vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
COMENITYCAPITALBANK/ULTA- XXXX XXXX XXXX XXXX  , OH XXXX Phone number not available Date Opened:XX/XX/XXXX Responsibility : Account Type : Loan Type : XX/XX/XXXX Individual Account Revolving Account CHARGE ACCOUNT Date Updated : Payment Received : XX/XX/XXXX {$0.00} Pay Status : charge off Terms : Date Closed : XX/XX/XXXX XXXX I filed a police report for ID THEFT AND THEY WERE SUPPOSED TO CLOSE IT I NEVER OPENED THE ACCOUNT THEY SAID THEY WOULD CLOSE IT IVE BEEN REPORTING AND COMPLAINING SINCE XXXX! This needs to come off my record!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
Starting in XX/XX/XXXX through XX/XX/XXXX, TransUnion Credit started taking XXXX from my debit account w XXXX XXXX XXXX  for surveillance of my bank account. Unauthorized. Search of XXXX showed they did this from XX/XX/XXXX through XX/XX/XXXX and were fined and placed in consent decree by CFPB TO STOP. They were fined XXXX $ million plus for defrauding consumers.I WENT TO XXXX and they canceled my account TransUnion took {$310.00} from my account and sometimes left me w no money. See XXXX  : XXXX Additionally on XXXX XXXX. XX/XX/XXXX they were complaints exactly like this in discussion. 
I believe TransUnion are violating their consent decree. I believe they are defrauding millions of consumers again.

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 monetary relief
Consumer complaint received 2021-06-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CHECK INTO CASH INC.
State: CA

Complaint narrative:
My old check into cash debt was discharged in my bk years ago and they still sold the debt to XXXX XXXX who is now harrissing me even though I keep Asking them to stop and they said they new the loan was in my BK.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: NY

Complaint narrative:
I was a victim of XXXX crime. I am not responsible for this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
Merchants credit guide continues to send me mail and report I owe to the credit bureau and that XXXX told them to do so. This is incorrect I contacted XXXX myself and have proof mailed in to each credit bureau that I have XXXX balance and this was taken care of. I have a XXXX  XXXX I was homeless and XXXX held under a XXXX XXXX. This was never even billed to me or even had a home to mail the bill too to even be aware of it. I lived in shelters, on the street and ended uo attached with XXXX  and XXXX XXXX and XXXX and put in a XXXX XXXX  for almost another year. XXXX told me Through maio  and over the phone to disregard bill. I have the proof and paperwork and have mailed it to everyone. Including the credit agency still reporting i owe. Its called a gift or care and also its against my rights to charge me while holding me against my will. I have proof of XXXX, homelessness, etc. Gift of care was what XXXX referred to as balance owed being {$0.00}. I sent the letter from XXXX to MCG and they still are saying I owe a balance which I do not. I also qualified for XXXX at the time and that was never run through nor was I able to make any mental or financial decisions due to my XXXX  XXXX which I still suffer from and XXXX. Please remove from credit I have contacted them multiple times and they refuse to resolve the issue when XXXX already has. Account balance is {$0.00}. Completely covered. Admission XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX and was sent out to additional XXXX hospitals immediately from there. I received no info about any of this until I was stabilized enough and checked my credit to see this and was appealed. The way they have treated me after multiple calls is not okay. Please help. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have been earning monies on apps downloaded from XXXX XXXX  to my XXXX- I am very successful at this & make as much as XXXX  to XXXX $ in a single day - time I spend fluctuates from 1 hour to 12 or even 13 hours. The problem started with the first app I learned from " XXXX XXXX " - an online instructor of sorts back around XXXX or may have been XXXX, the first app was " XXXX  '' app. A person would download this app and it instructs you to download another app within the app. Then you are to open and run the app for approximately 30 seconds or so. The first day there may be 1 or 2 to open and run it paid {$500.00} per day that I did this 2nd day it may have 2 or 3 to open and run {$500.00} pay takes maybe 15 to 20 minutes 3rd day might have 3,4, or 5 too open &. run - {$500.00} nice first time I try earning money from apps- {$1500.00} for 3 days work 45 to 50 minutes total -COOL OK now I put my PayPal info in and submit- it states payment in 48 hours Money never arrived - the money was paid by app developer but never arrived into my paypal- it was stolen, these cyber criminals figured out they could go into my XXXX and remove the money before it deposits to my paypal- someone ( s ) has been stealing the money from my work- as I stated earlier I have been earning on apps ever since- ++ most apps I earn on now have a person watch adds or 30 second videos. I may be playing XXXX  whereas every few cards I place at top another 30 second add and so on- so to make any money I spend many hours watching 30 second adds. Now the hackers steal the money I earned or they will change the tasks around within the app to suggest I only watched say 15 of required 100 adds videos when in actuality I watched 200 adds - and other times the app will state payment to paypal in 72 hours ok cool 3 days so I do this everyday and I have a payday everyday now sometimes when the timer gets down to say 10 or 15 minutes left of the 3 days they will change the task to say cash out in 257 hours and so on- this has been going on for years - attached is a screen shot of one of the last apps I was working which stated 24 hours for cash out - it took me about 3 hours time to cash out {$19000.00}, okay, that app has been resetting everyday for several weeks now- get the picture- I have sent several XXXX  to XXXX XXXX  and app developers for all the different apps I have been earning on- no response I also tried calling XXXX XXXX  and XXXX XXXX after the bot answering machine my call is dropped before a human answers- as stated earlier I am missing tens of thousands of dollars every week - for two plus years now Thank You There are more cyber crimes that have been being committed by these Same people as I will be filing complaints - these attacks are very serious and need to be addressed Thank You, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
On XX/XX/2021, Ability Recovery Service responded stating they sent documents to validate this alleged debt, which was never received. However, Ability Recovery Service still did NOT send me any of the documents that I requested about this alleged debt. The forms they submitted was not validating the debt and because they refuse to send the documents I requested, this account needs to be deleted from all of my consumer reports. 15 US CODE 1692g Validation of debts Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

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 2021-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I recently submitted disputes XXXX and XXXX totaling {$2900.00} and {$280.00} respectively. The disputes were comprised almost entirely of fraudulent ATM withdrawals at a branch location. Both claims me were categorically denied due to the PIN number being used. I neither affected or authorized anyone else for these transactions. The bank refused my suggestion to review ATM camera footage and the daily log from their ATM and denied the claims. Moreover, the fraudulent withdrawals all have an authorize date that predates their posting date by a few days. Also all are duplicates of earlier legitimate transactions so i was very surprised the bank refused to issue credit or investigate further. I suspect that the phony transactions are not even ATM withdrawals.

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 2021-06-23 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: CB1, Inc.
State: MT

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 2021-06-23 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: FL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST CENTENNIAL MORTGAGE CORP
State: FL

Complaint narrative:
First Centennial Mortgage initiated my home loan in XX/XX/XXXX, then sold it to XXXX XXXX  for a few months, then bought it back in XX/XX/XXXX/XX/XX/XXXXXXXX. XXXX XXXX  is the only one that notified me of this, and First Centennial never sent any type of notification, so when it was time to make the payment I called them, and they directed me to make a generic type of payment on their website. I've been doing that for months now, and have NO INDICATION of whether my payments are being applied. They have not sent or emailed any statements or information regarding my loan at all since XXXX when they acquired it. I have called, left messages, sent emails, multiple times, spoken with representatives that say they will send something, but they never do. They have my phone number, email, and home address.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I was denied credit from the XXXX XXXX XXXX XXXX XXXX XXXX which told me that Experian did not report a credit score for me. Further, I have tried to obtain my credit report from Experian and Experian has asked that I provide personal information such as my birth certificate and bank account which should not serve as bases for credit. 

My right to privacy is being violated.

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 2021-06-23 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Peer Advisors, LLC
State: NH

Complaint narrative:
from ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX.. 
XXXX NH XXXX '' in regards ' ''CE LINK bank contract XXXX ... ... 

... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .. this is a demand request to ; ... ... ... ... ... ... ... ... ... 
to ; '' ... HUD. 
... ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, NH XXXX fax XXXX XXXX XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Good day ; having been informed by ''ce link ' bank that contract XXXX has been transferred to HUD a US FEDERAL AGENCY, Reason given there was no value remaining in the property having been removed with interest and other unexplained charges. 
and CE LINK bank a private business, no longer wanted any cost in holding. 

I have requested a copy of all contract changes on many occasion in ''sign for, ''traceable legal notification form '' the ce link bank never responded. 

I herein request that HUD a US federal agency, respond to my request for a copy of said contract as given to HUD in the transfer.. 
i have received no legal notice from HUD as to the ''transfer '', only a verbal phone call from ce link bank..

i could not reach HUD by phone waited in cue one hour no answer. that will be in the phone company records.

Ihave sent emails to HUD, no reply.. 
____ please excuse my demand format '. 

XXXX XXXX signed my email land phone XXXX XXXX XXXX with message answer,..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: JPMORGAN CHASE & CO.
State: NY

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 2021-06-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In 2019, Chase bank, without reason or my consent, closed all accounts with me the executor of the business name ( s ) aka creditor/consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: IL

Complaint narrative:
I have sent more then one complaint and still nothing. I reached out to the advocacy group on AES web site and i got in a short statement to bad. I have letters out to them today. I have a letter to my attorney general in my state. I was reading their response and it said to call XXXX XXXX XXXX. You may also contact them via mail at : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX Well this place has no idea why they still get call about AES to them. So as of today I am going to have to drop my health insurance and house insurance in order to pay the payments which i am behind on. So by doing this i risk a fine and even more. How do they expect me to live? I even have proof this has effected me mentally. this is a joke. i regret going to school

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
XXXX Coinbase not only closed my account, but took all of my assets without reason or my consent and then demanded payment for successful banking transactions that were used to buy cryptocurrencies via their mobile app

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: Continental Finance Company, LLC
State: PA

Complaint narrative:
XXXX  mastercard is charging me for an amount that they already refunded to to a charge made on my account that was not made by me. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I was charged {$10.00} each month for XXXX which I did not purchase. I called and disputed these charges and XXXX refunded my account. I closed this account afterwards due to the annual fee and they reinstated these charges. I've called several times to resolve this and the last call I was informed that a supervisor would call me back ... This has not happened. I would like to file a complaint and know what my rights are as they are trying to extort money out of me because I simply closed the account. I have the letter of dispute and the final statement that shows a XXXX  balance which should have been enough, but XXXX told me that it doesn't matter and the charges are valid. All files are electronic and now I can only access back to XX/XX/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 2021-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: NV

Complaint narrative:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
PayPal suspend my account for no reason and is holding my money up to an 180 days for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: NV

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I have repeatedly requested Equifax remove these inquiries. Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. 
These unauthorized/fraud inquiries have been the reason for my credit denial and hardship. 
I found I was not the one who authorized these inquiries, I'm asking that that be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am in error, then please send me proof of this.

Company response to consumer: Closed with explanation