vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
The company Enhanced Recovery Company has fraudulently and illegally placed their information against my social security number and it's causing great harm to my report. This account is not mine as I have not signed a contract with them or any company they affiliate with. This account is fraudulent and was made without my consent. They have no validation of the debt belonging to me. This is the only thing on my credit profile that's holding me up and it's not my responsibility. Enhanced Recovery Company is a scam and does not care about consumer rights. I am not obligated to pay this account as it's not mine. I will take legal action if this account does not stop reporting against my social security and is removed immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
I sent a PayPal payment to a retail provider in XXXX for an item they had for sale. PayPal had received my request and had put the transfer into " Pending '' status and have not made the funds accessible to the provider. I have not been able ( after many attempts ) to contact PayPal to find out why this payment has been held up. I would like PayPal to release this payment so I can receive my purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: OH

Complaint narrative:
On XX/XX/XXXX I was told that I could make a {$1000.00} dollars and all I needed was to give the person my debit card and pin number. I did so and around XXXX XXXX that morning I had {$990.00} in my account, the person told me to send {$670.00} through apple pay and cash app and that more money would come later. I did so and later that day my XXXX account was locked I called to see what was going on and they did not give me much information just that in a few days they would be able to tell me what was going on. About 5 days later I got a text alert from XXXX stating I was in the negative {$1000.00} dollars. I called up there later that day and they said there was nothing they could do. I called on 3 different occasions hoping to get a different response but each time same result. On XX/XX/XXXX I got a letter in the mail Sunrise Credit Services stating I owe the above balance. Today I was starting a payment plan to pay the debt and a friend who was a victim of the same scam told me that he disputed the debt since he was a victim of fraud, and his bank account was closed and his balance was reset to XXXX. Which I did not know you cold do up until now since I was told there was nothing I could do by representative at 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 2020-06-13 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: FL

Complaint narrative:
This is a complaint against Equifax. It is an emergency and you are part of the solution. What happens to my credit report that I can not access it? No creditor either? I have been trying to find a solution with the special affairs department for a week and they have been very supportive of me but there is no solution. This complaint goes directly to the technical support department and the department that issues the credit reports. This situation has me very stressed, I demand that this problem be solved now. Please look forward to a quick response. Or you are breaking all Credit Reporting Act ( FCRA ) laws, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: EQUIFAX, INC.
State: UT

Complaint narrative:
The company has repeatedly ignored the issue of multiple complaints. See complaint IDs : XXXX XXXX XXXX XXXX XXXX The company was originally provided with all necessary information to verify that I am the account owner, but has refused to allow access to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX ACCESSED MY ACCOUNT XX/XX/2018 See attatched EQUIFAX BREACH NOTIFICATION. WEBSITE NOT ADA ACCESSIBLE TO REPORT. www.Equifaxbreachsettlement.com IS NOT WCAG 2.1 ADA COMPLIANT. 
I have XXXX XXXX XXXX. This site would not set proper dates. I was unable to attatch documents or record data. IT REQUIRED ( hand movements ) no screenreader I have on my XXXX. AM I A ROBOT could not perform MY HANDS UNABLE TO PERFORM I AM ABLE TO SEND DOCUMENTS TO CFPB WEBSITE. I LOST {$8000.00} ON TWO CARDS *XXXX XXXX NO ACCESS *XXXX NO ACCESS. See attatched FTC ID THEFT case XXXX. NO ACCESS TO RESOLVE FRAUD WITH BANKS OR EQUIFAX.CALLED ON PHONE ALSO TO NO AVAIL.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XXXX ALERT XXXX XXXX ACCESSED MY ACCOUNT XX/XX/2018 See attatched XXXX BREACH NOTIFICATION. WEBSITE NOT ADA ACCESSIBLE TO REPORT. XXXX IS NOT WCAG 2.1 ADA COMPLIANT. I have XXXX XXXX XXXX. This site would not set proper dates. I was una ble to attatch documents or record data
. IT REQUIRED ( hand movements ) no screenreader I have on my XXXX. AM I A ROBOT could not perform MY XXXX   UNABLE TO PERFORM I AM ABLE TO SEND DOCUMENTS TO CFPB WEBSITE. I LOST {$8000.00} ON TWO CARDS *XXXX XXXX NO ACCESS *USAA NO  XXXX. See attatched FTC ID THEFT case XXXX. NO ACCESS TO RESOLVE FRAUD WITH BANKS OR XXXX.CALLED ON PHONE ALSO TO NO AVAIL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/XXXX I was told that I could make a {$1000.00} dollars and all I needed was to give the person my debit card and pin number. I did so and around XXXX XXXX that morning I had {$990.00} in my account, the person told me to send {$670.00} through XXXX XXXX and XXXX XXXX and that more money would come later. I did so and later that day my Huntington account was locked I called to see what was going on and they did not give me much information just that in a few days they would be able to tell me what was going on. About 5 days later I got a text alert from Huntington stating I was in the negative {$1000.00} dollars. I called up there later that day and they said there was nothing they could do. I called on 3 different occasions hoping to get a different response but each time same result. On XX/XX/XXXX I got a letter in the mail XXXX XXXX XXXX stating I owe the above balance. Today I was starting a payment plan to pay the debt and a friend who was a victim of the same scam told me that he disputed the debt since he was a victim of fraud, and his bank account was closed and his balance was reset to XXXX. Which I did not know you cold do up until now since I was told there was nothing I could do by representative at Huntington.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/2020 I received a XXXX device and while trying to set it up I was told to call this number and they charged me XXXX to register the XXXX. Then I contacted XXXX because they seemed very suspicious and I was told there is never to be a fee to register my XXXX and this was a scam. I have disputed the charge with my bank and I want to make 100 % sure that my bank refunds 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 2020-06-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ

Complaint narrative:
I have tried my best to avoid for foreclosure did several attempts to work with CARRINGTON MORTGAGE SERVICES I did several modification to see if can get any help with avoid getting foreclosure on my home but keep getting denied every time they never had reason why it was denied.I just receive a letter in the mail from CARRINGTON saying your denied at this time.I called CARRINGTON several times to work something out with them letting know if please do a repayment plans got denied or do forbearance agreement got denied CARRINGTON was just interested in full payment what I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Strategic Alliances, Inc.
State: NV

Complaint narrative:
This collection appeared on my credit report with the three credit bureaus. I NEVER received any correspondence from the collection agency. I do not know what the bill is or regarding what debt. I did not receive any correspondence to dispute the bill. The debt is for {$190.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I had two accounts with synchrony bank jewelry department and was making payments until for some reason in 2013 they stopped cashing my checks I was sending through XXXX XXXX  bill pay. I have contacted them to remove the delinquent report from my account but they were unwilling to remove late payments even though the issue was on their end. I contacted them in may to ask if I could pay the balance and they remove it as I dont dispute the amount is owed. They then began reporting my account as charged off every month dropping my credit score and trying to force me to pay without them adjusting my payment history, which again was because they did not cash my checks. The checks were sent on time and I verified with XXXX XXXX  that they were sent. Just never cashed

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 2020-06-13 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: CITIBANK, N.A.
State: OH

Complaint narrative:
So I had CBNA Best Buy credit card. The card ended up closing in XX/XX/2017 because I was laid off. I have tired contacting CBNA about the matter in order to settle the debt, but everytime I call they can't find me or shows I never had a card with them. I am working to remove negatuve annotations from my credit file and this is adherring me from doing so. I need proper contact information for the company or I need the report off my credit

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 2020-06-13 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
So I had XXXX XXXX XXXX credit card. The card ended up closing in XX/XX/2017 because I was laid off. I have tired contacting XXXX about the matter in order to settle the debt, but everytime I call they can't find me or shows I never had a card with them. I am working to remove negatuve annotations from my credit file and this is adherring me from doing so. I need proper contact information for the company or I need the report off my credit

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 2020-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: OH

Complaint narrative:
The Discover it " SECURED '' card allows access to rebuild credit and establish credit, atleast that is how Disover advertises it. I applied for a " SECURED '' discover and was denied. My income was more than enough, my debt is decreases due to rebuilding credit, & I had MORE than enough money for a hefty deposit, WHICH DISCOVER HOLDS until they feel you are ready for a seucred card. My issue is I got an automatical denial without a manual review of my application and circumstances. The " SECURED '' card is marketed completely wrong and it is very disengenious in its verbiage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
On XX/XX/2020 I received an alert from XXXX of a collection account on my credit report. After opening my report I found out that LVNV Funding LLC has reported this collection of {$250.00}. 
I did not receive any communication from this agency in regards to this account. 
Neither I did any business with the merchant mentioned in the account. I reached out to the collection agency asking them to provide me any validation and they said they do not have any documentation and have not reported any information to the credit Bureau but still wanted me to pay them. I requested them to delete the incorrect information from my credit file but now they have this on other Credit Bureau as well damaging my credit. 
They are using unfair tactics to collect on a account which I don't have any knowledge and haven't provided me with any validation of the debt giving me an opportunity to confirm or dispute the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was Never notified about a insufficient funds check that came back they purposely waited 30 days so I could acquire interest and also generate more fees, this severely impacted my credit as no calls, no sms and no mail was sent to let me know that account was late, tried to resolve it with them and all they told me was too bad deal with it its not our job to tell you to pay your bills, this seems unethical and it seems it was done in the benefit of capita one

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have been with Capital One for over 2 years and started off with a secured credit card. I've been in good standing with these debt collectors and once I requested a credit increase I was denied and never received a letter in the mail for the reasons why. I called the company and the representative was not able to give me any explanations on why I was denied. As the Consumer, I have a right to my credit line and appreciate the violation of my rights ( 15 U.S.C 1692e ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: NV

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$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 XX/XX/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. 

-- CLOSED ACCOUNTS 1. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/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 2020-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have addresses on my credit file that are not mine. I do not live at the following addresses please delete them they are not accurate : XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CT XXXX XXXX XXXX XXXX, XXXX, CT XXXX XXXX XXXX XXXX, XXXX, CT XXXX XXXX XXXX  XXXX, XXXX, FL XXXX I would like to have a new copy of my credit report and opt me out of any and all promo and credit card pre screen ads.

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 2020-06-13 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: NV

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$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 XX/XX/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. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/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