vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-24 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: MD

Complaint narrative:
Hello again, i have reached out in hopes to have help with paypal fraudulently holding my money. They have given reason after reason and have kept my money for over an entire year now. My lawyer is ready to sue and im trying to handle this the easiest way possible there has been {$8100.00} in my account being held since XXXX of XXXX when it was sent to me. Please help me i need this money for my family, i have bills like everyone else this is owed to me and at this rate even more for the year long wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I keep getting similar emails in my spam folder from Speedy Cash threatening to take legal action against me if I do not pay right away but they never leave a phone number to call and the emails look like it could be a scam. I did take out a loan back early XXXX which did end up defaulting for the amount of {$650.00}, however, I am currently in a chapter XXXX bankruptcy and I remember including Speedy Cash in my filing back in XX/XX/XXXX. Please contact this payday loan company and stop these harassing emails and constant phone calls. I have a spam block on my phone and keep getting weird numbers multiple times a day but they never leave a message. Please investigate and let me know if this is a scam based on true information from the past and let me know what I should do next. I have forwarded similar emails from Speedy Cash to my lawyer and he said this was most likely a scam and not to worry about it but these emails are talking about serious legal actions involving my place of employment so I'm extremely stressed out about it. I've never gotten anything from them in the mail to back up their claims so I don't know if this is legit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I accessed Trans Unions website to obtain a free annual credit report was billed an unauthorized charge of {$24.00} to my credit card without my consent. There was absolutely no disclosure of a charge. Also, I tried to contact Transunion customer service and I reached a offshore Call Center outside the United States. I refuse to do business with any representative in a foreign country and provide them with my Social Security number. I called numerous times and asked to speak to someone in the United States and got no response they just hit the mute button and ignored my request to cancel or reverse the charge. I called and asked for a supervisor and requested to be transferred to the United States representative and they would not transfer me and I was unable to speak to somebody there. This is not resolved to my satisfaction. Trans Union made a bad business decision and as a consumer I do not want my social security number and credit information in a foreign country!

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 2021-06-24 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: PA

Complaint narrative:
My personal information was compromised in an equifax data breach. Shortly after, I noticed several hard inquiries that were not authorized by myself and are Fraudulent.I 've initiated a dispute with equifax, I've submitted FTC report along with the supporting documentation to equifax as well as placed a security freeze on the account. Equifax has still refused to remove the hard inquiries. The accounts are ... 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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:
On XXXX I spoke with XXXX at Equifax and advised that I saw unauthorized inquiries on my report. I was advised to contact the creditors to request a deletion letter. I contacted the creditors, they were unable to find me in the system as I do not have an account with them, they also advised that they can not provide me with a deletion letter as I am not in the system so there is nothing to delete. I called Equifax again on XX/XX/XXXX and spoke with XXXX and explained that I followed their instructions but the creditors were unable to find me in the system and could not provide the " inquiry deletion letter ''. XXXX then advised that I needed to go to the police station and provide them with a copy of the police report so they could remove the unauthorized inquiries. I went to police station on XX/XX/XXXX and was advised that this was a local matter and I would need to contact my financial institution along with credit bureaus for assistance with compromised information. I contact Equifax again on XX/XX/XXXX, I explain all of this to XXXX who disconnects the call in the middle of explaining what has happened. I call back and speak with XXXX XXXX who confirmed I was given incorrect information and that I will need to file identify theft report with FTC. As a consumer I feel violated and devalued. I followed all of the instructions from equifax which was wrong to start with and still can not get any assistance. When I file dispute online it comes back as factual. I have already placed security freezes and locks on my reports to prevent anyone from accessing my reports, but I need these fraudulant inquiries removed. With XXXX  and XXXX  I did not go through this suffering. They assigned me case workers and worked with me from beginning to end to remove the inquiries. Equifax has been spinning me in circles for two weeks with incorrect information no less. Below are the unauthorized inquiries that I am not aware of and should be removed. 

XX/XX/XXXX XXXX  - XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  - XXXX XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: CHARLES SCHWAB CORPORATION, THE
State: NC

Complaint narrative:
I opened a bank a Schwab online checking and they closed my account, actually XXXX XXXX XXXX and any other bank account that I apply for declines my application and they blame it on information that XXXX has for me. When I obtained my report from XXXX  there is nothing on it, it simply says a few places that obtain the report in the last year. I contacted XXXX XXXX on XX/XX/2021 and spoke with a foreign sounding person who I specifically told not to put my phone number on their database and when I got the report it was their anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: GA

Complaint narrative:
In XX/XX/XXXX and XX/XX/2021 I filed a dispute with this bureau about the unverified account : XXXX XXXX Account number XXXX. In these months I have not received a notice in 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. 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 2021-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NV

Complaint narrative:
Jefferson capital parked an old debt on my XXXX XXXX credit report showing as new debt when the original creditor removed the debt from my report a year ago because the debt was too old. Jefferson capitol bought the debt and immediately parked the debt as new and never tried to contact me via phone or Mail. XXXX XXXX said they contacted them and took their work for it. The day before I disputed with XXXX and it was removed from my credit report within four hours

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/2021 I received notice by Fifth Third bank that the State of Ohio Department of Taxation obtained an order of garnishment against me in the amount of {$3300.00}. The funds were placed on hold and a check was sent to the Clerk of Courts by Fifth Third bank. I resolved this matter on XX/XX/2021 by paying the amount required to the Ohio Attorney General Collection Enforcement office to have my funds released. I was informed by them that if I made the payment over the phone that my funds would be released within two weeks. 
On XX/XX/2021 check # XXXX in the amount of {$3300.00}, that was sent by Fifth Third bank to the XXXX County Clerk of Courts, was returned to Fifth Third bank uncashed due to an error in filing by Fifth Third bank. 
On XX/XX/2021 my garnishment was released. After several unsuccessful attempts trying to reach the Compliance Department at Fifth Third bank via their customer service number and being transferred, I was given an email address ( XXXX ). On XX/XX/2021, I requested that XXXX from The Ohio Attorney General Collection Enforcement send an email to them requesting release of my funds. He confirmed the email and in addition mailed the release to them at that time. To date I have had no response and my funds have still not been released. The case # is XXXX and the reference # is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am a victim of identity theft, Please remove all accounts and inquiries that, I have mentioned in this report they do not belong to me, therefore, needs to be remove those account per FCRA 605 ( B ) U.S.C. 15 as prescribed by the FTC FCRA. 


MACYS/DSNB Account number XXXX Account status Closed Date opened XX/XX/2016 2016

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 2021-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: MD

Complaint narrative:
On XX/XX/2021, XXXX mailed a refund of {$730.00} to PNC Bank at XXXX XXXX XXXX in XXXX, PA, for my auto loan. The check was received on XX/XX/2021, and clearly indicated that the check was for the auto loan in my wife 's name ( XXXX XXXX ). However, PNC return the check on XX/XX/XXXX because they were " unable to locate '' the loan. XXXX is now re-mailing the check to XXXX XXXX XXXX in XXXX, PA, with the account number included on the check. However, my wife 's name should have been plenty enough to locate the loan, so I demand the payment be retroactively applied to XX/XX/XXXX with respect to interest on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: FL

Complaint narrative:
XXXX, a virus protection system, emailed me they were automatically renewing the service I had signed up for. The amount is small, only {$89.00}, but I did not agree to the charge and wrote to XXXX telling them not to renew the system. 

The XXXX system was using a credit card that was not in service, that had either been cancelled or replaced. 

The credit card company initially removed the charge while investigating, but without notifying me of their decision, decided to honor the charge and added back the {$89.00} charge to my Discover bill. 

I had previously notified Discover that it was impossible to reach XXXX either by email or by phone, and I had documentation saying I did not want this service removed, but Discover seemingly did not care either about my efforts nor did they verify the accuracy of my position.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with Transunion XXXX XXXX  XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 


XXXX  XXXX XX/XX/2016

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 2021-06-24 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: MA

Complaint narrative:
these accont don't belong to me. please remove account : 1. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
XXXX : I checked my credit score and it dropped dramatically due to a hard credit pull from Amerisave Mortgage on XXXX. 

I had cancelled a home loan refinance with Amerisave Mortgage in XX/XX/2021 due to too many issues with getting the loan closed. 

On XX/XX/2021 Amerisave Mortgage rep XXXX XXXX called me, I told him I was not interested due to my previous bad experience with his company. 

When I contacted XXXX XXXX, he lied and said I gave him permission, that he absolutely would not have the inquiry removed, forcing me to file a complaint against Amerisave Mortgage with the XXXX XXXX XXXX and disputes with credit reporting agencies.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: GA

Complaint narrative:
In XX/XX/XXXX and XX/XX/2021 I filed a dispute with this bureau about the unverified account : XXXX XXXX Account number XXXX. In these months I have not received a notice in 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. 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 2021-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc.
State: NY

Complaint narrative:
On XX/XX/2021 I sent a letter to AmerAssist an invoice for XXXX for violating my rights under the Fair Debt Collection Practices Act pursuant to XXXX. It has been well over 30 days since I have sent this letter through XXXX XXXX  and I have yet to receive a response from them. Since they have decided to stay silent for so long I have no choice but to take there silence as admission of guilt, and am holding AmerAssist liable for this debt of XXXX that can be payable by check tp the address attached to the invoice sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
Foster & Garbus , LLP, is a collection agency operating as a Law Office. Pursuant to 15 USC 1692e ( B ) ( 3 ), A lawyer ( s ) can not operate as a debt collector. By Foster & Garbus serving me with court papers and issuing a lien where I domiciled, made finances very difficult on my personal life, a unrebutted Affidavit of Truth was sent to them asking them to validate the debt. Instead of them responding back to me, they sent the CFPB a letter, which I have included in my documents to show. Forster and Garbus is a debt collector operating as a law firm, that false and misrepresentation. Which is illegal, forced and tricked me into paying a debt that they allege I owed, to get a lien removed from where I domiciled. By serving me and having me to believe I was in a actual legal suit, Forster & Garbus , LLP was in violation of 15 USC 1692e ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. And ; On XXXX XXXX XXXX, the Department of Financial Services ( DFS ) announce charges against Forster & Garbus , LLP, Debt Collector for unlawfully pursuing debts after failing to prove right to collect. This a practice of Forster & Garbus, LLP and in XXXX XXXX, the unlawful acts finally caught up to them. I have asked them to provide proof pursuant to 15 USC 1692g, request to validate the debt line by line and I have not received that information as yet.

This is the 2nd notice being sent to Forster and Garbus LLP, requesting them to validate the debt, let the record show that Forster & Garbus LLP. Received my documents via certified mail on XXXX XXXX XXXX which they signed for and instead of responding to me the consumer. They responded to the CFPB and their response is labeled Exihibit B, also notice they did not respond or attempt to answer any of the question pursuant to 15 USC 1692g Validation of Debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc.
State: VA

Complaint narrative:
I was approved for and incurred a debt consolidation loan from Upstart ; however, Upstart has not disbursed funds on the loan. The loan is accruing interest, and I have made my first payment on the loan. I have also personally paid off the debt this loan was intended to consolidate. I have called Upstart daily requesting information on the status of the disbursement but have not been helped. I have requested they provide a new amortization schedule for the loan based on a new disbursement date or cancel the loan altogether, but so far they are not willing to take any action on my behalf. The loan is reporting to the bureaus and is affecting my credit score. Please help me resolve this by either receiving the funds or terminating the loan altogether.

Company response to consumer: Closed with explanation