vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I purchased shoes on the XXXX XXXX   through PayPal using my debit ( used as credit ) card One transaction was XXXX and one was XXXX. 

I advised that these were fraudulent charges from a scam account. This account had scammed several others besides myself. PayPal denied it. Saying it was usual. 

. Not from the individual I bought from this time 2. PayPal has buyer rights yet denied mine 3. XXXX labels have been proven fake by a XXXX employee 4. The person I paid us gone cant contact

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: NV

Complaint narrative:
On XX/XX/XXXX I submitted enclosed notarized copy to each credit bureau XXXX, XXXX, Equifax requesting immediate removal of fraudulent accounts reported on my consumer credit report file. 30 + days later these accounts are still reporting to my credit. Surely it doesnt take 30+ days for verification of these accounts all of these accounts were fraudulent opened online. Please do your due diligence and you will see that the original address for all these accounts were a fraudulent address. I had a private investigator to research the address of XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Please see my second request letter enclosed ( attachment ). I'm requesting the credit bureaus either show me proof of a signed credit application where I open these accounts or remove off my credit file immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
My XXXX  account had fraud charges. I alerted the company and even tried to keep up on the charge as to not affect my credit. This has gone on for months and is affecting my credit score. The amount owed is fraud and I really need help having it removed. My account showes a XXXX balance however they continue to call and report passed due amounts. THank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: ID

Complaint narrative:
I opened a store credit card with Macy 's on XX/XX/XXXX. I moved and changed my address in XXXX of XXXX. On XXXX and XXXX of XXXX, I was reported 30 days overdue and 60 days overdue, respectively, on my Macy 's account. I went to the local store and paid the balance when I became aware of this. My Macy 's statements have never been mailed to me at my current address ( the one I changed it to with the post office ). During this time frame, was well within the 12 months of time that USPS forwards mail. I contacted my local post office over the phone and in person to request my change of address confirmation from XX/XX/XXXX. USPS does not keep these records past a year. I inquired whether or not they are archived or if there is a saved email format somewhere, to which I was told there was not. I called Macy XXXXs credit card department and they refused to help me unless I had this documentation, which I explained that I or the post office do not have. My statements were not sent back to Macy 's, which I can only assume that either the post office did not forward those statements to me or that the recipients at my previous address did not return to sender. I called USPS once more to inquire about my change of address confirmation letter and was told the same thing. I have read about many instances in which Macy 's  gives a one time goodwill exception and removes the derogatory mark from the credit history. I am applying for a home loan within the next year and this derogatory mark is the only negative mark on my entire credit history. Due to the fact that my statements never made it to me, I was unaware that a payment was due until I went into the store and inquired about my account. I should not be penalized for this mishap.

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 2019-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have know that I had Identity theft some time in XXXX and I filed a police report on XX/XX/XXXX. I have sent it to Experian 5 times now and they have taken some of the Items off and some remain. They made me fill out a FTC Affidavit which I did and sent to them recently and they took all the items off ( XXXX XXXX XXXX XXXX {$2500.00}, XXXX {$480.00}, XXXX {$480.00} same one 2 times and XXXX {$1300.00} ) I have had cars loans on there and one of the worker let it be know that they know when they let a collection agency put a previously deleted item back on your credit report with a brand new date and account number ... What really. What a bunch of XXXX because they want you to buy their premium services for XXXX a month. This is so wrong I want someone to hammer The Corporations XXXX!!! They have done this to me for years and I could never figure out when I made XXXX a year that my credit was just ok. Please help me this is even worse due to the breach by XXXX in XXXX I was effected again. I still can't get on line with XXXX to this day because of the Identity Theft??? they ask me!!!

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 2019-06-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MARINER FINANCE, LLC
State: CA

Complaint narrative:
I had never heard of Mariner Finance before today when I received a mailing from them stating my " application '' had been denied, and including much incorrect information ... I absolutely never applied for anything from these people, they fraudulently accessed my credit and it needs to be fixed ...

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 2019-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
Google ( 1 ) suspended my payments account without explanation, ( 2 ) cancelled my phone service because they would not accept my payment, and later ( 3 ) took my money in violation of their own suspension rules ( and refused to give it back because of their suspension rules ). 

( 1 ) In XX/XX/2018 Google suspended my Google Pay account with changing justification and no details. Between XXXX and XXXX, they first claimed that I might be a victim of suspicious activity, then they implied I was suspended for potentially '' performing suspicious activity, and then they claimed that my account was going to stay closed due to a violation of their Terms of Service. They requested evidence of my IDs and credit cards to verify my identity ( with changing instructions each time they were requested ), and I provided photos of my drivers license, passport, and both active cards on my account, multiple times. Tangentially the Google Store approved financing for me to purchase a new phone, which they subsequently refused to accept as payment. They have repeatedly communicated that they will not reopen my account, and that they have no obligation to justify their actions nor provide any details nor provide a route to resolution. 

( 2 ) Within two days of my Google Pay account suspension, Google Fi ( was then called XXXX  XXXX  ) notified me of a failure to pay my bill ( due to their inability to accept any payment method except Google Pay ). Despite a monthly billing cycle, my phone service was disconnected in less than a week, with no route to resolution. 

( 3 ) In XXXX, Google Fi charged my credit card in violation of their own policies. Over the next month and another dozen support interactions passed between three teams, one support member acknowledged Google Fis violation of their own Google Pay suspension, but still failed to refund the payment due to that very suspension. No internal accountability to Googles own policies was acknowledged.

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 2019-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ERC
State: GA

Complaint narrative:
The creditor changed the dates of the account to make them more recent. I have had the same cell phone account with att since XXXX but only have 1 copy of a bill from XXXX. XXXX is claiming that I had an account with them from XXXX which is a lie. I had an account with them 1 time in XXXX, which was a shared account with XXXX XXXX. Please search and find that these documents have been changed to collect money. I even sent XXXX photos from XXXX to show accurate depictions of the cellphones I had with XXXX to corralate with the year. The phone I have with XXXX was a XXXX and XXXX XXXX which XXXX did not specify in the document because they know they changed the documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: NV

Complaint narrative:
On XX/XX/XXXX I submitted enclosed notarized copy to each credit bureau XXXX, Transunion, XXXX   requesting immediate removal of fraudulent accounts reported on my consumer credit report file. 30 + days later these accounts are still reporting to my credit. Surely it doesnt take 30+ days for verification of these accounts all of these accounts were fraudulent opened online. Please do your due diligence and you will see that the original address for all these accounts were a fraudulent address. I had a private investigator to research the address of XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Please see my second request letter enclosed ( attachment ). I'm requesting the credit bureaus either show me proof of a signed credit application where I open these accounts or remove off my credit file immediately

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 2019-06-27 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: NV

Complaint narrative:
On XX/XX/XXXX I submitted enclosed notarized copy to each credit bureau Experian, XXXX, XXXX   requesting immediate removal of fraudulent accounts reported on my consumer credit report file. 30 + days later these accounts are still reporting to my credit. Surely it doesnt take 30+ days for verification of these accounts all of these accounts were fraudulent opened online. Please do your due diligence and you will see that the original address for all these accounts were a fraudulent address. I had a private investigator to research the address of XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Please see my second request letter enclosed ( attachment ). I'm requesting the credit bureaus either show me proof of a signed credit application where I open these accounts or remove off my credit file immediately

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 2019-06-27 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX This is the third time I have file a complaint. I am filing a complaint about some addresses that are not accurate on my credit report. My SS is XXXX my XXXX is XXXX. I am trying to make a Home purchase and my credit report is full of errors. 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX 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, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-27 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX This is the third time I have file a complaint. I am filing a complaint about some addresses that are not accurate on my credit report. My SS is XXXX my DOB is XXXX. I am trying to make a Home purchase and my credit report is full of errors. 
XXXX XXXX XXXX, XXXX, OH XXXX 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 XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 2019-06-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
Dear CFPB, Attached you will find my Proof of Claim, Conditional Acceptance for Value served to BAYVIEW Loan Servicing LLC, A Debt Collector, on XX/XX/XXXX certified sent certified mail # XXXX-XXXX-XXXX-XXXX-XXXX. 

In addition, Under my private rights of action and administrative process I want to report that Bayview Loan Servicing LLC has repeatedly ignored and has failed to respond to my Qualified Written  Request ( QWR ) and Dispute of Debt and Validation of Debt Demand Letter dated XX/XX/XXXX sent Certified Mail # XXXX-XXXX-XXXX-XXXX-XXXX. 

I never contracted with BAYVIEW at any capacity and have never had any business relationship verbal or written. The BAYVIEW Account # XXXX corresponding to my property at XXXX XXXX XXXX. 
XXXX CA XXXX was created without my authorization and through identity theft of my personal and private information. 

My Second Notice of Fault in Dishonor and Opportunity to Cure demand letter was served to BAYVIEW on XX/XX/XXXX Certified Mail # XXXX-XXXX-XXXX-XXXX-XXXX My Third Notice of Default in Dishonor Discharge of Obligation to Pay Instrument was served to BAYVIEW on XX/XX/XXXX sent Certified Mail # XXXX-XXXX-XXXX-XXXX-XXXX. 

Finally, my Notarized Affidavit of Non Response was also served to BAYVIEW sent Certified Mail # XXXX-XXXX-XXXX-XXXX-XXXX. 

As of today, BAYVIEW has not responded to my Proof of Claim and Conditional Acceptance, Qualified Written Request and Validation of Debt, Fault in Dishonor and Opportunity, Notice of Default in Dishonor Discharge of Obligation to Pay demand letters. 

Attached please find the above mentioned demand letters and notices for your confirmation and records. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
HSBC offered me a line of credit and a credit card. I applied and received a XXXX line. I can not get information on my account. My credit score was affected and I am unable to access this line of credit. I never received checks, or a card or anything from HSBC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
For the last 2 plus years, I have not received a copy of my monthly billing statement nor have I been afforded the proper application of my monies I paid to this account. There is a huge discrepancy with my auto loan payments and I have also asked for the total amounts of interest paid since loan inception which began in XX/XX/2016 to current and the presidents office in Texas as well as the auto loan office in California failed to send me accurate account of my loan as last year it stated I paid over XXXX dollars and now my online account states I have only paid slightly over XXXX. They will not release my total payments towards principal vs interest for the years 2016 to current on their letterhead although I was informed it was mailed. I need this document as well for tax purposes. Additionally they are not reporting my account balance monthly to the credit bureau, I have spoke with Capital one on this as well, and no one seems to know how my payments are being applied, it is a simple interest loan and thats about all i get. if you look at my ledger, if i pay early they take a huge chunk of my payment and apply to interest, but if i pay post my due date which is the XXXX of the month, they apply a good amount towards principal and less towards interest. Doesnt add up and no one is talking. I advised if i do not receive my billing statements for the last 2 plus years, as i have called and msg them constantly and nothing. i also have been blocked from msg them inhouse as well as looking at my statements online and nothing received by mail. they have blocked me out of my account and play XXXX as nothing is going on with my account, with me having a prior background in banking and financials i know this is a bunch of malarkey. I advised if i do not receive a statement, no more monies will be paid to this account as i only purchased the vehicle for XXXX and i was to have a gap policy of XXXX added to the account but that is even wrong. I am done. I want all of my documents and fyi this started from the beginning in XX/XX/2016 where they refused to send the dealership and myself a copy of my loan terms and payment slips or information on how i was to pay after having the car 1 month. i have only missed a few payments the 2nd year of having car due to furlough but i caught up and paid in advance in lump sums so nothing is adding up and need your assistance as i am no longer talking to this lender it is pointless. Lastly, they refused to send me a copy of my title as well last year so that I could register my car this is how dirty these ppl operate and just like i paid off my cc, i know my car is paid for, how am i paying XXXX more than what i bought the car for its a XXXX car, payments XXXX have had already 3.5 years, not behind in payments, but you still saying i owe XXXX smh.the math even with the interest doesnt add up

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: CT

Complaint narrative:
This past Friday XXXX XX/XX/2019 I got a call from loan company Santandar consumer USA, that i needed to pay this amount since i couldn't pay the whole thing. I agreed to pay XXXX That same day I got a letter in the mail for repossession on XXXX XX/XX/2019. I just got off the phone with speaking with the representative that same day and hear comes a letter that followed for repossession. I tried to talk to them, but I dont what happened, I also agreed to work with them as well to get this issue resolved. That same night they reported my loan to the credit bureau for being late here.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have know that I had Identity theft some time in XXXX and I filed a police report on XX/XX/XXXX. I have sent it to XXXX  5 times now and they have taken some of the Items off and some remain. They made me fill out a FTC Affidavit which I did and sent to them recently and they took all the items off ( XXXX XXXX XXXX XXXX {$2500.00}, XXXX {$480.00}, XXXX {$480.00} same one 2 times and XXXX {$1300.00} ) I have had cars loans on there and one of the worker let it be know that they know when they let a collection agency put a previously deleted item back on your credit report with a brand new date and account number ... What really. What a bunch of XXXX   because they want you to buy their premium services for XXXX a month. This is so wrong I want someone to hammer The Corporations XXXX!!! They have done this to me for years and I could never figure out when I made XXXX a year that my credit was just ok. Please help me this is even worse due to the breach by Equifax in XXXX I was effected again. I still can't get on line with Equifax to this day because of the Identity Theft??? they ask me!!!

Company response to consumer: Closed with explanation