vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Currently dealing with the seller on XXXX for XXXX $ + for not receiving the item as he is not responding I opened a case and am disputing that on there but I was promised the item from the supplier that it would be shipped if I paid for the sellers price to ship the item in the amount of XXXX $ USD. At first they wanted me to pay XXXX $ but I explained how I already sent XXXX $ for the item over PayPal/XXXX. The next day the supplier company contacted me and said that they got in contact with the seller and were going to wait 3 days for him to make a payment yet they have not and refuse to refund the amount of XXXX $ as they refuse to have the item shipped between the seller and supplier company they claim to be it is a ver elaborate scam and it has been an ongoing back and fourth conversation between me and the supplier company as the person who sold me the item will not return my messages. 
Also attached is the conversation in email. U have to read bottom to top this has all taken place XX/XX/XXXX to XXXX and still on going the item was purchased XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pacific Retrieval LLC
State: CA

Complaint narrative:
Hello, I have purchased a vehicle for the total of {$500.00} my car stop running in front of a XX/XX/XXXX in XXXX XXXX. This happen about five months ago. About a week after my car was towed i received a letter from the tow company names XXXX XXXX and XXXX. They stated mt bill and recommended me to come pick up the vehicle. I went the the company and picked up my belongings and informed the company i couldn't afford a bill at the amount that they were asking for. I ask if i could get my belongings. They let me get my belonging and informed me the vehicle would be sold. Today date is XX/XX/XXXX. I'm receiving a letter from a collection agency stating i own {$2900.00} due to the vehicle that wasn't release from the tow yard. I called the tow yard and ask them why wasn't I informed that i would still have to pay regardless if i left the car onsite. The company stated i was sent a lien packet. I never received a lien packet regarding my car. I feel like i was scammed into thinking my car would just be sold. Instead i am being charge a daily fee that i was unaware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm having trouble getting someone on the phone at the credit bureaus to remove the fraud alert from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
This is for Chrysler Capital Financial on actually 2 different loans one was a lease and one was a loan. The first for the lease is they over charged us when we turned in our lease in XX/XX/2020 and were sending out a refund of {$370.00}. It took them until the very end of XXXX and several phone calls later to get the refund in the form of a debit card from Chrysler Capital, and they deducted {$150.00} for excise tax for the entire year of 2020. We turned the lease in XXXX the tax should have been {$9.00} but they refused to ask the town for an abatement for the year. We could not do this because it was a lease. The vehicle we turned our lease in for in XX/XX/2020 was totaled on XX/XX/2020. The at fault party 's insurance called twice for a pay off once in the beginning of XXXX then again on XX/XX/XXXX because the first one expired on XX/XX/XXXX and they did not meet that deadline. During this time we had made 2 payments and also had a refund credited to our account because we were able to cancel the extended warranty. The insurance paid the full payoff amount to Chrysler and now they are saying we owe {$3000.00}. They reversed the payments that we made ( they have already cashed and received the money for ) and charging us late fees and interest. Both these loans are also still on our credit and have had no recent reporting. This company currently holds an F rating with the better business bureau and should be investigated for fraud and abuse. These loans should be closed and paid in full at this point. We have called several times spoken with all different departments and there is always a different answer. As it stands now it is in review with their accountant department. What concerns me is how many people don't catch these things? how many innocent people are being robbed by this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I've been trying to contact the credit bureaus and remove the fraud alert from my credit file.

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 2020-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I've been trying to contact the credit bureaus and remove the fraud alert from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : DPT EDXXXX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
Last month, when I was trying to apply for an SBA loan, I realized that CMRE Financial Services reported a collection matter on my credit report. I contacted them and provided them with proof of payment ( cancelled checks ) of the amount XXXX XXXX XXXX XXXX XXXX billed me for ( the amount my insurance did not cover ). I made numerous calls subsequently to follow up with CMRE. Today, I called again, three times. Each phone call ended up with the employee hanging up on me when I asked them to provide proof that I in fact owe this money. Instead of agreeing to provide proof of the money they claim I owed, I was told to contact my insurance company to ask them why they did not cover the amount they claim I owed. When I tried to explain that it's not the insurance company that's trying to collect from me, and that I needed proof that I indeed owed {$1000.00} to the hospital, I was hung up on. ( I will admit that I was not patient with the first customer service representative, but I was with the second and third one, and yet they both hung up on me when I did not accept their answer that I should contact my insurance company. ) This collection matter has ruined my credit and my chances to obtain an SBA loan during these challenging times due to COVID-19, and I need to get to the bottom of this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I write to dispute {$32.00} in late charges ( fees and interest ) that Department Stores National Bank, as issuer of my Macys American Express Card, ending in XXXX, assessed against me in XX/XX/2020. 

I opened the card in question on or about XX/XX/2020 and made one charge on that date. My wife paid the corresponding XXXX invoice in full. She mailed the check on or before the due date but, according to the issuer, the payment was not received until a few days later. For that minor delay, the issuer imposed {$32.00} in late charges on an invoice of {$150.00} a penalty of nearly 21 % for a bill that was paid in full. 

I attempted on numerous occasions to communicate with the issuer, by phone and by e-mail, without success. My e-mails have not been returned. And my phone calls resulted in recorded messages saying that no representatives were available and either asking me to call back at a different time or providing unacceptably long hold/wait times. 

Because my efforts to reach a human being were not successful, and to avoid the assessment of further penalties, I paid the late charges under protest, while continuing to request that the charges be removed and the amount I had now paid credited back to me. I have received no response, despite the passage of multiple weeks. 

As a result, I have sent a letter to the issuer, bearing today 's date, directing it to cancel my card immediately. I also advised the issuer that I would be filing a complaint with this Bureau. 

I request two forms of relief : ( 1 ) credit in full for all fees and interest charged in or after XX/XX/2020 ; and ( 2 ) immediate cancellation of the disputed card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm having trouble getting someone on the phone at the credit bureaus to remove the fraud alert from my credit file.

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 2020-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
I received a Covid19 payment due to the pandemic we are experiencing ; I did a mobile deposit of my check, the check posted to my account ; however, the bank won't make my funds available stating that I and my husband need to come into the bank. I tried to explain that due to the pandemic, my husband age and his health condition, neither he nor I will be coming into the bank. The funds is guaranteed since they come directly from the president of the United States and the government it self, the funds have already cleared so why won't they release my funds so that I may take care of my business affairs. This is wrong, unfair, and plan inhumane! 
This care stimulus check was deposited on XX/XX/2020 I have called the bank on several occasion but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: CA

Complaint narrative:
My 3 credit bureau reports show a collection account in the amount of {$6700.00} from Capital Accounts LLC, on behalf of XXXX XXXX  XXXX XXXX XXXX XXXX opened collection date of XX/XX/XXXX, for work performed XXXX XX/XX/XXXX ( Exhibit 1 ). 

I have disputed this with all 3 bureaus. I called the collection agency and explained I never had this work done. I had some minor work done and paid. The collection company then sent me a detailed invoice and told me. " see you do owe this, and have a moral obligation to pay it ''. I explained ( again ) that the work listed on the invoice was never performed by XXXX XXXX XXXX, the fees were too expensive. I found a different XXXX  that accepted XXXX and that I could afford, and had those XXXX XXXX  fixed in XX/XX/XXXX. I sent the proof ( Exhibit 2 ) that the XXXX  were repaired at a different XXXX, and asked collection rep why would I get the same work performed a couple months after the date on the invoice from XXXX XXXX XXXX..?! 

The collection rep yelled that I got the work done on the invoice and had to pay. 

To prove my case, I requested the medical records from the XXXX 2 times. They have not produced them. 

This collection account has caused me financial hardship, in the form of high interest rate on car loan and denial on my application for my son 's college loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
Worked for XXXX in approximately XXXX. Was under 10 month contract. Completed contract. Three years into working for another company I got bill in the mail from XXXX. 

So, I Called for an explination. Was told it was taxes on schooling. Was told not to worry about it, and never received a bill again. Now XXXX, I am working my credit to purchase home and noticed this is negatively affecting my credit report. I do not owe XXXX anything, I finished my contract, had them deduct the housing cost from my pay each week as in the contract, and drove for them for 10 months as in the contract. 

The collection agency is Lockhart, Morris & Montgo, opened on XX/XX/XXXX. according to credit report from XX/XX/XXXX until XX/XX/XXXX {$72.00} was owed, then in XX/XX/XXXX until present {$52.00} was owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 
The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 
In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : DPT EDXXXX ACCOUNT NUMBER : 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 2020-05-13 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 
The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 
In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : DPT EDXXXX ACCOUNT NUMBER : 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