vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-03 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

Complaint narrative:
PayPal have " permanently closed my account '' for absolute no reason atall despite MULTIPLE times asking them how, why etc. As you probably have received this email MULTIPLE times, it is the same issue! I had over XXXX saved up from my LEGITMATE website and they are now holding all funs for " 180 '' days. There are so many other websites offering the same products and taking the same payment methods.. PAYPAL. Why me? I have had all my images created by a designer with no copyright issues etc, never had any complaints or refunds filed etc so there was no reason whatsoever. My email linked to the PayPal is XXXX I have bills, rent, cars and human needs to pay! They do not care, I am going to fall behind financially on alot of bills as I rely on PayPal for a source of income during XXXX. 

Please help me! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management
State: GA

Complaint narrative:
The company Plaza Services is reporting an account that was discharged to me being a victim of identity theft. I have the police report that was filed and the Federal Trade Commission report Affidavit attached as my proof and record to have this erroneous information deleted as soon as possible. The creditor is listed as XXXX XXXX. This file was resolved almost over 2 years ago.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I tried to send letter to transuion to remove unauthorized inquires on my credit report. only inquires should be on my credit is actually credit that is open/accounts.

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 2021-05-03 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
On XXXX XXXX, LVNV FUNDING LLC added a derogatory mark on my credit report per XXXX XXXX. Upon, futher research, this account was transferred/sold and I an no longer responsible for this account. Debtor 's creditor did not verify this collection. Also there was No written form of communication, contract, or signature for this accused debt at all. A bill without a signature does noot validate the debt and anybody can send a bill. and say its mines. According to the FCRA LVNV FUNDING LLC has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have an old credit card with Navy Federal Credit Union, it was closed on XX/XX/XXXX. On XX/XX/XXXX, Navy Federal made an unauthorized and fraudulent payment on the account, just 10 days prior to the end of the Texas Statute of Limitations in order to extend the length of enforced collection on the account. 

I did NOT and would NOT have made a payment nor did I authorize such a payment! This is blatant fraud on behalf of Navy Federal Credit Union. I demand immediate action, this is a fraudulent and unauthorized payment with malicious intent. 

This is blatant fraud for the purposes of predatory collection. 

Furthermore, I demand action be taken against Navy Federal for their predatory action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: ID

Complaint narrative:
I opened an account with Cryto.com on XX/XX/XXXX, I made 2 deposits totaling {$900.00}, I also made 3 purchase. Then today I was notified that my account was deleted and no refund was due. Ive contacted them and they said that due to their terms and conditions they did not need to give me a reason for this. I would certainly like my money back

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 2021-05-03 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: TX

Complaint narrative:
Equifax keeps dropping my credit score without any reported delinquent accounts. From last month to this month it dropped XXXX points. I am the consumer who originally reported Equifax and their Data Breach, in XX/XX/2017. So either one of two things could be occuring with the false credit score reporting. One it is retaliation for my reporting or two someone is abusing their authority for political purposes in credit score reporting. Either way im being negatively targeted and negatively affected by Equifax and employees. I demand immediate remedy of my credit score across the spectrum of the three bureaus and action against my perpetrators.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Placement Services, LLC
State: AZ

Complaint narrative:
I was XXXX in XXXX of 2018. The hospital ( admittedly XXXX incorrectly filed the claim. I've contacted the insurance company who has provided me proof in a " Statement of Benefits '' that I do not owe {$37000.00}. The hospital has confirmed that this debt is not valid and that they made an accounting error. This is STILL reflecting on my credit report and the collection agency refuses to acknowledge or communicate with the hospital to remove this from my credit report. The hospital just has to correctly send the bill to the insurance company. I'm attaching the statement of benefits that my insurance company provided me proving that I only was obligated to pay {$250.00}. XXXX sent another collection to XXXX XXXX and XXXX in the amount of {$1500.00}. I paid {$770.00} to settle this debt. I only owed the {$150.00} copay for the XXXX XXXX  visit and the {$250.00} copay for the XXXX stay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I tried to send letter to XXXX to remove unauthorized inquires on my credit report. only inquires should be on my credit is actually credit that is open/accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I tried to send letter to XXXX to remove unauthorized inquires on my credit report. only inquires should be on my credit is actually credit that is open/accounts.

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 2021-05-03 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: CA

Complaint narrative:
Experian has been a nightmare experience I wish people, in general, did not have to deal with them at all. The first issue is the " credit boost '' feature. At first, it does work as advertised but after a while it stops working, they made it difficult to update or add bills to the boost feature that hardly ever worked. If you don't update your bills in a timely manner you have to start all over again, I tried to reach customer service numerous times and they were no help they didn't listen to the issues that were stated and or I would receive automated replies that had nothing to do with trying to add utility bills to boost my credit score. The other issue with the boost feature and what they don't tell you is, in the long run, it negatively harms your credit, once you put in your information everything is opened up and falsely indicated that I was late on my bills when I was current. I found this out when I spoke to a Banking lender trying to get a house loan and Experian XXXX XXXX XXXX' as she mentioned is not a legit nor a good way to boost your credit it may temporarily boost it but it does more harm than good. I stopped using XXXX  months ago last year ( 2020 XXXX and Experian is just now removing all the accounts that I added although I haven't used XXXXt in well over a year. I highly recommend not get the XXXX feature it is misleading. 

And finally, my overall experience with Experian is what I like to call bait and switch Experian is the only credit bureau that drops my credit score by XXXX points, then adds XXXX points all in the same day. I keep my credit cards below 10 % utilization, I only have one loan on file that is almost paid off and has been paid off on time for the past four years. It's an XXXX loan. I understand that if I don't pay my credit cards down or use them to the XXXX that impacts my score. The issue is Experian consistently manipulates my credit scores without cause. What doesn't make sense is that if you make your payments on time, and do everything you're supposed to but your credit score could be dropped at any time for no reason is not right. Experian keeps dropping my scores without good reason and it's hurting my chances of getting a house loan and I'm tired of being under the mercy of credit Bureaus that are able to manipulate your scores at any given time and they need to be investigated. I can offer to allow access to my Experian account if need 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 explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Federal Student Loan Doc Prep LLC
State: NC

Complaint narrative:
I contacted XXXX  on XX/XX/XXXX to check in and inquire about the Income-Driven Repayment plan for my Federal Student Loans and if there were any changes due to Covid-19. During the call I was quickly encouraged to initiate a loan consolidation now before payments were required in XXXX. I was told my Income-Driven Repayment would be continued and Student Loan Forgiveness was discussed. I was required to pay {$390.00} to initiate the consolidation and would receive documents in 5-7 days that would require me to send back 2 paystubs, plus provide two references. The {$390.00} charged to my XXXX  account on XX/XX/XXXX. The agent stated that based on my income I could expect my payment to be $ XXXX beginning in XX/XX/XXXX. 

I received the document packet and instead of " XXXX '' on the folder and return address it was " Federal Student Loan Doc Prep ''. I assumed this was a third party that XXXX worked with, so completed and submitted. Then on XX/XX/XXXX I received a letter from XXXX XXXX XXXX  '' in regards to the Consolidation Loan Details. This letter mentions that the Income-Driven Repayment information was not received to determine if I qualified, and suggested I visit my account. I then tried logging into my XXXX account and my username was not correct. I attempted the XXXX XXXX website and the recovery email was not my email, but was similar. Everything was feeling unusual now about the entire process, so I decided to contact XXXX  by phone again on Monday XXXX today XXXX, XX/XX/XXXX. 

Today when I spoke with XXXX, I was informed that there are NO FEES to consolidate a Federal Student Loan. She said I must have been working with a third party, but I had only contacted XXXX. Somehow, Federal Student Loan Doc Prep had intercepted the incoming call that I made to XXXX I have contacted my bank and blocked Federal Student Loan Doc Prep from charging to my account again, and contacted XXXX XXXX to cancel the consolidation all together. Everytime XXXX attempt to call the Federal Student Loan Doc Prep number it goes to a voicemail. 

The XXXX agent today told me that my Income-Driven Repayment does not even need recertified until XX/XX/XXXX. The XXXX  agent reset my account and added an additional password security. I'm not sure if the {$390.00} will be refunded, but I did file a fraud claim with the bank. The part of this that is so unnerving is that thought I was speaking with XXXX -- so trying to figure out how a third party became involved is confusing. Plus the fact the company created a new XXXX account without my knowledge. I'm flustered with myself for not being more diligent in vetting!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I recenlty checked my credit report and noticed several fraud accounts. XXXX is a fraud account. I have called this company to report fraud and no actions has been taken,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Hello, My name is, XXXX XXXX, This is for account number ; XXXX I had spoken with a translator regarding a suspension of check payment that was scheduled on XX/XX/XXXX & it was confirmed with the representative that the suspension was a success. However, that information of confirmation was incorrect due to the fact that the payment had been taken out, I have severely been financially penalized due to the COVID-19 pandemic & was unfortunately unable to have the payment taken out on the date given. I had given a call to the manager of the branch I usually go to & I was told that refund of my funds are not available. I find it very unprofessional that I was told the suspension would be a success & disappointing that the promise made to me was a dissembling fib. Im very affected by this action & I need this money returned to me. This was issued on XX/XX/XXXX in the amount of XXXX. I also need to dispute another check for the amount of XXXX. That one has not been sent out yet but I need that check suspended as well. I look forward to receiving your response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I received a collection notice from XXXX XXXX XXXX claiming I owe {$36.00} to XXXX XXXX XXXX company. On XX/XX/XXXX I called the debt collector and made them aware that I never signed to renew a renters insurance. That in XXXX of the prior year I paid in full for a year insurance policy and it expired the end of XXXX, without me signing up for a new policy. The rep from XXXX told me I had made a payment of around {$140.00} of XXXX of this year. To make an Argument that I renewed. I made It clear I didnt do any such thing. And requested prove of debt. 
On XXXX the XXXX of XXXX I called and spoke with an XXXX agent @ XXXX  XXXX XXXX who managed this insurance for XXXX XXXX and let her know about the issue. She said my card that was on file was automatically billed in XXXX and the bank declined it. I made it clear that I did not want to reinstall as she wanted me to that I did not renew. 
On XX/XX/XXXX I received from XXXX what was supposed to be prove of debt. What I received was a bill for {$36.00}. I call CCS credit collection at around XXXX XXXX to try to explain that I need prove of debt. That I can write a bill right now and send it to whoever I want it doesnt make it a debt owed. I asked for papers showing consent to automatically renew my policy or papers showing that signed to renew my policy.which would prove debt. She argued with me stating the bill is all the prove they need to continue collections. Then hung up on me. 
I would like to be clear that I never even knew that XXXX XXXX  billed my card in XXXX until I received my collection notice!!! 
A collection shows up on my credit report. To be sent to collections without prior notice is immoral. To continue to be collected on without proving any prove other than XXXXXXXX XXXX  says I owe it is illegal as far as I know. 
What XXXX  and XXXX XXXX are doing in my opinion are forcing people to pay debts without prove of debt to save their credit. 
This {$36.00} will be probably be paid by me to save further damage to my report. And will probably cause massive time and effort to remove what may have already been placed on my credit. No matter the amount of debt a person has the right to see actual prove of debt before being taken to a collection agency and after being taken to one it is no longer that they deserve it, it is the law to proved prove of debt before forcing people to pay it, or ruining their credit. 

XXXX XXXX phone XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial XXXX  and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/2021 my XXXX XXXX XXXX card was closed without any notification from the company. I would have expected something in the US Mail or at the very least an email. Especially as I have multiple store cards with Synchrony Bank. 

I called the company on XX/XX/2021 to reopen the account and they said this could not be done and that I would need to open a brand new account. Doing this would negatively impact my credit as it would be considered a " hard pull '' of my credit. 

The card had a zero balance and was in excellent standing. And now this closure now negatively impacts my credit as it has affected my score due to the my balances and overall credit history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I noticed a {$100.00} credit to my XXXX account # XXXX on XX/XX/21, a transfer from my account at Wells Fargo # XXXX. The only problem is that I was unaware of having this Wells Fargo account until I saw the XXXX transaction, which I did not affect. My legitimate account Wells Fargo is # XXXX, which is also connected to my XXXX 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 2021-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IA

Complaint narrative:
I noticed a collection account on my credit report from LVNV Funding LLC, about a {$1100.00} debt I never new existed ( because I never borrowed that money ). The debt was XX/XX/XXXX from XXXX XXXX Bank. It was reported to the collection bureau on XX/XX/XXXX, which negatively impacted my XXXX credit score. However, to this day, this collection is not showing up on my XXXX or XXXX credit reports, or anywhere else that I can tell. I suspected fraud from day 1. So, I contacted both LVNV Funding ( the collection agency ) et XXXX XXXX Bank ( the Supposed lander ). Neither has my information on record. They could not tell me anything about this loan that I supposedly took, or the collection. That's when I contacted XXXX, who let me know that they were going to start an investigation, but also advised me to file a report with FTC. This is how I got here.

Company response to consumer: Closed with explanation