vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was looking at my credit for the first first time in 5 years and I found fraudulent accounts on my credit report. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.Q. DATA INTERNATIONAL, INC.
State: NV

Complaint narrative:
IQ Data International contacted me about a debt via mail. I sent them a debt validation letter which I have proof they received on XX/XX/2019 and was signed for by XXXX XXXX. They have yet to validate the debt, but have contacted me by phone numerous times since they received the letter in an attempt to collect the debt. They contacted me at times including : ( All times in Pacific Time XXXX : Tuesday, XX/XX/2019 XXXXXXXX XXXX, Wednesday, XX/XX/2019 XXXX XXXX, XXXX XXXX, XXXX XXXX, Thursday, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. In one of the message the caller identifies themselves as XXXX XXXX. The collector has not validated the debt yet has made numerous attempts to contact me to collect the debt which is violation of the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: AL

Complaint narrative:
I'm quite informed on the legal proceedings in regards to preventing judgements from being entered ( in terms of submitting an answer/requesting a trial date and such ), so I never let me summons/trial notices go ignored ( learned the hard way with a 12 year judgement that took months of research and years finally getting removed without having to satisfy payment ), but was recently issued from small claims a Default Judgment against me, granted to the Plaintiff, XXXX XXXX XXXX, XXXX. I'm quite familiar with the array of debt collecting companies, and I, nor my husband, said that I was served for this said judgement, or I would have answered to it like I normally do, by sending certified answers to both the Plaintiff and the Court. I have no idea how this was granted without my knowledge at all that it was happening. I did access XXXX 's site and logged in, it then said that it can not display my account info at this time and to call Rausch, Sturm, Israel, Enerson. I'm assuming said debt has been sold again? How is a  judgement without my knowledge of any of this occurring? The stranger thing is that I DID receive a summons 10 days prior to this judgment being granted, with XXXX XXXX, XXXX, suing me as well. I did send a certified answer to that case number, and received my trial date for XXXX, but I am very confused on how this is possible, if it is, what steps I should take if I swear I was not notified via mail, and if I was, how far back can that summons/serving to the defendant be substantiated for? I was under the impression that there is always 14 days to answer. My only thought is that I possibly may have been served in a previous year, but don't see how that could be possible if the judgement was just granted, since court dates are typically within the next 1-2 months ( that I've experienced, and I've gone to several of these trials ). I'm located in Alabama and would love your input/advice. Should I pay to seek court documents? I do not want to have to pay several hundred dollars to appeal in Circuit Court for a {$1100.00} judgment, but I do not think this judgement is fair. Not sure if I should contact FDCPA or what my next step should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
Paypal Refuse to give me Refund i used my XX/XX/XXXX credit card : ================================= service@paypal.com <service@paypal.com> To : Me XX/XX/XXXX at XXXX XX/XX/XXXX Hello Me XXXX XXXX has posted a new message regarding this case. 

View the message and respond Deadline to respond : XX/XX/2019 You or XXXX XXXX can escalate this problem to a PayPal claim before XX/XX/2019. On that date, this case will automatically close. Once a case has been closed, it can not be reopened or escalated to a PayPal claim. We encourage you to respond to your seller as soon as possible. 
Transaction Details Case number : XXXX Seller 's name : XXXX XXXX Transaction date : XX/XX/2019 Transaction amount : {$20.00} USD Your transaction ID : XXXX Sincerely, PayPal Help Center | Resolution Center | Security Center Please don't reply to this email. To get in touch with us, click Help & Contact. 

Copyright 1999-2019 PayPal, Inc. All rights reserved. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
PayPal XXXX : XXXX Scam the owner promise me 10 sign -ups for {$20.00} on my website.He sends False Traffic hits to my website.I didnot ask for Traffic only 10 Gaurantees sign-ups i dont have one from this seller.I want Refund Now. 
Order # XXXX l 10 Paypal : Transaction : # XXXX XXXX XXXX : Url : https : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - https : //XX/XX/XXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Finance Company, LLC
State: NJ

Complaint narrative:
XXXX XXXX XX/XX/XXXX. O was in an abusive relationship that resulted in all of my possessions being stole and there is a report at XXXX  a police Department in New Jersey as proof. And later being placed as identity theft and legal action were taken place leading to a restraining order on the one accused. Still to this day, marking XX/XX/XXXX, XXXX XXXX ( {$190.00} ), CONTINENTAL FINANCE ( {$700.00} ), XXXX ( {$200.00} ), are sending debt collectors and fails claims that I applied for something new. Please help me make it stop and remove it from 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 2019-10-11 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach 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 2019-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
Credit Collection Services ( hereinafter CCS ), has designed, compiled, and furnished negative information about me to one or more consumer reporting agencies. CCS lacks a bonafide and meaningful relationship with me, meaning CCS is NOT a party to any consumer credit transactions Ive executed, therefore, any and all information furnished by CCS to any of the consumer reporting agencies should be regarded as hearsay. Furthermore, CCS failed to provide me with prior and/or post written notification of its intent to furnish negative information about me. On top of that, CCS failed to send me, or mail me an initial communication apprising me of my right to dispute and/or request verification/validation of the alleged debt. Notice of the debt/negative information and that CCS is reporting it is of particular importance to me, the deprivation of which has caused my character, reputation, and credit to be unjustly damaged. Despite not having received such notification from CCS, I was able to mail them a notice of dispute more than 30 days ago, and requested that CCS provide me with verification/validation of the alleged debt in the form of substantively admissible evidence, including but not limited to properly authenticated original account and loan level documentation. My notice of dispute and request for verification/validation remains unanswered, and has not been returned to me as undeliverable. In the event that CCS responds to this complaint countering that it did mail, or send me written notification of any kind, and that it was not returned to them as undeliverable, I would like this record to reflect that I completely and unambiguously reject any such future statements and respectfully request that CCS provide me with the name or names of the person or persons who possess personal knowledge of those facts, as well as proof of service/proof of mailing. Im not playing games with you people. Your unfounded assertions, and erroneous reporting have caused me significant injury and Ive had enough.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XX/XX/2019 I was looking at my credit score and noticed there was a hard inquiry that I never applied for. XXXX XXXX XXXX  XXXX says I tried to apply with them on XX/XX/2019. I tried to call the company which they had told me I need to speak to equifax in order to get it removed as I did not authorize it or apply for anything with this company. I have provided a picture so you can see this Inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am looking at my credit report and notice on XX/XX/2019 from I am being hit with a hard Inquiry from XXXX XXXX. However I didn't authorize anything with XXXX XXXX. Unsure how this happened but this was fraud, someone trying to use my identity. This is appearing on my equifax and XXXX but it is inaccurate. I am looking for this misunderstanding to be removed from equifax, XXXX and any other credit agency showing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 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 have sent Equifax everything they ask me to send them to show that I was a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am looking at my credit report and notice on XX/XX/2019 from I am being hit with a hard Inquiry from XXXX XXXX. However I didn't authorize anything with XXXX XXXX. Unsure how this happened but this was fraud, someone trying to use my identity. This is appearing on my XXXX  and transunion but it is inaccurate. I am looking for this misunderstanding to be removed from XXXX, transunion and any other credit agency showing this.

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 2019-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: NJ

Complaint narrative:
Radius Global Solutions ( hereinafter RGS ), has designed, compiled, and furnished negative information about me to one or more consumer reporting agencies. RGS lacks a bonafide and meaningful relationship with me, meaning RGS is NOT a party to any consumer credit transactions Ive executed, therefore, any and all information furnished by RGS to any of the consumer reporting agencies should be regarded as hearsay. Furthermore, RGS failed to provide me with prior and/or post written notification of its intent to furnish negative information about me. On top of that, RGS failed to send me, or mail me an initial communication apprising me of my right to dispute and/or request verification/validation of the alleged debt. Notice of the debt/negative information and that RGS is reporting it is of particular importance to me, the deprivation of which has caused my character, reputation, and credit to be unjustly damaged. Despite not having received such notification from RGS, I was able to mail them a notice of dispute more than 30 days ago, and requested that RGS provide me with verification/validation of the alleged debt in the form of substantively admissible evidence, including but not limited to properly authenticated original account and loan level documentation. My notice of dispute and request for verification/validation remains unanswered, and has not been returned to me as undeliverable. In the event that RGS responds to this complaint countering that it did mail/send me written notification of any kind, and that it was not returned to them as undeliverable, I would like this record to reflect that I completely and unambiguously reject any such future statements and respectfully request that RGS provide me with the name or names of the person or persons who possess personal knowledge of those facts as well as proof of service/proof of mailing. Im not playing games with you people. Your unfounded assertions, and erroneous reporting have caused me significant injury and Ive had enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: WA

Complaint narrative:
On XX/XX/XXXX I called Fedloan my servicer to discuss my pending application for renewal. The letter stated it was pending. When I spoke to the lady at customer service she stated it was approved and gave me my new payment amount. She did not state that my deferment was over although I had asked for a 2 month one and she said I was approved. I then removed access to my bank account so they could not take out the auto payment just to be safe. They still did on the 9th without my authorization. This is an illegal access to my bank account and misinformation given to me. No solution

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I initiated an international wire transfer with Navy Federal Credit Union on XX/XX/2019. To this day, the recipient has not received the funds. The last notification I received was via email stating my transfer was successfully sent to the Federal Reserve. 

I called Navy Federal Credit Union and they say they cant help me, but only try to get ahold the Federal Reserve, which I am sure they did not. They told me this is out of their hands and that if I get no response from them, that means my funds are lost. 

First of all, what kind of bank says this to their customer??? 

Second, I was charged a high exchange rate and paid {$25.00} for this transaction so they are fully obligated to cough up the money if this gets lost, since I did everything on my part correctly. 

The three American entities involved are Navy Federal Credit Union, the Federal Reserve, and XXXX XXXX ( which is the bank that Navy Federal uses for currency exchange ). 

This will turn into a lawsuit against all three companies if this is not fixed, very soon. I need to know where the wire is, if thats not possible, for some reason, even with the secure technology the banks use, one institution will need to cough up the money and place it back in my account WITH NO FEES OR DEDUCTIONS. 

This payment was made to pay my rent, but of course, the banks mess it up and they dont even care. This is why I am asking you, the government, to step in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 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: CITIBANK, N.A.
State: NY

Complaint narrative:
A two page cover letter to the CFPB explaining what happened along with the 20 page letter to the credit card issuer 's credit bureau disputes department and two credit bureau reports faxed on Monday, XX/XX/XXXX will be uploaded to this account. The credit card company has not acknowledged receipt yet. Four follow-up phone calls to the company failed to reach the credit bureau disputes department.

At the risk of being redundant, an item costing {$1300.00} ( with expedited delivery ) purchased from a merchant was never delivered to me. After several attempts at resolving the matter with the merchant in good faith, the merchant failed to track down the location of the missing delivery. I reported the missing delivery to the credit card company and their disputes department met great resistance from the merchant. I believe that the credit card company worked hard on my behalf.

During this seven month struggle, a conditional credit was granted me in the first two billing cycles but the charge reappeared in the third billing cycle. I protested, the Disputes Department reissued the conditional credit before the cycle completed, but the billing department kept the charge on my account. In the interim, it was my understanding that I was absolved from having to pay for something I did not receive. 

To make a long story short, the disputes department settled the matter in my favor but the billing department reported me to the three credit bureaus for being 30 days delinquent. This inflicted great harm to my credit. I was downgraded two levels from having an excellent credit rating -- the credit card company decreased my credit card limit from {$16000.00} to {$1000.00} and removed the {$5000.00} advance cash credit limit. The severity of these penalties prohibits me from purchasing a replacement for the item that wasn't delivered to me. 

Furthermore, with the lower credit level, I can not take out a personal loan until this matter is cleared up because the interest on the loan is predicated on my credit score. And, the time it is taking me to get all these issues cleared up is a secondary harm because I am now incurring late fees for not having the loan ( not to mention the time I should be devoting to other pressing issues ).

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 2019-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: GREAT LAKES
State: AZ

Complaint narrative:
XXXX XXXXfor the amount of XXXX I volunteer to have the car return I was notified by representative at XXXX XXXX that they no longer have the car anymore they recycle the car as in they resold the car so I am not responsible for that debt but yet it is still on my credit report I tried reaching out to XXXX XXXX to discuss I left voice mail and and sent email no reply. Need to be removed. Also I only attended one school and that was XXXX XXXX XXXX XXXX is stating that I attended another school for XXXX University I never attended any Universities only community colleges. And XXXX College I never took out any loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
PLEASE, CFPB, PLEASE!!! ASAP!! FOLLOW UP ON COMPLAINT # XXXX FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MI XXXX # XXXX We are in dire need of those funds that BANK OF AMERICA will not return to us. Why is Bank of America keeping our money??? Because of a " hold harmless '' agreement that we know nothing about? It is Bank of America 's fault that they did NOT do their DUE DILIGENCE when this criminal opened a fraudulent account. When we called them at the end of XXXX, 2019, the funds were still in the account at Bank of America. What gives them the right to keep our funds?? OUR HOME IS IN FORECLOSURE AT XXXX XXXX XXXX, in Michigan. We need our funds to save our home!!! 

CFPB : The Bank of America Regulatory and Compliance office has called us. 
Keep putting the pressure on because we need those funds back asap!!! 
Tell them they can just send us a check! Or we will file a lawsuit! 
Thank you so much for all you do!

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