vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-26 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: OH

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX-Loan XXXX XXXX lease XXXX XXXX-Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

XXXX XXXX-Loan XXXX XXXX lease XXXX XXXXInquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply.

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 2019-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX-Loan XXXX XXXX- lease XXXX XXXX-Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

XXXX XXXX-Loan XXXX XXXX- lease XXXX XXXX-Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of  that information. 
I appreciate your prompt attention to this matter, and await your reply.

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 2019-08-26 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:
On XX/XX/2019, I ran a credit card transaction for a client through PayPal for payment for my services from a client. PayPal has now imposed a requirement that I provide evidence of my license and or certificate. As a XXXX, I do not need either according to the California Business and Professions Code. I have a degree in XXXX XXXX but they say that it is not sufficient. As a result, they refuse to give me the money that my client paid me through the transaction. They have imposed a 120 restriction and insist on withholding access to the funds until I provide the information they require that isn't required by the law and doesn't exits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
3 times in the last 6 months they are processing my regular payment as a principal payment. Then, my next bill will show that I owe twice as much and that it's overdue and clearly show my principal payment that I made just several days before my due date. Each time they have to reverse my principal payment and turn it into a regular payment. And then send a note again to their billing sang that all my payments go towards regular payments. This is now happened multiple times they can't seem to get it right

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: IL

Complaint narrative:
I can not identify this item on my credit report i will like a legal binding contract that binds me to this item XXXX for the amount of XXXX please have it sent to my address on file. 
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 2019-08-26 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
When trying to remove a freeze on my Equifax credit report, I am unable to access my report. My online account on myEquifax appears to be locked out and is inaccessible. When calling Equifax, they are unable to locate my account via SSN, address, name, or phone number. They suggested faxing in the request to remove the freeze along with a copy of my license and SSN card, which I did on XX/XX/XXXX, to no avail. After calling back to check, they are still unable to find any account for me. 

I have several previous lines of credit, including a mortgage and car loan, and never had any trouble accessing Equifax in the past to place or remove a freeze. Since Equifax is unable/unwilling to unlock the freeze, I can not apply for further lines of credit with lenders who pull Equifax reports. I would appreciate help getting Equifax to resolve this issue promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/2019 I sold some theatre tickets on XXXX and XXXX sent the proceeds to a Paypal account that was specifically setup for this transaction. 

Paypal would not accept my legal PO Box address as a " confirmed address '' and refused to let me withdraw my money via a paper check without either 1. adding a bank account, or 2. adding a credit or debit card to my account.

After entering my physical street address and again requesting to withdraw my money via a paper check, Paypal required that I add a bank account before they would allow me to withdraw my money.

After calling Paypal customer service, they managed to force the address confirmations thru their system. I then proceeded to attempt to withdraw my money via paper check again.

Paypal next forced me to a screen where I had to " set up with a PayPal Cash account '' or I would not be allowed to continue on to attempt to withdraw my  money. Apparently this is way of forcing the customer to agree to new terms and acknowledge new terms and conditions, here is a paste of the verbage : " Not FDIC insured. 
No overdraft/credit feature. 
Contact us at XXXX, by mail at PayPal Inc., Attention : Legal Department, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, or online at paypal.com/us/smarthelp/contact-us. 
For general information about prepaid accounts, visit cfpb.gov/prepaid. 
If you have a complaint about a prepaid account, call the Customer Financial Protection Bureau at XXXX or visit cfpb.gov/complaint. 
By clicking Agree and Continue, I can confirm that I have read and agree to the PayPal Cash Terms and Conditions. '' I attempted to call the Paypal " legal department '' at the phone number mentioned in the disclosure. It is not a phone number for the legal department : it is a general Paypal number where you must give them your social security number, your phone, number, and other identifying information before Paypal told me that I can't talk to the legal department, maybe they can help me, etc.

There are many misrepresentations, false/deceptive advertising, and bait and switch tactics involved in this process. Paypal represented to me that I could get a paper check and " all I had to do was open an account '' and click a button.

After insisting that I be allowed to speak with someone who can help, Paypal very quickly managed to " request a paper check '', and " There it's done '', and " It should arrive in about two weeks ''. Two weeks? Seriously? Are they working the float on my money? This is outrageous : no FDIC bank would be allowed to get away with this-so why is Paypal allowed to get away with it?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: KY

Complaint narrative:
Back in late XXXX, early XXXX I had some financial issues. I believe i have paid everything I owed back then. I have mailed several dispute letters to the bureaus and also directly to Online Collections for 100 % verification. Online never responded to me with any type of validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: FL

Complaint narrative:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2019-08-26 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: FL

Complaint narrative:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Company closed my credit card account without my permission and without good cause. Capital One also mishandled several of my billing disputes on the credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
I have an account with Robinhood Securities, LLC. Robinhood does not provide the cost basis of securities in the app or otherwise after a stock forward or reverse split occurs. I've complained about this issue to Robinhood many times. Every other broker I have provides updated cost basis information. Robinhood has refused to make this change, or confirm this information for me. Please mandate that Robinhood provides accurate cost basis information. As a consumer, I am relying on a financial institution to provide me with clarity about the investment products I am buying through their brokerage.

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
To whom it may concern, In approximately XXXX, my wages were being garnished for a student loan debt by debt collectors of XXXX XXXX XXXX. XXXX of XXXX I contacted XXXX XXXX and spoke to XXXX ( XXXX ) to inquire about this debt. I was notified that they had a 2nd garnishment for a Walmart credit card that they were then collecting on. I was not notified of this at all. So XX/XX/XXXX I received payments from XXXX XXXX in approximately over {$800.00} for overpayment. 

In XX/XX/XXXX, I was sent a judgment letter against me rewarding XXXX XXXX   {$4500.00} for this Walmart credit card account. I once again never received court documents until they were supposedly filed against me. I notified XXXX XXXX XXXX that I was seeking legal advice and needed more information on this debt. I always inquired about the statutes on this credit card since it was from XXXX, and the account was closed. In XX/XX/XXXX I received more documents where their was a court date and I was not notified. The supposed judge issued a wage garnishment for this account from XXXX. I sent a written correspondence to XXXX XXXX requesting more information and why wasn't I notified of a court date. I also advised them to submit all info regarding this to my attorney. I heard nothing, but my wages began being garnished on this 20 year old account. 

After contacting Walmart regarding this issue, they had no knowledge of the account being open and were no longer collecting. After carefully looking over my credit report, this account from XXXX is open without my knowledge with an credit limit of {$3500.00} in which I did not authorize this account. Walmart credit bureau could not give me any information or had no knowledge of this account. So I have a 20 year old account where my wages are being garnished and a open credit card account I did not authorize. XXXX XXXX XXXX has failed to submit information from Walmart.

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 2019-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: WA

Complaint narrative:
Wakefield & Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CO XXXX Via USPS Certified Return Receipt mail XX/XX/2019 To Whom It May Concern : On XX/XX/2019 we received communication from you regarding an alleged order from XXXX XXXX XXXX for medical supplies sent to our address. We did not order or authorize this shipment. You stated that we owe {$3000.00} for medical supplies because the supplies were never returned. Unfortunately, we can not find these items. We believe they might have been thrown away. 

Per 39 U.S. Code 3009, section B - this unordered and unauthorized merchandise may be treated as a gift by the recipient, who shall have the right to retain, use, discard, or dispose of it in any manner he sees fit without any obligation whatsoever to the sender. 
With this, we dispute the above-referenced debt to your client. 

Please verify this debt as valid as required by the Fair Debt Collection Practices Act ( FDCPA ) ( section 1692g ). Please validate my original order for these items, including payment ( s ) made for these items, as well as my authorization to deliver these items to my address. Please also send the company name and address of your client who is alleging this debt. 

Because I am disputing this debt, you are not to report this to any credit reporting agencies. If you have already reported it, please notify me of this fact and notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. 

Please return your validation date to me in writing addressed to me at XXXXXXXX XXXX XXXXXXXX XXXX. XXXX, XXXX, WA XXXX. 
Thank you for your cooperation in this matter. 

CC : Federal Trade Commission via web entry CC : WA State Attorney General online CC : WA State Consumer Protection Bureau XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
My Debit card is been compromised multiple times over the month, someone is purchasing with my card even right after I activate my card or right after I use it in some stores/grocery near my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenity Bank has continued to call me on a " Restricted '' line that I am unable to block, after having been asked to stop calling me. When I answer, and I do not speak ; they just hang u : p. When I let it roll to voicemail they do not leave a message. They start this process at XXXX XXXX, 7 days a week!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
XXXX account for and account not opened by myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XX/XX/2019 - I submitted a dispute to Equifax in regards to my XXXX XXXX account which was included in my bankruptcy ( signed by a federal judge on XX/XX/2019 ). It continued to reflect 'active ' with an overdue balance of {$1600.00}. All other accounts had been cleared and properly annotated as 'discharged as part of bankruptcy '. The XXXX XXXX account was previously properly updated on XXXX  and XXXX. 

XX/XX/2019 - I finally received an email notifying me that the dispute had been completed. According to the file that I pulled from the Equifax dispute site, Equifax had updated the account to reflect 'Bankruptcy discharged ' with XXXX ' balance and '0 ' payments due. This has still not happened. 

I have applied for beginner level credit cards to attempt to begin rebuilding my credit, but reasons for refusal have included statements such as : " You have recently been past due. '' " Proportion of loan balance to loan amount is too high '' " Number of  accounts with delinquency '' ( which, as of today, is only the XXXX XXXX account )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Braviant Holdings, LLC
State: OH

Complaint narrative:
I have made 4 monthly payment to XXXX XXXX XXXX since XX/XX/2019. For a balance on a defaulted pay day loan currently not legal in Ohio. The debt was never owned by this company. I contacted the originator of the debt Balane credit and they state they have never heard of this company and my debt was sold to XXXX XXXX XXXX and they havent received any payments from XXXX. XXXX never verified the debt and is not a legitimate company stole my money and threatened to sue to and claiming to be compliance officers for the state!!! I want my money back and this company needs to be held accountable for their scams and harassment at home and work place

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My Citibank Thank you reward membership has been hacked three times since XX/XX/XXXX. First time, someone tried to use my reward points for gift cards and i noticed odd activity on my account when I got an email stating I changed my mailing and email address. I was able to dispute the points and was told it would never happen again. 2nd time was XX/XX/XXXX, I got an email about a hotel booking I did not do. I was told the charge was reversed and that for future use of my points, I have to call in through their security system. Then in XX/XX/XXXX, someone transferred XXXX points to an airline. I've changed my password every time this happened and I was guaranteed that this would not happen 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 explanation