vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
Since XXXX of 2020, I have been repeatedly called by Midland Credit from the numbers ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. They are looking for my mother. I have told them that I am not her and to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: AZ

Complaint narrative:
i am requesting the removal of these fraudulent accounts that do not belong to me as i have been a victim of identity theft. please see my attached valid police report and FTC report to support my request. i have also filed a complaint with the CFPB regarding these accounts i have sent the credit bureaus more the enough supporting documents to remove these accounts and they still have not removed them.

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 2020-11-03 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: OR

Complaint narrative:
Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2020-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent 3 different letters to Experian, ( different accounts ) that they signed for on XXXX XXXX2020. Experian only responded to one of my letters, and never responded to the other two. I sent out a failure to respond letter that was delivered to them on XXXX XXXX2020 along with copies of each letter I sent, a copy of the one response they sent and all 3 copies of the certified tracking slips. Ive submitted complaints about how Experian has violated the FCRA by not inputting notice of dispute as well as failing to perform a proper investigation into my disputes. I recently received an updated credit report with no changes! Why were these accounts not handled properly. Experian failed to respond within the allotted time, however they still did not take the proper steps to rectify their mess up! Last time I made a complaint Experian responded they could not look into the situation because they were not sure I was who I claimed to be.

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 2020-11-03 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: AZ

Complaint narrative:
i am requesting the removal of these fraudulent accounts that do not belong to me as i have been a victim of identity theft. please see my attached valid police report and FTC report to support my request. i have also filed a complaint with the CFPB regarding these accounts i have sent the credit bureaus more the enough supporting documents to remove these accounts and they still have not removed them.

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 2020-11-03 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: AZ

Complaint narrative:
i am requesting the removal of these fraudulent accounts that do not belong to me as i have been a victim of identity theft. please see my attached valid police report and FTC report to support my request. i have also filed a complaint with the CFPB regarding these accounts i have sent the credit bureaus more the enough supporting documents to remove these accounts and they still have not removed them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
My identity has been seriously compromised by on line identity theft and it has left me with issues unknown and unauthorized by me. Prior to that my wallet was stolen and reported so this is a recurring issue. The following accounts are an aftermath of the fraud. I'm demanding that the credit reporting agencies remove and block these accounts immediately. 1 ) XXXX  XXXX  XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX  {$96.00} 3 ) XXXX XXXX XXXX XXXX  two charge offs. 4 ) XXXX XXXX XXXX XXXX. 5 ) XXXX XXXX XXXX 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 2020-11-03 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: FL

Complaint narrative:
I am writing because I do not recognize certain items on my credit report. The accounts are listed below. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them. However I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct.

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 2020-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
To whom it may concern my student loans that i paid off show up on my credit file on XX/XX/XXXX but not XX/XX/XXXX or equifax. I would like to be updated so it shows I pay off my things on time and so that my age of credit can be accurate. I also have a XXXX XXXX card of my cousins i am a authorized user on that has still not been updated to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: CA

Complaint narrative:
I contacted US Bank fraud department and they said they couldnt find the account and not to worry about it but I need to make sure that is the case. With the fraud that is happening at the XXXX XXXX I suspect this might be part of 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 2020-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
Good evening, thank you for your time, My credit score has been around 780 - 800 for the past 1-2 years. I had nothing reporting derogatory for the past 5-6 years. All the sudden, I see on my XXXX  XXXX  on XXXX  that paramount collections recovery has report two  delinquent payments, since XXXX of 2020. my credit score dropped by 30 something points. I have not received anything, also do not know what this is for. So assuming this is out of statute at this time. i did email them to remove it, but have not heard from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My bank has been stringing me along for almost 5 months on a refinance. They have cost me quite a bit of money on appraisal fees and lein lift fees and have waited for all documents to expire to then ask me to purchase them again. They request information and documents after they have already become past due. They have caused stress and anxiety in my life along with lack of sleep for 5 months now.

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 2020-11-03 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:
I am writing because I do not recognize certain items on my credit report. The accounts are listed below. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them. However I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct.

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 2020-11-03 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:
I am writing because I do not recognize certain items on my credit report. The accounts are listed below. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them. However I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: LendingUSA
State: MI

Complaint narrative:
On XX/XX/2020 i sent the company a certified debt validation letter. It was received and signed for on XXXX XXXX, 2020. As of XX/XX/2020 i have not received any response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
CMRE FINANCE ... ... ... ... When you've fallen behind on payments and your debt is sent to a collections agency, you can end up with a Derogatory Mark on your credit report. This often causes a pretty big drop in your score. Learn more about accounts in collections. 
CMRE FINANCE I do not know what this is. I keep very close eye on my credit. This dropped my credit by 28 points and still don't know what its for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: WA

Complaint narrative:
Experian is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am requesting the removal of all Fraud Alerts from my credit report. I am trying to buy a car and I can not access my credit file with the Freeze/Alert on it. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX, SS 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 non-monetary relief
Consumer complaint received 2020-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc.
State: CA

Complaint narrative:
I have been in contact with CashApp support over the past few weeks on 2 merchant refunds that were issued by XXXX to an account I had closed back in XX/XX/2020. XXXX XXXX is the issuer of the prepaid debit card in which CashApp calls CashCard. XXXX refunded {$55.00} and {$320.00} to the debit card in XXXX and XX/XX/2020 respectively. 

I was told initially by CashApp that since my account was closed, the refunds would be returned to XXXX. I contacted XXXX last week and was told that the refunds were never returned to them and in most cases the bank will issue a check to my address if the account is closed. CashApp refuses to help me and instead insisted that I verify my identity by providing my $ XXXX from the account that I closed along with other information such as phone number, email address and mailing address associated with the account in which I was able to provide. 

They have also refused to tell me their policies for merchant refunds to a closed account. It would appear my money is inaccessible and CashApp is giving me the runaround. I have notify them that I will be filing a complaint if several solutions in which I have offered is not executed. I can't believe the obstacles I have to jump to verify my identity on a closed account. From a legal perspective, $ XXXX is not a verification criteria. I have provided my full name, mailing address, email address, and phone number along with the last 4 digits of the prepaid card. I would be happy to provide my social security information if needed to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: CA

Complaint narrative:
I have Venmo account that should have over {$1000.00} in. I went to the website to transfer the balance but the website has been deactivated. When I try to log on the phone app it says SERVER ERROR. When it seems that I got on to the app, it doesn't show recent transactions and shows {$0.00} in my account balance. I deleted the app and reloaded it, but that didn't work either! 

I tried to call Venmo but they are not taking calls at this time and no way to leave a message. I filled out the XXXX email request for help and received an automated email reply with suggested articles that DO NOT address the issues. 

What is going on with Venmo? Are they keeping my money? 

Please help me confront Venmo so I can get my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
Have received several scam emails within the last years but most recently received a letter from XXXX XXXX XXXX threatening legal action and fraud due to a NSF that happened over 8 years ago. The amount requested is over 4 times above the original amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lake City Credit
State: GA

Complaint narrative:
I incurred an original debt with XXXX  for financing of furniture dating back to 2012. A company advising name of Lake City Credit has connected my husband several times daily in regards to this debt incurred solely in my name prior to our marriage. Per my credit report the outstanding balance is for a sum of {$3000.00} sum odd, however they are attempting to collect an amount of {$5700.00}. Additionally, he has no obligations to this debt and the representatives have disclosed all information concerning this matter to him. I requested he have correspondence provided to me from this company to validate the debt, yet to receive. Per contact to the original creditor, refferred to a different collection company, whom referred to yet another, none of so would be Lake City. 

Number call originated from XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: ARVEST BANK GROUP, INC.
State: MA

Complaint narrative:
During the pandemic, we put our loan with Arvest Central Mortgage XXXX loan # XXXX XXXX on forbearance. I was told by Arvest this would not effect my credit score. We sell the property XX/XX/2020. Today, I get a message from my bank about my monthly credit score is updated and it shows XXXX. My score usually runs in the 790s. The only negative reflection is Arvest Central Mortgage. I contact them and they can not tell me why. I am waiting for them to a review and remove the negative impact on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
I started a XXXX  and opened a checking account with TCF bank in XXXX. As condition with my XXXX, I opened also a gym membership early in XXXX to mitigate a disease process. My acct number for the bank acct is XXXX. By XXXX, COVID became a central theme for globally. My doctor wrote and ordered isolation as I am an at risk contender. My order was sent in the mail, and submitted to the gym asap in XXXX. Shortly thereafter, the State of Illinois was ordered into a Mandatory Quarantine by the Governor. I learned that the gym through its third party collection company XXXX XXXX, had continued to bill my account causing it to go into negative status with fees from the gym and overdraft fees by the bank in XXXX. It was submitted into Collections in XXXX, but under quarantine, was not monitoring that account. The account number for the gym being XXXX, I called XXXX immediately, who waived all charges in XXXX for an account that was restricted in XXXX and placed into collections. Though the gym attempted to reverse charges after the fact, those reversals took NO EFFECT, as the account was closed and the reversal bounced back/returned to the XXXX XXXX. XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX then admitted that the charges took place and were in error but that I should return to the bank for resolution. I have that email as evidence. Going to the bank and speaking with XXXX a Supervisor with the bank 's XXXX XXXX branch, I was directed to XXXX XXXX XXXX XXXX XXXX and spoke with XXXX, the Supervisor for account XXXX ( XXXX ), who stipulated that XXXX XXXX needed to issue a check for {$310.00}. Today, XXXX XXXX of XXXX XXXX continues to persist that they had a legal right to continue to withdraw my money despite and that it was on me. None of the representatives have since attempted to resolve this matter, and I and my XXXX  has been severely damaged. A {$6.00} XXXX  dollar investment into my XXXX  has been blocked as the account was closed without my knowledge or notice and as a result payments have been burdened by this Force Majeure event which poses the risk of my being liable for {>= $1,000,000} in default payments despite the very real attempt to desposit and make payment into an account in good standing. I need help and restoration. The address for the above account at TCF is XXXX XXXX XXXX XXXX XXXX, IL XXXX The address known by the gym and XXXX is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Since originally filed have been contacted by " XXXX '' a General Manager for the gym who indicated that the prior GM or co-GM failed to freeze the account which caused the recurrent charges and bank fees. As a settlement he offered {$170.00} which is not sufficient. The total is {$310.00} ( more than {$200.00} ) are bank fees to which none of it had been caused by myself and should be either absorbed or forgiven and not paid by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I opened my first credit card account on XXXX as an international  XX/XX/XXXX. I just realized they charged me {$39.00} annual fee for 6 years, for a {$0.00} annual fee credit card. I search online about BOA cash reward or BOA cash reward student DO NOT have annual fee. There is no valid reason for charging me {$39.00} per year for 6 years! If I did not notice this, I guess I'll still be charged the non-existing annual fee. My other friends do not have this problem. 

I noticed I have a {$39.00} annual fee charged on XX/XX/XXXX and I already called BOA on XX/XX/XXXX to waive the fee. What about my previous annual fees? I need my refund for the non-existing fee charged on me. This does not make any sense. BOA " upgraded '' me to BOA cash reward Visa Platinum Plus, not sure what's the difference and seems no extra benefit but at least waive my annual fee!?

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