vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-13 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: CA

Complaint narrative:
I received notification from PayPal regarding a transaction in the amount of {$120.00} against my account at approximately XXXX on XX/XX/2019. I did not make this purchase. Further investigation showed that someone made this transaction and also set their device as the primary server. I attempted to contact PayPal and was given the runaround, the links provided to register a complaint and yielded no result. I also attempted to contact XXXX to get a refund and was given the same runaround. Finally, since ALL other means of contacting them failed, I called their customer support team and requested a refund. They said that my request would be under review and that, if approved, they would only refund the money to my XXXX accountnot my bank, but my XXXX account, as gaming credit. I didnt make These purchases, I didnt even download the games that were purchased. This was a theft and the fact that they make it so difficult to even contact them about it or have what was stolen returned to its original state is a furtherance of the crime that enables these incidents to continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX  I wrote a check for XXXX for my car loan.    The monthly  payment is $XXXX.   I wrote on the check to apply $XXXX to principal.   (I have sent in checks before to add extra to principal and have not had any problems).   On XX/XX/XXXX  The check was cashed for $XXXX.On XX/XX/XXXX   I was at the bank checking about other transactions and realized there was more in my account than I thought should be there.   Later that night something woke me and I started thinking about my statement.    I was looking it over and discovered the above mentioned error.      I called the automated loan number to verify the transaction and if it had been corrected.  It had not.    I also contacted my bank that night and let them know about the error.On XX/XX/XXXX   I called the bank that I have the loan with regarding the mistake.    The person I talked with told me to fax a copy of the check to that bank.     I called the personal banker that I usually do business with at my bank  and told her what was going on.   She faxed the copy of the check over to the other bank.Since then I have been checking my loan balance everyday.  The only change is interest accruing (More than half shouldn't be).On XX/XX/XXXX   I called the bank again to see what the status was on fixing their error.   They told me it would take 5-7 business days. I was still concerned about this so I made the first available appointment for XX/XX/XXXX.   On the night of XX/XX/XXXX, I checked my balance at my bank and $XXXX was taken out of my account on XX/XX/XXXX.    I checked my loan balance and it had not been applied to the loan.XX/XX/XXXX  With the assistance of the personal banker that I usually helps me,  I contacted the bank with the loan again and spoke with a customer representative. I was told that it was being processed.    My banker and I were not comfortable with the situation;   why was the money withdrawn from my account on XX/XX/XXXX and still not applied to loan as of today XX/XX/XXXX.    My banker then called another department within my bank and found out that the $XXXX was transferred to the other bank for the loan based on my phone call on XX/XX/XXXX as I said it before it still hasn't been applied yet.I was also wondering how they could cash a check that I mailed out on XX/XX/XXXX  by XX/XX/XXXX and it's taking them so long to correct this error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-13 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: FL

Complaint narrative:
EQUIFAX HAS CREDIT INQUIRIES ON MY FILES THAT ARE NOT MY AND I DID NOT AUTHERIZE : XXXX XXXX XXXX XXXX XXXX | NOT MINE EQUIFAX XXXX XXXX EQUIFAX XXXX XXXX | NOT MINE XXXX XXXX, XXXX XXXX XXXX, XXXX | NOT MINE XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX | NOT MINE XXXX XXXX | NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I sent money to a seller for a wallet XXXX $ on XX/XX/2019. I was scammed no further connection with the seller, requested my money back from seller it was declined and never heard from since. I sent it through XXXX which I use through Wells Fargo. I contacted Wells fargo on XX/XX/2019 they gave me the run around and told me it is XXXX problem. I than contacted XXXX on XX/XX/2019 and they cancelled the sellers account but can not refund me my money due to it's the banks job as they just process the transaction and do not take it from are bank accounts.

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 2019-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rushmore Service Center, LLC
State: GA

Complaint narrative:
XXXX Rushmore service center no caller Id XXXX XXXX XXXX XXXX XXXX XXXX North Dakota XXXX XXXX Did not have consent to call cell phone *as follows with TCPA laws and regulations. 
He stated that he will not argue with me, when I wasnt arguing with him he was very rude, but the way that wasnt his first time calling my CELL PHONE from a business with PRIVATE CALLED. He asked to speak with me but before he knew it was me he just gave me debt information and I asked him why is he calling from a private number and he stated he have no control over the phone number and I asked one more time why not from the company phone. 
Did not verify information went right into the mini miranda and asked when can I pay in full of {$500.00} from XXXX XXXX credit card. I asked him if I can speak with a manager, he placed me on hold for 2 seconds and stated no manager was available. I mentioned I will be contacting my lawyer. 
I also mentioned the second day he called private to NOT CALL MY PHONE he said okay and hung up and called me again next day less than 12 hours away. 
Not to say the debt isnt mines but he violated my privacy. 
The dates for the unknown calls are 2 calls on XX/XX/2019 ( NO CALLER ID ) @ XXXX & missed call at XXXX 1 call XX/XX/2019 ( NO CALLER ID ) @ XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: FL

Complaint narrative:
XXXX HAS CREDIT INQUIRIES ON MY FILES THAT ARE NOT MY AND I DID NOT AUTHERIZE : INQUIRIES XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX XXXX XXXXXXXX | NOT MINE XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX NOT MINE XXXX  XXXX | NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX | NOT MINE XXXX XXXX | NOT MINE

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 2019-08-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX HAS CREDIT INQUIRIES ON MY FILES THAT ARE NOT MY AND I DID NOT AUTHERIZE : XXXX XXXX XXXX XXXX  XXXX | NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX, XXXX XXXX  XXXX, XXXX | NOT MINE XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX  XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX XXXX  XXXX XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX | NOT MINE XXXX XXXX | NOT MINE

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 2019-08-13 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: FL

Complaint narrative:
TRANSUNION HAS AN ACCOUNT ON MY CREDIT FILE THAT IS NOT MINE. 

XXXX XXXX XXXX NOT MINE XXXX-NOT MINE XXXX XXXX XXXX-NOT MINE

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 2019-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me. I was never late!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX HAS AN ACCOUNT ON MY CREDIT FILE THAT IS NOT MINE. 

XXXX XXXX XXXX NOT MINE XXXX-NOT MINE XXXX XXXX XXXX-NOT MINE

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 2019-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: FL

Complaint narrative:
AMERICOLLECT HAS A ACCOUNT ON MY CREDIT FILE THAT IS NOT MINE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CO

Complaint narrative:
MY LONECARE, LLC This company has failed to assign money we sent for escrow and has charged us two months at the incorrect price. 
We've called both months and we were told the 1st month that escrow would be applied and our payment would be {$1500.00}. 
Then we called last month and we asked for the escrow amount, which was sent with the coupon sent we received from the company the mail, to be refunded to us because that extra amount was fraudulently charged sinxe the departments didn't enter our money properly. 
We have since spoken to 3 people, 1 manager, 1 case elevations person- still the money is in our principle account and not the escrow we allotted it to. 
The company says we now have a deficit and we owe. On top of the incorrect amount being taken 2 months and about to be a 3rd. 
{$180.00} was supposed to be refunded to us- we emailed a dep to treatment and got a code for the refund to go to come to us in a check. 
We called and they've again told us they have no money in the escrow and thereby have no money to return to us. 
We did not give permission for the {$1600.00} to be charged in the month of XXXX and XXXX. We gave permission as of XX/XX/XXXX {$1500.00} to be auto-drafted for our new monthly principle. 
With our escrow paid in full- as we sent a check and have a copy of the memo line alotting it for escrow ONLY.

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 2019-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
ENHANCED RECOVERY COMPANANY HAS A COLLECTIONS ON MY CREDIT THAT IS NOT MINE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have an item by the name of " XXXX XXXX '' on my credit report. I have no such credit card. The item indicates I have an outstanding balance upwards of {$2000.00}. Furthermore, over the months I have been monitoring it on my credit report I have noticed the balance decreasing, which indicates SOMEONE is making payments - it is not me. 

I have one credit card in my name, it is under my XXXX XXXX XXXX XXXX XXXX. I have no idea what this card is, and it is negatively affecting my credit standing. I need it removed, I believe this is either fraud or identity theft.

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 2019-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: MO

Complaint narrative:
On XX/XX/XXXX I received a text saying my Netspend debit card was used at an ATM and withdrew {$43.00}. I immediately called the bank because i had my debit card in my possession. By the time i got to the prompt to stop my debit card, the thief had took 9 {$43.00} transactions at a XXXX XXXX ATM machine in a XXXX XXXX. I had the customer service rep to stop the card and mail a new one. On XX/XX/XXXX i went to file a police report with the XXXX Police Dept with Officer XXXX and my police report number is XXXX. My claim number at Netspend is # XXXX. I was told by Netspend i could get a provisional credit of {$400.00} but i had to send them dispute paperwork which i emailed to them on XX/XX/XXXX. I did everything i was suppose to do and Netspend had until XX/XX/19 to give me the provisional credit and they emailed me on XX/XX/19 saying they will not be giving me any credit. Im so so upset because i have been with this company for over 6 years, i have my direct deposit going to this debit card but they are treating me like the thief instead of the victim. I provided everything that they asked me for and yet in still they are treating me as though i did this myself. Their exact reason that they have on a message on their site for my account is the pin for the card was not changed prior to the period for unauthorized usage and no declines for insufficient funds so the person making the transactions had inside knowledge of the account balance. This is crazy because they did 9 {$43.00} transactions and by the time i was able to get through the prompts on Netspend customer service line to stop this debit card, i only had {$100.00} and something dollars left in my account. I'm so upset because i need my {$400.00} and i'm upset because i have been with this company Netspend for years and this is how they treat their loyal customers.

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 2019-08-13 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: CA

Complaint narrative:
Transunion are reporting this erroneous account on my credit report that does not belong to me and i have been disputing for several months now but they keep responding by saying it's verified but not sending me any type of proof.

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 2019-08-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Comerica
State: TX

Complaint narrative:
On XX/XX/2019 I went through the drive threw at the Comerica banking center location at XXXX XXXX XXXX XXXX Texas to pay a overdraft amount of XXXX dollars, the lobby was closed so I went to the drive threw the teller declined to take my payment said I have to come inside the lobby to complete the transaction the branch manager is XXXX XXXX ( XXXX ) XXXX, so I was instructed to wait until the next business day so I did.the following day I went to the Comerica banking center location XXXX XXXX in XXXX XXXX texas XXXX XXXX is a personal banker at this location she took my payment of XXXX dollars and my account had a XXXX balance I kept getting overdraft fees because Ms XXXX did not comply with company protocol to XXXX debit my account out which left with XXXX dollars of overdraft fees I told that I bank with XXXX now and that effective XX/XX/2019 that no more deposits will be in this account effective XX/XX/2019 .I spoke with call center rep his name was XXXX did not give last name or all of the overdraft items.i spoke today XX/XX/2019 with XXXX XXXX at the XXXX XXXX location she told me that Ms XXXX was supposed to do a debit close out she did not close my account which it stayed active for an additional 60 days after it was supposed to be closed it was finally closed XX/XX/2019 they are going to report me to the credit for overdraft fees they the wanted me, this banking has some deceptive and toxic banking practices I would like a full of this matter and I would like this matter to be considered for arbitration Mrs XXXX XXXX is responsible for this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Due to a hardship I fell behind on my mortgage payments and had to pay some of my payments late. Fortunately, I was able to bring them back to current status. But these late payments are still reporting on my credit report and affecting my credit score. I am asking for these late marks to be removed. This would help me tremendously in building credit worthiness. I have since set up my payments on auto draft and saved a few extra payments in case I fall on unexpected hard times in the future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: BTH Management
State: CA

Complaint narrative:
XXXX are reporting this erroneous account on my credit report that does not belong to me and i have been disputing for several months now but they keep responding by saying it's verified but not sending me any type of proof.

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 2019-08-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX is reporting incorrectly to Equifax and XXXX a collection in the amount of {$1600.00} on the XXXX XXXX partial account number XXXX. ( Please see pages 10 and 11 of the attached credit report. ) This account has not been updated by the ( 2 ) bureaus to report accurately the current payment information and because this information has not been updated, this account has now been sent to collections and never should have been. This account information needs to be updated. This incorrect reporting is harming my credit score. I have contacted the ( 2 ) bureaus to fix this, however I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-13 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: TX

Complaint narrative:
XXXX XXXX is reporting incorrectly to XXXX and Transunion a collection in the amount of {$1600.00} on the XXXX XXXX partial account number ****XXXX. ( Please see pages 10 and 11 of the attached credit report. ) This account has not been updated by the ( 2 ) bureaus to report accurately the current payment information and because this information has not been updated, this account has now been sent to collections and never should have been. This account information needs to be updated. This incorrect reporting is harming my credit score. I have contacted the ( 2 ) bureaus to fix this, however I have not been successful.

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