vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-13 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:
I request these fraudulent inquiries be deleted/removed from my Transunion credit report immediately. 

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  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX There are fraudulent inquiries that I did not authorize appearing on my Transunion credit report that I request be removed immediately. I filed a police report, and provided the police report and identity information to Transunion. Please delete these inquiries. I NEVER GAVE THESE COMPANIES MY INFORMATION OR AUTHORIZATION TO RUN MY CREDIT! IT IS FRAUD!!! A police report was filed. I mailed in a copy of the police report and proof of identity including a copy of a government issued ID and Social Security Card and proof of residency including a utility bill. According to the Fair Credit Reporting Act these inquiries are to be deleted immediately. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: Paypal Holdings, Inc
State: GA

Complaint narrative:
XXXX I paid {$290.00} and at that time the available credit was {$6000.00} of {$6000.00}. I haven't used the card since and I'm travelling and I can't find it in my stack of cards. Some of the other cards have unauthorized charges on them as well. I don't know what the balance is now as I can't log in to paypal so I don't know what the damage is but I'm tired of worrying about this and I want it replaced and my credit report back to perfect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I received a check from Consumer Financial Protection Bureau in the amount of {$770.00} ( Tracking # XXXX ) and deposited it by way of mobile deposit into my USAA checking account. The check was accepted for deposit and funds were made available to me, as I expected. On XX/XX/2021 I logged into my USAA account to see a balance of negative {$770.00}. USAA returned the check I deposited and told me that " XXXX XXXX was not a business ''. I explained to several USAA members that XXXX XXXX is the business involved with the lawsuit payments not the company issuing the check. I was told to " Refer to Maker '', at which time I called the Payment Administrator at CFPB and explained what is happening. I was informed by the administrator that USAA received payment for the check on the XXXX of XXXX, XXXX. 
I have not heard from USAA OR CFPB regarding this. As of today my account is in overdraft for the check issued by Consumer Financial Protection. 
The irony of this is that CFPB is supposed to help consumers against issues like this, however, I called on XX/XX/2021 and was told someone would be reviewing my issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX/XXXX  Sales Financing XX/XX/XXXX Experian  XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX Experian XXXX Tenant Screeners XX/XX/XXXX Experian EXPERIAN XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX Experian EXPERIAN XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX Experian XXXX XXXX AND XXXX  Other Collection Agencies XX/XX/XXXX Experian US SM BUS ADMIN ODA Federal XX/XX/XXXX Experian US SM BUS ADMIN ODA Federal XX/XX/XXXX Experian XXXX Auto Reseller XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX  XXXX  XXXX XXXX XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: WI

Complaint narrative:
Santander Consumer USA has been continuously reporting a car loan that I did not own and was supposedly cosigned on. I disputed this negative information with them after I discovered that this loan was included in one of the 34 states ( FL ) and years that the lawsuit against Santander Consumer USA took place. XXXX XXXX XXXX, ( the collection agency that Santander sold this account to ) removed this account from my report but Santander refused to for some reason. This negative information is affecting my credit and living situations tremendously and I feel this account should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
I wrote to you about Midland Credit and instead of making a written payment plan or agreeing to my previous letter. They responded by stating to call. I now have called 4 times. The last time I was on hold for nearly an hour with no one answering and each time I have called I have been on hold for 30 minutes or longer. I need help getting this company to comply by sending me a letter of resolution with a payment plan on both accounts or the agreement that I sent them in writing. Is there another agency that this can be elevated to. The behavior is deceptive by asking me to call and no one answering all week. Please let me know my options.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SinglePoint GI
State: IN

Complaint narrative:
I received a letter from a company called General Revenue stating I owe them {$5500.00} from an alleged debt owed to XXXX  XXXX XXXX. I pulled my credit report to also find General Revenue as a debt owed. I have never heard of this company before and have no legal obligations to pay them. On XX/XX/XXXX, I sent a certified letter asking the company to validate the debt. The letter was received and signed by General Revenue on XX/XX/XXXX. The letter also stated to cease and desist all collection activity during this 30 day timeframe of validation. General Revenue sent me a statement from Indiana XXXX XXXX, but the statement did not validate the debt showing my signature as a legal agreement to pay a debt to General Revenue. So General Revenue continued collection activity on XX/XX/XXXX at XXXX XXXX. I received a voicemail from XXXX XXXX attempting to collect on a debt that was never validated and I put a cease and desist in writing asking the company not to contact me. I consider this harassment, especially since I was not provided the proper documentation validating a debt they claim I owe. I contacted General Revenue and asked for a manager and they put a team lead on the line by the name of XXXX who said she would have her manager call me when she returns from lunch. I received a call from a manager representing General Revenue by the name of XXXX who stated they validated the debt and it was within their rights to continue collection activity. I have the conversation with XXXX and XXXX on recording for proof. Per FDCPA, I requested validation of a debt owed and told the company to cease and desist collection activity and she and her company completely disregarded my demand. I am filing this complaint with the CFPB for a violation of FDCPA guidelines and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Last year I discovered false accounts with XXXX XXXX XXXX reporting on my file because of identity theft. I contacted the bank and the credit bureaus about it and they told me to file a dispute. I submitted the dispute and XXXX conducted an investigation. The issue was solved and XXXX stopped reporting the accounts. I was notified by XXXX and XXXX that the accounts were no longer being reported and my report was updated. Experian, however still has not updated my report. I contacted them several times without an answer. Please help me resolve this issue as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
A man from the phone number ( XXXX ) XXXX ( XXXX, MI ) tried calling me and said he represented CashApp. He tried saying that a transfer of mine wouldnt go thru. I knew this was a scam as I have not made any transfers with Cashapp in some time. He asked for my login credentials and I denied him and asked if he was a scammer. He quickly hung up the phone. I did not fall for his scam but I wanted to report him.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
The date began was XXXX, 2020. From a recommendation of a company called Check n go for an installment loan. The amount borrowed was {$2000.00}. dollars, received {$1600.00}. oo, the r3emanider was paid to Check n go for the balance on a loan. The website was called XXXX XXXX, which was redirected to the company called XXXX, which is also part of Check N Go Corporation, in XXXX Ohio, They wante a total of seventeen payments, of {$280.00}, I missed one payment which I informed them, that the account which was ACH by the way, was to be closed or so I thought, and I would send tem a new account, which is called XXXX, I changed my mind and sent them postal money orders, which they sent me three different amounts, that I owe, now they want another XXXX, dollars which I am not going to pay. I have already paid {$2300.00}. 00 back. I checked with the Chamber of Commerce in the city, they told me Check N Go bellied up. Went out of buisness, address was listed under renovations. So I have not paid any more payments. Their collection department sent me another bill for {$860.00}. XXXX, The website, XXXX XXXX, which is supposed to be their website, has diplays of tvs, tablets, other electronics for sale. The percentage rate is astronomical, I do not recall them specifying the amount, of percentage and daily rate. I assumed that the loan was for the amount paid off, as well as the balance. I don't have a problem paying what I owe, but another amount that XXXX have been paid what I borrowed plus some interest, Please investigate this matter for me, if you have any questions or need paperwork, Please give me time to obtain it by printer, and I will fax to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I am asking that you address the issue with PayPal and assist me in getting my money back that PayPal illegally froze and kept without explanation. They charged XXXX? To an outside pay card for a subscription that I was in jail when this subscription was started. How do I start a subscription in jail? Additionally, how are they charging my card in 2021? When it's been over a year, and they never charged me any time during that year and then out of the blue they charged me XXXX? So why did they not charge me all year? They froze both accounts and gave no legal reason as to why they froze them. However, they took their fee and if they took their fee they acknowledged the legality of the transaction correct? So the XXXX XXXX dollars they processed as a payment from a service I provided to a customer. For them to charge the free was XXXX dollars? Something like that, but they didn't report the payment as an error the gentleman who called me tried to say that he felt the payment was incorrect and that I should explain to him or admit that it was illegal. It was not illegal and if it is not illegal then why freeze my payment and then my accounts? So could I please get your help in returning my money? They refused to reopen my money and the customer service representative refused to provide an identification number that would allow you all to address this issue directly. There is another payment XXXX dollars that was charged for a subscription that was cancelled and the card should not have even been on the subscription. So why charge me XXXX dollars for a cancelled subscription with a card I never used for that subscription and then they sent the XXXX contacts to XXXX where I no longer stay. The XXXX dollar subscription I never signed up for and was in jail. So that was illegal and all the money they took for that what is that? Also there is the issue with the PayPal credit card that was used in XXXX Florida at wood you furniture. So what happened with that? I reported it to PayPal and they started that I couldn't get the card cancelled and I couldn't use the credit but it was on my credit report so someone fraudulently used my name to steal credit or money. I been dealing with the identity theft for all of my life and most recently in the last three years I felt the effects brutally.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Credit Reporting Issue I have an account with Toyota Motor Credit that is currently CLOSED and PAID OFF. However, the account and history is only being reported to XXXX and XXXX. It is not being reported to XXXX. The account previously was reporting to XXXX. PLEASE NOTE, I AM NOT DISPUTING THIS ACCOUNT, THEREFORE A DISPUTE COMMENT SHOULD NOT BE INSERTED ON THE ACCOUNT WITH THE CREDIT REPORTING AGENCIES. Refer to Screenshot attached to this complaint for credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I called XX/XX/2021 to synchrony bank care credit. They closed my card on XX/XX/XXXX without telling me for reason of credit change. There has not been any significant changes in my credit. Only a minor change. Credit is still above 650 and has only changed a few considering I just financed a car and have a small student loan. Both of which shouldnt impact this too much. This line of credit with Synchrony Care Credit was over $ XXXX and has caused my credit score to decrease since its closure. Synchrony will not talk to me further about it. This card paid for one of my surgeries and was going to be used to pay for another which now I cant get because of this account closure. My account has always been in good standing. Never had a late payment and always paid on time or early. Paid off my account earlier than was expected 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 explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
A letter from Huntington Bank dated XX/XX/XXXX was sent to me saying a checking account was opened in my name. I called the bank on XX/XX/XXXX inquiring about the account and they closed the account the same day. XX/XX/XXXX I contacted the credit bureau and froze my credit report from being pulled. A letter from Huntington dated XX/XX/XXXX was informing me that a XXXX XXXX tried to withdraw {$1500.00} from the fraudulent checking account. The withdrawal was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/2021 I sent a letter to Bloomingdales regarding inaccurate and unknown things on my report. On XX/XX/2021, I sent out another letter. To this day over 60 plus days later. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 it is plainly stated that a failure to investigation. These items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted by the XXXX data breach and many have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MN

Complaint narrative:
In XXXX I was not given the opportunity to put my loans into deferment by Firstmark Services and they subsequently put my loans into collection without proper notice for me to submit paperwork on time. In XXXX of XXXX I submitted a case to the Minnesota Attorney General 's office who after working with Firstmark was able to get the loans removed from collections and put back into good standing and into deferment for the next year. Last XX/XX/XXXX I checked my credit report to find that Firstmark never removed the reporting of collections on my student loans and still reported them in collections even though they agreed they should never have gone to collections at all. At that same time I found that they put a late on my credit report for XX/XX/XXXX when the Firstmark representative affirmed to me they should have been reported as deferred due to COVID-19. I attempted to work with Firstmark through the Minnesota Attorney General 's office again with no resolution. The Minnesota Attorney General 's office agreed that my situation should be remedied but Firstmark was not willing to look into my case and provide a resolution. Attached is correspondence from XXXX ( the original case ) and XXXX when attempting to resolve the XXXX case and XXXX case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX AF - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX FCU - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX FCU - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3500.00}, {$2900.00}, {$6000.00}, {$2600.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$6000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account.

Company response to consumer: Closed with explanation