vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
today XX/XX/2022 I got an email from PayPal that says : " Hello PayPal user ( which I am NOT ) - Here 's you invoice Billing Department of PayPal sent you an invoice fore {$800.00} USD Buy now : Pay over time Seller note to customer " Your PayPal account ( which I am not aware that I have an account ) has apparently been illegally accessed, according to the evidence. Your account has been charged {$800.00} for the XXXX eGiftCard purchase ( which I don't have ) this transaction will show up in the automatically debited amount on Payment activity. Contact us right away at the toll-free number XXXX XXXX or go to the PayPal Support Center for help if you believe you di not make this transaction. PayPal " At this time, I did not respond to PayPal as I think this is a scam?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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:
I initially opened a secured credit card with a {$600.00} credit limit with XXXX XXXX. After having the account open for a few years, I noticed that my account had been closed. 

The final few months of 2018 reflected that of inaccurate information received by XXXX XXXX. As a result, there continue to be a total of XXXX " charge off '' statuses for each month from Experian. 

I have requested documentation showing fees, etc but have failed to receive any documentation and my attempts to resolve this have been unsuccessful. 

The {$600.00} security deposit that I placed for this secured credit card was also not applied to any balance that I essentially had upon account closure. 

The total balance of {$1600.00} from XXXX XXXX which Experian reflects as a charge off has several inaccuracies that reflect on my credit file as a result of fees, other non disclosed terms & conditions as well as accured charges that were not disclosed in the initial cardholder agreement. 

Experian has allowed XXXX XXXX to report this account as a regular credit card. This was a secured credit card and it does not state that on my Experian file. The terms of this alone require Experian to remove this from my file in it's entirety due to inaccurate reporting.

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 2022-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: KS

Complaint narrative:
Since they ignore this on XXXX We are talking about the XXXX trade line now, which I've vehemently denied owing anything to them or you all. I've told you all that I never received any debt verification in the time allotted ( which automatically makes the trade line in slide and by law needs to be deleted ) but I also contacted this company through their own website to which I never received a response asking for the same things. I don't rent from XXXX, nor do I owe them any money BECAUSE I never rent from them, never had a reason to, I have my own car. XXXX never provided me proof, nor did this company... .I 've gotten so many fraudulent accounts off my credit, since I've actually learned and looked at my reports, and this is CLEARLY another one. Remove the tradeline for XXXX off of all my credit reports, ( XXXX, XXXX, XXXX ) IMMEDIATELY & Permanenetly! My attorney has told me I've been extremely patient, but I'm trying to avoid litigation as it's honestly a slam dunk because there is no proof of me owing the XXXX debt ... .BUT that doesn't mean it won't start in an instant as I'm tired of this and am trying to resolve this to move on with my life. DONT make this harder than it has to be... .just delete the XXXX tradeline XXXXnder you alls name and this stops ... .Do n't... .and you will be sued. Last time I'll say this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: Velocity Portfolio Group
State: NY

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: AZ

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed accounts on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the accounts being reported on my Credit Report. But in my case, XXXX has kept reporting the disputed accounts claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that XXXX provide me copies of documents bearing my signature to verify the status of the disputed accounts. If the Credit Bureaus failed to comply with the condition and continuer the reporting of the disputed accounts, please understand I will seek legal action. I need the accounts corrected as soon possible : XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Bankruptcy Reference # : XXXX XX/XX/XXXX Asset Amount : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-09-02 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: CA

Complaint narrative:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Opened : XX/XX/2016 Balance : {$2500.00}

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 2022-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Rausch Sturm LLP
State: TX

Complaint narrative:
In XXXX I was sent a letter and a civil citation stating I owed {$6100.00}. The petition said I owed XXXX and was turned over to XXXX XXXX XXXX XXXX. Rausch Sturm LLP represents XXXX. 
I wrote them a letter XXXX XXXX, XXXX letting them know this wasn't my account. I didn't hear anything until XX/XX/XXXX stating in a letter that they take these matters seriously and is under review. I responded again on XXXX XXXX and XXXXXXXX XXXX.Since that time I '' ve received notices and now a judgement against my mortgage. I have responded to each notice in writing, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX and XXXX XXXX, XXXX. I've even written a letter to XXXX XXXX Court House disputing this charge, XX/XX/XXXX. I also filed a Motion to Set Aside Default Judgement and Notice of Hearing on XXXX XXXX, XXXX. 
I've made multiple calls to Rausch Sturm collection agency and spoke to several employees on XX/XX/XXXX, XX/XX/XXXX nd XX/XX/XXXX trying to get this taken off my mortgage as a lien against my home. It has caused hardship since I could not refinance and get a lower mortgage payment and I am out the appraisal cost. My employer runs back ground checks periodically and this judgement agaisnt me has also caused a hardship on my job and a fine against my department. One of the reps at Rausch Sturm said I needed to file an affidavit which I did on XXXX, XXXX. I received another call from them on XX/XX/XXXX stating there hasn't been any movement on this case and they are mailing me another affidavit to file again. This has been going on for almost XXXX years. 
I need to file against XXXX XXXX, Raush Sturm and XXXX as I have mailed many letters and called numerous times disputing this account to no avail.

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 2022-09-02 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: MI

Complaint narrative:
I check my credit report and seen some unauthorized inquiries. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02 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: MI

Complaint narrative:
I check my credit report and seen some unauthorized inquiries. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: NY

Complaint narrative:
I have been paying the invoice to XXXX monthly. On XX/XX/2022 I received an updated statement of my account that states the last payment I made was XX/XX/2022. On XX/XX/2022 I received collection notice for the balance. I want this off my credit as I have been making regular payments for this bill and when I went to make my regular payment the system denied me. The system never allowed to set up a payment plan as other medical systems allow.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: EQUIFAX, INC.
State: MI

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: TX

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balanced Owed : {$0.00}

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 2022-09-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO

Complaint narrative:
Storm damage to the property in XXXX of XXXX, led to an insurance claim. The proceeds from the claim check needed to be signed by the mortgage company Carrington Mortgage, and they KEPT THE CHECK. There was a second check cut, the first was for XXXX XXXX and XXXX XXXX XXXX  the second was for over a XXXXXXXX XXXX due to MORE DAMAGE done at to claim due to lack of repairs. This check too was kept by Carrington saying, " ... .because we have a financial interest in the property, we need to monitor the repair process. '' However, with no money down, and no action on their part to pick a contractor that falls to me, and I couldn't find a contractor since I have no money to put half down to get started. Eventually, we found XXXX XXXX, who kindly agreed to send all of the paperwork requested by Carrington Mortgage. Bids, Insurance, licenses, all sorts of stuff were delivered, and Carrington admitted in a phone call last week that they had all of the material they needed since XX/XX/XXXX. They said they needed 5 days. That was two weeks ago. I was told yesterday the XXXX, that they may have made a XXXX XXXX XXXX withdraw from the account, as if, that would equal anything!!! It's not half of anything, it's not all of anything, it's a random amount that gets nothing done, like the process they've been monitoring for 10 months. I want ALL THE MONEY to hire or fire whom ever I want to get my roof fixed. Carrington Mortgage is interfering with the contractual completion of my insurance policy by usurping the construction process and denying me my promised contractual proceeds in response to a covered properties damage as defined and assessed by an accredited agent of the company, XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: TX

Complaint narrative:
Following the Biden Administration 's announcement about student loan forgiveness, I contacted EdFinancial to inquire about a refund for student loan fees I have paid since XX/XX/XXXX. On XX/XX/XXXX I called and waited on hold for more than XXXX hours to speak with a representative. During that call I asked about the process for requesting a refund and was told that it would take XXXX months for the refund to be processed. I asked for clarification on how this would affect my ability to receive the student loan forgiveness, and when my loan balance would be reinstated. EdFinancial could not give any answers, and then the call dropped. EdFinancial did not make any attempts to call me back. During that call I also asked EdFinancial to please confirm to me the amount I had paid since XX/XX/XXXX, and EdFinancial could not confirm the amount and did not even attempt to do so. ( My loan was transferred from another provider, XXXX in XX/XX/XXXX, and my payment history for more than a decade prior to that no longer appears in XXXX  and does not appear in my EdFinancial account. ) On XX/XX/XXXX I called again and waited to be called back. EdFinancial did not call me back the entire day, or any day after. I then used the customer service chat feature and spent XXXX XXXX speaking with and waiting for responses from another representative. This time I was told it would take at least XXXX business days for the refund to be processed. I again inquired about when my balance would be reinstated, and EdFinancial did not know. I then asked whether I would be provided written confirmation of 1 ) my refund request 2 ) the amount to be refunded 3 ) EdFinancial 's guarantee that my balance would be reinstated before the student loan forgiveness was processed, and 4 ) that I could cancel the refund request at any time before it was processed. EdFinancial told me they could not provide anything in writing.

I understand that EdFinancial, like other loan servicers, is trying to implement major changes due to the announcement ; however, as a customer, this refund timeline appears to be much, much longer than that of other loan servicers, and it is extremely concerning to me that EdFinancial could not even tell me my payment history or give me enough information to make an informed decision about whether to request a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-09-02 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. WELLS FARGO CARD SER XXXX Date Opened : XX/XX/2017 Balance : {$8600.00}

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 non-monetary relief