vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
Near the end of XX/XX/XXXX, my credit card information was stolen and I had numerous unauthorized charges on my credit card. 

{$470.00} Extended Stay # XXXX in XXXX, XXXX on XX/XX/XXXX {$130.00} Shipt* Order on XX/XX/XXXX {$25.00} Starbucks in XXXX   XX/XX/XXXX XXXX {$60.00} XXXX XXXX XXXX   XX/XX/XXXX XXXX {$180.00} Paypal XXXX XXXX XX/XX/XXXX XXXX {$58.00} YPS* XXXX XXXX   XX/XX/XXXX XXXX {$610.00} Financial Stepping Stone XX/XX/XXXX I live north of XXXXXXXX XXXX, and my credit card was still in possession at the time. I don't use the credit card everyday, and was not aware of all of these unauthorized charges until XXXX days later, when XXXX finally alerted me to possible fraud activity on my account. I checked, and then immediately called XXXX to notify them that the charges were unauthorized. They shut the credit card down, conducted their investigation, and determined I was not liable for these unauthorized charges. 

However, what I was not aware of was that my credit card had been used to also open a Paypal account under my nickname ( not my legal name ). I found out 3 months later when I received a bill for {$25.00} from XXXX XXXX, a collections agency for Paypal. I was confused, so I called Paypal and that's when I found out that there was a second account that had been opened. I have my own Paypal account that I use regularly and keep up-to-date for payments. 

I told Paypal that I had been a victim of identity theft, and they confirmed that the credit card that had been shut down by XXXX was the one used to fund this additional unauthorized Paypal account. The customer service person told me to just wait and they would have to do their investigation. I didn't hear back at all from them, so about a month later I called back and found out that Paypal 's investigation has decided that this was not a case of identity theft. They have not divulged any information about the charges, and have only told me that there is a negative balance of {$25.00} on this account. The email associated with the account is not mine, and all I know is that the balance went negative XX/XX/XXXX, maybe as a result from some of the charges that were reversed on my credit card. 

I have spent over 9 hours on the phone with Paypal, XXXX, and my credit card trying to resolve this. Paypal has proven to be extremely uncooperative, and very accusing. I have been transferred from department to department during my calls for no reason, and have even been prematurely hung up on after having been on hold for over an hour. They have provided me with no proof that I opened the account, and yet have concluded that this isn't identity theft when the credit card used to fund the account was shut down for identity theft. 

I have also filed a complaint with Internet Crime Complaint Center about these charges and the Paypal account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I called to combine 2 cards. I was told because one card was in my company name and the other in my personal name they couldn't be combined. I was also told because one card had a credit balance they couldn't be combined. I requested to receive the credit on one card via check which was sent and it now shows a {$0.00} balance. The other card was switched to be in my company name so now both cards match. I then attempted to combine the cards again and it still wouldn't online. I asked if someone could manually combine and I was told they couldn't. No company should be allowed to offer a product that they can't enforce. I'm being told after making at least 4 calls requesting for someone to assist that they are not able to help with the problem. The combining can only be done online and they have no idea why it isn't allowing me to combine my cards. I believe that is unacceptable and the company should not be allowed to false advertise a product they either can't or simply won't follow through with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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: CA

Complaint narrative:
I submitted ( 2 ) online disputes with Experian. The first time, they listed a US dept of Ed account as a loan with terms of 1 month and several missing and incomplete pieces of information or conflicting and unverifiable information. The balance history noted an ontime payment XX/XX/XXXX and a Collection in XX/XX/XXXX. Yet, the last payment noted as XXXX XXXX. After I requested a reinvestigation- they changed the terms to 120 months which is still inaccurate because I did not ever take out a loan from US dept of Ed.  Furthermore, Date opened is still listed as unknown, payment history is still showing the same, balance, balance updated, and recent payment amount are incomplete. 

Experian has failed to properly investigate and when I called US dept of ED they said I need to dispute directly with Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My identical twin sister and I have very similar social security number. TransUnion has had our report as one report for well over five years. They claim no fault and have even given both of us access to our report with different social security numbers. They fail to properly fix with 60 days. 

This is includes the following lenders pulling hard inquires on my credit report. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX - XXXX XXXX  XX/XX/XXXX Capital One XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXk XXXX XXXX XXXX XXXX XXXX Vs XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have made numerous attempts to have this issue resolved with Midland Funding regarding a negative charge off account on my credit file. I sent a letter to the company dated XX/XX/18 which included a copy of my ID theft report. The account is not my account and I have never had any business with XXXX XXXX XXXX. I have asked that I be provided with validation and verification of the debt including an authorized signature. This has not been provided. My consumer protection rights are being violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: TX

Complaint narrative:
ERC tried to collect on a XXXX XXXX bill that the credit reporting agencies contacted me about. The credit reporting agencies informed me that I was a victim of identity theft and deleted the account from my credit report. ERC then tried to report it. I disputed it and their solution was to sell the debt to XXXX XXXX, who just sent me a bill. ERC knew that there was no debt and they sold it to another company to continue their harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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: LA

Complaint narrative:
The following hard Inquiries on my credit report Im unaware of ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX   In XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Transunion customer service would not help and take care of the negative inquiries reporting to 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 2018-06-12 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX I sent a letter to Experian requesting the correct the personal information they are reporting on the credit file they keep associated with my social security number. I included copies of the following documents for clarification : Commonwealth of Pennsylvania Official Birth Certificate ; U.S. Passport ; Goverment Issued ID ; Current Bank Statement ; and Current Utility Bill They are continuing to act in grossly negligent manner by reporting incorrect and inaccurate names and addresses. 

On XX/XX/XXXX a dispute was opened under Experian report number XXXX. 

I contacted Experian on XX/XX/XXXX to get an update on the dispute. I was informed by a representative of Experian, who can only be identified by XXXX of the Impct Team, that Experian will not update the information. 

I expressed to her that in accordance with the FCRA any address that is undeliverable to me by the U.S. post office is  inaccurate and must be deleted. I also informed her that XXXX and XXXX has already corrected the errors. She informed me that Experian will not delete the inaccurate addresses or delete the erroneous names on my file.

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 2018-06-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
I went to the XXXX dealer XX/XX/XXXX and was given a XXXX XXXX XXXX. I was told that they could not take my XXXX XXXX XXXX because of all the recalls and that the vehicle they were giving me would be more reliable. That I should surrender that vehicle for theirs. ( XXXX dealer sold me a XXXX Vehicle ) ... I only had the vehicle for 3 months. Did not drive this vehicle nowhere close to 1000 miles ( I am XXXX  ) Vehicle broke down on a Sunday, XX/XX/XXXX on Expressway. I had it towed to XXXX and that Monday went into their dealership to find out what could be done, as I did not know what was wrong with Vehicle. They advised me 6 hours later that I needed to get the vehicle towed to XXXX because no one in their garage knew how to fix a XXXX. They also wanted to swap out vehicle with another vehicle but said my payments would be {$700.00} a month. I declined that offer as I am on social security and can not afford that monthly payment. I then towed vehicle to XXXX XXXX on XX/XX/XXXX and was told on XX/XX/XXXX that it was the transmission which would costs me {$5700.00}. Mechanics ' name was XXXX. I then let XXXX know of the situation and they said they would get back to me. Today, XX/XX/XXXX I heard back from them and they wanted to give me a XXXX XXXX XXXX but would not give me a monthly amount payment then claimed they couldn't find a bank to finance me ( Remember now, I have my XXXX on my credit report now ). After being there for 5 hours, they asked me to leave claiming they would get back to me when they could find a bank willing to finance me. I then called the bank I am financed under trying to see if they would help me and they said they don't do that and instead of volunteering to relinquish my vehicle back to them, they claim it would be a impound because my vehicle was not in my possession but rather at a business ( The business XXXX told me to take it to ). If you could help I would appreciate it because at this point I do not know what I can do and I need a vehicle. I keep getting the run around from XXXX and my issue with them is I only had the vehicle for 3 months which is crazy to me. ( But this was supposed to be the more reliable car )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I previously disputed this collection in 2016 and it was removed from my credit report. I never received any documentation stating that this debt was mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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: LA

Complaint narrative:
The following hard Inquiries on my credit report Im unaware of ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX customer service would not help and take care of the negative inquiries reporting to 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 non-monetary relief
Consumer complaint received 2018-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Transunion deleted a tradeline from my credit report following a dispute. The intent of the dispute was simply to have the balance of the account updated as it was not current. The creditor ( XXXX XXXX XXXX ) has re-reported the account to Transunion, however, Transunion has yet to reinsert the tradeline. I would like to have this tradeline reinserted into my credit report so my credit profile is accurate and complete. Attached, please find ( 1 ) a  statement from the creditor ( XXXX XXXX XXXX ) on company letterhead, dated XX/XX/XXXX, confirming the account has been re-reported to Transunion ; and ( 2 ) an excerpt of my XX/XX/XXXX Transunion credit report which provides the identifying data for the account in question. Thank you for your time and attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This is a follow up complaint from original complaint # XXXX which, in a nutshell, was a complaint for an unpaid {$200.00} welcome bonus ( incentive ) offer. I have received the {$200.00} but the complaint now is that it was 3 weeks late ( the agreement stated it would be paid within 45 days of meeting all the requirements and those were met on XX/XX/XXXX so 45 days from that is XX/XX/XXXX but I didn't get paid the {$200.00} until XX/XX/XXXX ). 

The other part of the complaint is that Wells Fargo sent me a letter on XX/XX/XXXX ( 1 week  after I already got the {$200.00} ), wrongly stating that I did NOT meet the requirements. Even after giving me the {$200.00}, they are STILL giving me wrong information. Here is what they are stating in that letter : " Please understand that the eligibility requirements are reviewed based upon a 30 day interval or by calendar month. '' This is wrong because nowhere in the agreement I signed does it state that. What was stated was " per month '', meaning any consecutive 28 day period, or periods such as XX/XX/XXXX to XX/XX/XXXX, or XX/XX/XXXX to XX/XX/XXXX .... Wells Fargo is STILL trying the change the semantics of the agreement to meet their needs but what is legally binding is the actual wording. 

So Wells Fargo breached their contract by not paying me on time and I am complaining about that. They should NOT be allowed to do this. They did not offer me any compensation as I requested. I do not trust this bank. I suspect they are doing this same thing to many other customers. If it wasn't for the fact that I was so persistent in getting the {$200.00}, they likely would have NEVER paid me. Even on the day I got paid ( XX/XX/XXXX ), I asked them why they didn't just deposit it into my account. They told me they were waiting for me to show up at the branch office. This tells me had I not shown up in person at the branch office, they likely would NOT have paid me. Again, this is all proof of a bank that is manipulating customers in a way to not pay them incentive money. This is shady business and needs to be stopped!

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 2018-06-12 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: LA

Complaint narrative:
Hard inquiries thats on my credit report that wasnt authorized XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Ive tried multiple time to disputed through Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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: GA

Complaint narrative:
I have complaint file complaint stating my score is not being calculated properly XXXX  especially has several hard inquiries that should not be on my report this has been on going I barely have credit and they are not updating my report as they should these agencies has been a detrement to my life. 

I need Transunion and XXXX to remove all old inquiries I have a XXXX XXXX limit on my XXXX that is not being reported by tansunion or 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 2018-06-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: AZ

Complaint narrative:
My husband and I lived in an apartment complex in XXXX from XX/XX/XXXX to XX/XX/XXXX and upon moving out, they sent us an incorrect bill. I called them and explained that we had paid the fee to have our apartment cleaned using their cleaning program and even took them a copy of my cancelled check. They still sent this inaccurate amount to a collection agency named Hunter Warfield. I called Hunter Warfield and even sent them a letter plus corroborating information and they refused to budge stating that the apartment complex said that it was a valid debt. When we applied for an apartment and were denied here in XXXX where we currently live, I learned that this was on my credit report. I contacted XXXX credit reporting agency and filed a dispute. On XX/XX/XXXX, I received a letter from XXXX stating that this collection was no longer on my file. Two years later ( now ), my husband got a free credit report and this collection account is on his account now, when it wasn't 2 years ago. I also found out that it was put back on my account after I was turned down for an apartment. I have contacted XXXX and they are telling me that this collection agency is able to put this information back on my credit report because they are members of the credit reporting agency. I was never notified by XXXX that this was put back on my credit report. I do not understand how a collection agency is allowed to report false information and the consumer has no right to keep it off of their credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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: GA

Complaint narrative:
I have complaint file complaint stating my score is not being calculated properly Equifax especially has several hard inquiries that should not be on my report this has been on going I barely have credit and they are not updating my report as they should these agencies has been a detrement to my life. 

I need XXXX and Equifax to remove all old inquiries I have a XXXX XXXX limit on my XXXX that is not being reported by XXXX or Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Offices of Marvin S. C. Dang, LLC
State: HI

Complaint narrative:
Wages were garnished without proper notification. My wages are being garnished from a debt incurred in 2000 based on court documents. I did not have the opportunity to dispute, review, or offers to settle. This debt is not on my credit report, I have no information on the debt. I am able to access my credit report and debts incurred and have no dispute against my obligations, however ; I do not have any information regarding this debt. 
Legal Firm responsible for garnishment : Marvin SC Dang LLC XXXX Hawaii

Company response to consumer: Closed with explanation