: 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: PA

Complaint narrative:
I recently found that there are several unauthorized items on my credit report that dont belong to me. I do not have a record of doing business with these companies. Kindly delete these items off my credit report immediately. Further action might involve a consumers rights attorney and a lawsuit. Please remove these accounts as you know they are in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation