vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: NV

Complaint narrative:
I Provided ALL THE INFO AND DOCUMENTS REQUIRED FOR MY IDENTITY VERIFICATION, yet my : " Identity Verification is currently being reviewed '' NOBODY is looking at the ID I uploaded to simply confirm my Identity. 

This is causing your system to ask for a wire transfer ( which is used for bank ownership verification in those instance were the customers is unable or choose NOT TO use your Instant PLAID verification system ). 

I SUCCESSFULLY USED PLAID as Bank Verification System and AS your systems tells me I am CLEARED for ACH transfers to/from that account ... ....

I can not indeed proceed because my " Identity Verification is currently being reviewed '' which causes your system to wrongfully think I need to complete the MANUAL bank verification OVER WIRE. 

I COMPLETED The AUTOMATED Bank verification Over PLAID and that WAS A SUCCESS. 

YOU DIDN'T CLEAR MY ID ( nobody looked at the uploaded ID ). 

READ BEFORE ANSWERING other Absusrdities! 

I AM NOT ASKING FOR HELP TO VERIFY MY BANK, THAT I DID OVER PLAID I AM ASKING YOU TO WORK MY ID DOCUMENT IN your system and complete the review OF MY IDENTITY VERIFICATION - NOT MY BANK VERIFICATION THIS IS NOT ABOUT BANK VERIFICATION THIS IS ABOUT IDENTITY VERIFICATION - check and approve the UPLOADED ID!! 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Control, LLC
State: CA

Complaint narrative:
Has harassed through phone calls late at night after business hours, and called my daughter and son in law harassing about the debt. refuses to stop calling in middle of the night.

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 2021-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Good day paypal closed my account with money in it and they said I will only be able to get the money after 180 days up until now I have not received any message from them I tried to call but they do kot take any calls I stay on hold for hours

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: DISCOVER BANK
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-01 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: NY

Complaint narrative:
I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I attached a copy of my affidavit from the Federal Trade Commission. Please be advised that this is my third request, and the unverified items remain on my credit report. I have yet to receive a response from the bureaus, nor have I received any documentation to verify that the information is mine and is correct, which is required under law. Since I have not received any documentation, nor a response please delete the items as soon as possible. Failing to do so, will result in legal action being taken against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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:
I am contacting you in hopes that you can help me with TransUnion reporting information that is not mine & for things that I did not apply for. I have not received anything from these companies neither did I apply for anything. I have asked several times to remove, they told me to send in an identity theft report but somehow each time I send it they find a way to loose it.

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 2021-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
XX/XX/2021 I was trying to buy an account on ( XXXX XXXX XXXX ) I transfer the money to seller but he didnt give the account. seller said close the case so he will give me the account so I did and he still didnt give it.. I cant close the case anymore so I did I use the option unauthorize used and explaining that I got scam but I cant get a refund. I just want to get my money back, I use paypal. Thank you for help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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 {$0.00}, {$0.00}, {$110.00}. 
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 ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- REAL ESTATE LOAN 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$110.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I reviewed my credit report and noticed a medical debt from Medical Data Systems INC. I reached out to them to inquire about the debt and they sent me some paperwork in which it violated my hippa rights. They had personal information showing my procedures and medications. I never signed a hippa form to release this information.

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 2021-07-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX Equifax and XXXX are reporting 2 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I sent in a dispute letter to all Credit bureaus XXXX, XXXX, and transunion on XXXX to dispute and delete all inquiries that didnt belong to me, are closed or I didnt authorize. 

Primelending - Closed Date XXXX XXXX- Closed date XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX - CLOSED XXXX Inquiry- XXXX XXXX XXXX XXXX I have yet to hear back or see any progress with my request. I am filing a complaint against the credit bureaus due to not complying within 30 days to my dispute request.

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 2021-07-01 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: NY

Complaint narrative:
I understand that you are asking for additional information. I also know the law allows you to ask for additional information to prove my identity. Well, I sent you all the documents that you requested in my first complaint. Why are you asking me to send this information again? Right now, I cant get approved for credit that Im seeking due to inaccurate items on my credit report. 

And when your company asks for more information even though I sent it, Im disappointed at the way your guys are handling my disputes. I have complied with your request by attaching the proof that you are requesting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: FL

Complaint narrative:
On XX/XX/2020 I suspended my XXXX XXXX XXXX XXXX service due to XXXX XXXX and service not being available in my area. At the time I was enrolled in autopay, as that was how all my bills had been paid and I did not change that. My service was to be suspended for six months. Due to XXXX XXXX I was not to be charged the $ XXXX monthly fee. However, my account was abruptly canceled and charged {$75.00} without my permission. I disputed the debt with the first debt collector, and won. They removed the account from collections. I attached the email with their response the day they removed my account from collections. 

A second collector, XXXX XXXX XXXX, attempted to collect this debt. This time I disputed directly with XXXX and informed them this was the second collection attempt. XXXX sided with me and removed the account from my credit report. 

This third company, Franklin Collections, is fraudulently trying to collect debt that is not owed to anybody since I have disputed it and won twice. It is ridiculous that debt collection companies can hurt peoples credit scores by trying to collect old debts that are not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I understand that you are asking for additional information. I also know the law allows you to ask for additional information to prove my identity. Well, I sent you all the documents that you requested in my first complaint. Why are you asking me to send this information again? Right now, I cant get approved for credit that Im seeking due to inaccurate items on my credit report. 

And when your company asks for more information even though I sent it, Im disappointed at the way your guys are handling my disputes. I have complied with your request by attaching the proof that you are requesting.

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 2021-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alpine Credit, Inc
State: AZ

Complaint narrative:
The alpine credit agency falsely linked another persons debt to my ssn. I called the credit agency in XXXX and they would not help me because they said they verified it was me. I obtained the medical centers information where the bill was done in Colorado and spoke to the billing office. They confirmed they did not have an ssn on file for the person XXXX XXXX and it wouldnt be identity theft because my social wasnt given either. Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Colorado XX/XX/XXXX date of service for XXXX XXXX per XXXX? financial XXXX at phone number XXXX m-f XXXX. I have never lived in or visited Colorado, my name is not XXXX XXXX. I did send my id with my address and name and a letter to XXXX and they intitally removed it but recently readded as they said the credit agency verified it was me. This is harming my credit and I am in the middle of trying to get a loan and this is extremely detrimental and frustrating as the collection agency has been so rude and wont take accountability for making a mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: MO

Complaint narrative:
Violation of the FDCPA, FCRA, TILA have been found. I have sent Validation letter, my request of the name and address of ORIGINAL CREDITOR, sent cease and desist, affidavit of truth, invoice for violations of the law, and Exhibits of violations. I have received collection calls and I the consumer rights have been violated. I have tried to have this issue remedied, I sent documents XX/XX/2021 and I have not received full response. I notified Discover financial services my right pursuant to 15 usc 1692h and my notice of removal of the late payments on my credit report, I have sent notice pursuant 15 usc 1666b but no response. Also according to FCRA Discover does NOT have permissible purpose, 15 usc 1681b ( 2 ) they are furnishing a report without my consent. I am not in debt to Discover Financial Services, pursuant to 18 usc 8. I am the original creditor and they are attempting to collect an alleged debt not owed by I the consumer. I have resent documents and additional information certified mail XX/XX/2021 and has notified them of 30 day timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had a chase checking account about 15-20 years ago it was closed they never told me why and till this day I cant open a new account with them. If I owe money I will be willing to pay them I just want to open a chase bank account its the only bank thats convenient for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I sent in a dispute letter to all Credit bureaus XXXX, Equifax, and XXXX  on XXXX to dispute and delete all inquiries that didnt belong to me, are closed or I didnt authorize. 

XXXX  - Closed Date XXXX XXXX- Closed date XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX - CLOSED XXXX Inquiry- XXXX XXXX XXXX XXXX I have yet to hear back or see any progress with my request. I am filing a complaint against the credit bureaus due to not complying within 30 days to my dispute request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I sent in a dispute letter to all Credit bureaus Experian, XXXX, and XXXX on XXXX to dispute and delete all inquiries that didnt belong to me, are closed or I didnt authorize. 

XXXX  - Closed Date XXXX XXXX- Closed date XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX - CLOSED XXXX Inquiry- XXXX XXXX XXXX XXXX I have yet to hear back or see any progress with my request. I am filing a complaint against the credit bureaus due to not complying within 30 days to my dispute request.

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 2021-07-01 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:
I am contacting you in hopes that you can help me with Equifax reporting information that is not mine & for things that I did not apply for. I have not received anything from these companies neither did I apply for anything. I have asked several times to remove, they told me to send in an identity theft report but somehow each time I send it they find a way to loose it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX  XXXX XXXX  has continuously charged late fees without any notice. 

The credit card does not get used, therefore I only get notices that there is a late payment through my credit report. 

By that time its too late. 

Zero letters, Zero phone calls, Zero notifications made by XXXX XXXX XXXX  to rectify balance. 

Dates charged : XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21

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 2021-07-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
I applied for an income-driven repayment plan in XXXX to work toward PSLF when I started working for a new public employer. I had been on the IBR program before leaving to work for three years for a non-qualified employer, and thought this was still the only program I was eligible for. I was put on IBR, which required I pay 15 % of my income toward my student loan. I was never informed that I was eligible for the REPAYE program, which started later and allowed me to instead pay 10 % of my salary. I just found out about REPAYE in XXXX, applied and was approved. Because my servicer ( via MyFedLoan ) didn't inform me that I was eligible for a lower payment, I have been overpaying by 5 % of my income for over five years. Is there any recourse to get this refunded? 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Fraudulent account. Opened without my knowledge, consent or authority. Company agreed to delete it from my report due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I attended XXXX University online on or around XXXX taking classes towards my XXXX. I was informed at the time that I could withdraw from classes within 10 days per the financial aid rep/counselor. I had three classes and decided it was overwhelming due to just having a baby and was assured that this would not go against me adversely. With this misinformation my GPA dropped, started receiving emails stating that I owed over {$3000.00}. I then proceeded to settle the problem on different attempts with a letter of grievance, doctors documentation etc..

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 2021-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Fraudulent account. Opened without my knowledge, consent or authority. Company agreed to delete it from my report due to identity theft.

Company response to consumer: Closed with explanation