vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-17 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: AZ

Complaint narrative:
I have several accounts that were absolved by my discharged BK and the credit company has not removed the tradelines even after multiple attempts to dispute them. The discharged rental debt still showed and as a result I have had to pay more in deposits for renting an apartment. 

It has also caused for auto denials stating that they are still able to see debts that should no longer be there. 

Furthermore my student loans were consolidated years ago and those tradelines have not been removed well past the statute date.

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 2020-04-17 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: AZ

Complaint narrative:
I have several accounts that were absolved by my discharged BK and the credit company has not removed the tradelines even after multiple attempts to dispute them. The discharged rental debt still showed and as a result I have had to pay more in deposits for renting an apartment. 

It has also caused for auto denials stating that they are still able to see debts that should no longer be there. 

Furthermore my student loans were consolidated years ago and those tradelines have not been removed well past the statute date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XXXX  XXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- INSTALLMENT LOAN -- 1. XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$0.00} -This is not my account.

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 2020-04-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CCS Financial Services, Inc.
State: MO

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986,  s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/20, I submitted an unauthorized transaction request to PayPal for transactions totaling {$1800.00}. I was given the generic message that they would investigate and I would hear back within 10 days. Much to my surprise, I received an email approximately 4 hours later telling me my claim was denied. According to PayPal, this was due to the transactions being 'consistent with [ my ] PayPal payment history ', which is not the case. I use PayPal sparingly and I haven't used it for anywhere near that amount. The most I have spent via PayPal has been approximately {$300.00} USD, ( this amount is approximate due to the purchase being in XXXX XXXX and currency exchange ), and the rest of my transactions have been under {$100.00}. I would like a refund. Dispute Case ID : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: NCB Management Services Inc.
State: CA

Complaint narrative:
I have disputed account on my credit report held by : NCB MANAGEMENT XXXX XXXX on several different occasions. Credit bureaus keeps sending back verification without information as to who they got information from within debt collection agency. They state they will not reinvestigate conflicting information on my credit report I disputed reporting information XX/XX/2019 and XX/XX/2019 Account is being double reported against laws FCRA. There is also conflicting reporting of balance owed. Account was also changed from paid in full to charge off status in XX/XX/2019. I was never sent a re-insertion letter from this status change.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I applied to the Paycheck Protection Program Loan with Bank of America on the very first day it was available. I met all their criteria : current business client prior to XX/XX/XXXX ( Ive been a business client since XX/XX/XXXX ), have a current lending relationship ( I have two lending accountsa credit card and a business auto loan ), and am XXXX XXXX XXXXr with less than 500 employees. 

I uploaded all required documents to their XXXX web portal, submitted all questionnaires, and waited for nothing as the PPP funds dried up. I was very timely in my application and submitted everything that was asked. I have yet to hear a response either in email, phone call, text, mail. Nothing. Yet Bank of America was able to process wealthier bigger clients who applied later than me. And now the PPP funds are depleted and I still have yet to hear anything from BoA.

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 2020-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have tried every 60 days sending letters to credit bureaus to update information correctly because its reporting wrong on the bureaus. Last time I spoke with XXXX XXXX was XX/XX/XXXX. This acct has not been updated and last update was on XX/XX/XXXX showing a balance of XXXX which is incorrect payment have been made each month.

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 2020-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have tried every 60 days sending letters to credit bureaus to update information correctly because its reporting wrong on the bureaus. Last time I spoke with XXXX XXXX was XX/XX/XXXX. This acct has not been updated and last update was on XX/XX/XXXX showing a balance of XXXX which is incorrect payment have been made each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have tried every 60 days sending letters to credit bureaus to update information correctly because its reporting wrong on the bureaus. Last time I spoke with XXXX XXXX  was XX/XX/XXXX. This acct has not been updated and last update was on XX/XX/XXXX showing a balance of XXXX which is incorrect payment have been made each month.

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 2020-04-17 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: OH

Complaint narrative:
My name is XXXX XXXX XXXX please remove/delete any other variations of my name : XXXX, XXXX XXXX, XXXX XXXX. I have a few fraudulent account that are on my credit file from companies that I have never done business with. I have several fraudulent addresses on my credit report never lived at the following address : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have several numbers on my file the do not belong to me please delete these unknown numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX theses are the fraudulent account that I have requested legal documentations and have yet to receive anything back, please delete the following account XXXX # XXXX, XXXX XXXX XXXX, XXXX # XXXX, XXXX # XXXX , XXXX # XXXX, XXXX XXXX  XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: NE

Complaint narrative:
I was receiving multiple calls from a number I did not recognize, which turned out to be CBE groups, a collections agency trying to contact me. Knowing I had nothing in collections and nothing reporting to the CRA I answered one of their calls on XX/XX/XXXX only to receive a dead air call. I called them back and was immediately read my mini-miranda. After giving the rep my phone, name, and social security number and current address, which I have resided at since moving back from XXXX in XXXX, the rep kept stating I owed a debt but would not give me info as to who the original debtor was because I didn't have the correct address, so I did a cease and desist to stop all calls. They later started to contact my family, so I contacted them again on XX/XX/XXXX to do a cease and desist on all calls that have to do with their account due to lack of information. However, after extensive research and due to not receiving a validation of debt letter within 5 days of speaking with me I did not feel comfortable with how the reps were responding to the situation. I called once again on XX/XX/XXXX to ask for their address so I can not only send a written cease and desist letter but a validation of debt letter as well. However the rep disconnected the call. I called back immediately and the second rep started to argue with me that I did not need to know their address, after 6 minutes of arguing the rep gave me the address of XXXX XXXX XXXX XXXX XXXX, IA XXXX which is a different address to the one on their website which is XXXX XXXX XXXX XXXX, IA XXXX. On XX/XX/XXXX I sent out a cease and desist letter as well as a request of validation of debt letter via certified mail with tracking number to both addresses. The XXXX address signed for it on XX/XX/XXXX and the XXXX XXXX address signed for it on XX/XX/XXXX. It has now reached the 30 day period normally given to receive a response for the information requested as well as a letter stating they have received my cease and desist letters. I would just like the collections agency to return both verification that they have put my phone and family members phones on a cease and desist and I would like a validation of debt letter sent to me, so I don't have to worry about them in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
My balance in my gold rewards checking account has reached the next tier of platinum, wish to be upgraded. Per terms and conditions of my account.

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 2020-04-17 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: MN

Complaint narrative:
The following account with XXXX XXXX : XXXX is a fraudulent and unauthorized account. I did not apply for the account. The account was opened up fraudulently. The account is not my account.

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 2020-04-17 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: MN

Complaint narrative:
The following account with XXXX XXXX : XXXX is a fraudulent and unauthorized account. I did not apply for the account. The account was opened up fraudulently. The account is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I have pulled all three credit reports and on my XXXX  and XXXX  report this company is listed as a collection for Medical Data Systems , Inc . I have disputed this item numerous times via different channels including but not limited to XXXX XXXX, XXXX and XXXX. The item just keeps saying it was verified. I have asked for proof numerous times to no avail. All I've gotten are remarks added to my credit report saying updated and verified. I want to see proof, a signature of mine, or something stating this particular account infact belongs to me. Otherwise it should be deleted from all bureaus that it's reporting to. With all the contact attempts made I have yet to have been shown proof that this account is mine.

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 2020-04-17 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: OR

Complaint narrative:
I buy and sell items on XXXX and use PayPal as my virtual wallet for transactions. I have used this account for about 10 years and it has been in good standing the entire time and is still in good standing. Recently, I had some transactions on XXXX that were normal transactions and Paypal randomly decided to restrict my account without warning holding {$1200.00} in funds in my wallet hostage. Paypal will not give me any explanation as to why the funds have been stolen by Paypal and refuses to allow me to withdraw my funds. 

I have provided all information requested by Paypal but they refuse to respond to me through all available channels. I am attach a printout of all of the ridiculous documentation Paypal keeps asking for that has been provided. There are about 20 documents they have requested at this point, all of which they already had prior to their requests so they were second requests for documents they already had. 

Paypal has stolen my money and will not release it to me. Paypal knows that I am a long time customer and that this is normal activity. 

When I call PayPal they are using COVID-19 as an excuse not to provide customer service but they conveniently have enough people to staff stealing my money yet none to respond to me and fix the issue. It is sad that Paypal is using the death of Americans to make a profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
During the Equifax data breach of XXXX, that became public knowledge in XXXX. I submitted a claim to have either a claim check for {$120.00} sent to me, or a year of free credit monitoring. Naturally, i opted for the {$120.00} check, however i never recieved that check, nor did they monitor my credit. 
Attached below is my claim documents, including date submitted. 
Im asking for 3 things : 1. A check for {$120.00} sent to my current address Recently, i have been trying to purchase a vehicle, however i cant get financing because inaccurate information-which if Equifax was doing their job could have prevented-on credit report, every lending agency has turned me down. Therefore ... 

2. I want these items removed from report immediately : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX  ( I, along with my mother who was the co-signer, called XXXX XXXX  several times to try to set up payment arraignments. Each and every customer service representative was extremely rude and unprofessional and stated that no payment arraignments would be made and they wanted the remaining balance of loan to be paid IN FULL or they were going to reposses the vehicle. As a last ditch effort and a show of good faith, my mother and i sent checks to pay on loan. The checks were immediately sent back. Both my mother and i made every attempt to bring that car loan back in good standing, and was rejected everytime. ) 3. In lieu of {$120.00} check, i will accept as a satisfactory resolution, the deletion of those 2 items from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Around XXXX  XX/XX/2020 I looked up interest rates at wells fargo who holds my mortgage and saw the rates for a refi 15 year 2.50 % - 2.645 apr my current rate 3.75 % so I felt it was worth it. I get quoted a totally different rate over 4 % in my application so confused i reached out and I was told i recieved this rate because my credit score was below 700 which was not true and I stated such All my scores were well above 700 So I then to complain in writing and after sending in a complaint and have gotten no response

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