vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-30 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: NY

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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 closed my account on XXXX XX/XX/2021 for no reason and will not help me getting it back up and going. It had XXXX dollars which I had to refund. I am not sure if this is some type of mistake as I assume it has to be. I have not been able to get help despite my effort to provide all the documented details of what they requested to solve the issue, and so I remembered I can file a report here as I feel that the company is not doing its job properly. Their final decision of me withdrawing my money after XXXX  days is really affecting me a great deal since I use PayPal to conduct my business which keeps me going in life. The email that is linked to my pay pal is XXXX XXXX ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ECMC GROUP, INC.
State: FL

Complaint narrative:
I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account. Delete this on my report as it really affects my credit standing.

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 2021-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: MD

Complaint narrative:
I have never had an account or contractual agreement with the company AR Resources. I never received any documents via mail from this company, never spoke to anyone from this company and I do now owe this company any money! I have disputed this with XXXX  and it is the only credit reporting agency that has not removed the this account that was never mine from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have been submitting letters to the credit bureaus since XXXX. The last letters I sent in XXXX. XXXX responded that the account was verified by courts which is untrue because I have letter from court stating they dont give information to credit bureaus. Equifax and XXXX  has yet to respond and its been 30 days but I sent letter to them as well from the bankruptcy court asking also that the information for Bankruptcy be removed from my credit report. 

Equifax, XXXX. XXXX XXXX, XXXXXXXX GA XXXXXXXXXXXX XXXX XXXX. XXXX XXXX, XXXXXXXX TX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX PA  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: VA

Complaint narrative:
I have been submitting letters to the credit bureaus since XXXX. The last letters I sent in XXXX. XXXX  responded that the account was verified by courts which is untrue because I have letter from court stating they dont give information to credit bureaus. XXXX XXXXnd Experian has yet to respond and its been 30 days but I sent letter to them as well from the bankruptcy court asking also that the information for Bankruptcy be removed from XXXX credit report. 

XXXX XXXX XXXX XXXX XXXX GA XXXX Experian, XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXXXXXX

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 2021-04-30 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: NJ

Complaint narrative:
Since XX/XX/2021 I have sent numerous letters informing the credit bureaus that upon my investigation of my credit reports they were in violation of several FCRA codes, 15 USC sec.1681 ( a ) 1 by reporting inaccurate information which is unfair to me as an consumer they are also in violation of 15 USC sec . 1681 ( a ) 4 in which they are violating my consumer rights to privacy. I have not given any credit bureau Equifax, XXXX  or XXXX  the written authorization to furnish a consumer report which a violation of the FCRA 15 USC sec. 1681 ( b ) 2. these violations are unacceptable and all accounts listed are to be deleted immediately. 
thank you for your immediate response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
They suddenly charged us {$420.00} for having a balance due on the card that we have been paying regularly. We also pay more than the minimum due.

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 2021-04-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: First Loan Choice
State: OH

Complaint narrative:
Company keeps taking money out my bank account then started to send me emails I ask them to stop tried to called them and now their phone is disconnected

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 2021-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have been submitting letters to the credit bureaus since XXXX. The last letters I sent in XXXX. TransUnion responded that the account was verified by courts which is untrue because I have letter from court stating they dont give information to credit bureaus. XXXX and XXXX  has yet to respond and its been 30 days but I sent letter to them as well from the bankruptcy court asking also that the information for Bankruptcy be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX TransUnion XXXX. XXXX XXXXXXXX XXXX PA XXXXXXXX

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 2021-04-30 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:
I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied with my request yet. Erase this on my report as it truly influences my credit standing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
My wife and I lived at The XXXX of XXXX XXXX apts for XXXX years with no issues ever. We were purchasing a new home at some point in middle of 2020 so we didn't want to sign a lease term because we weren't sure how long it would be until we bought a home and we didn't want to pay an early term fee. We submitted our 2 months notice on XX/XX/2020 and we moved out 60 days thereafter and paid our final bill, which showed that we actually were owed a bit of money back after our deposits were applied. However, I just received a notice on our credit report that we were sent to collections for nearly {$3000.00}, in spite of never receiving any communication prior letting us know about this balance, as we would have had the chance to dispute the inaccurate amount before it damaged our credit in the midst of a refinance of our new home. The collection agency doesn't have sufficient information that proves this balance is owed whatsoever ( because it isn't owed at all ). This is a violation of the Fair Debt Collection Act and we are entitled to damages resulting from their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
I don't recall that I had a record with these authorities/loan bosses. I've requested on various occasions to send verification from the proprietorship however they haven't agreed to my solicitation yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Hi on XX/XX/2021 my Coinbase account was hacked using a SIM card swap. Whoever gained access to my cell phone number, was doing change my password and verify with my cell number. However they disconnected my phone and all my texts were going to them. I disabled my coinbase account and verified my account and was able to get back in two days later. However, these hackers still had access to my phone number which I did not know at the time. They were waiting for the verification process to go through to try again at hacking my account. After coinbases verification process they were able to get me out of my email completely and back into my coinbase account. I ended up canceling my service provider and getting a new phone number. My problem now is that coinbase is not allowing me back into my account. I can not get into the account to change my phone number OR verify my identity. I get an error message saying account disabled contact support. I have around {$5000.00} in there. When I email them they say a specialist is  working on my case. Ive learned through XXXX that no one is working on my case. I desperately need help. I want all of my money back or at the very least access back into my account so I can withdraw all of my money. I had absolutely no idea they were enabling hackers ( they cant void transactions, have no idea where money goes when its been sent, dont answer emails or have a phone line ). Im praying you guys can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
I have no record of this account that ever belonged to me with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied with my request yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Sterling Infosystems Inc.
State: SC

Complaint narrative:
On my background report there is someone else 's name on some of the criminal charges these " charges '' with someone else 's name on them cost me a job. Thank you for your time. 

Sincerely, XXXX XXXX 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 2021-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
JEFFCAPSYS is claiming that I owe them {$9900.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I went to apply for a Mortsge. My experian Fico score says XXXX on my report. The bank pulled my report and experian is XXXX. How do I have 2 differsnt scores?? This is going to cost me more to get the loan

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 2021-04-30 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: IL

Complaint narrative:
Several credit inquires are reporting on my credit report. Reached out to Transunion and no one would help. I am a victim of identity theft and requested all incorrect inquiries be removed. They reused to do so.

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 2021-04-30 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:
I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
on XX/XX/21 and two weeks previously i tried to deposit monies into my checking account. the deposit consisted of a credit card stimulus payment from us govt, {$1400.00}. bmo harris refused to accept my id, altho this is the same id used to open this account years ago. bank tells me i must show them a state issued id or a passport. i do not own these other ids '. if my id was good enough to open an account, why is it not good enough to make a deposit. XXXX 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 2021-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied with my request yet. Erase this on my report as it truly influences my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
PARAMOUNT RECOVERY SYS is claiming that I owe them {$630.00} with an Account Number:XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
Repeat of the CFPB 's article in 2015 almost verbatim https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-paypal-for-illegally-signing-up-consumers-for-unwanted-online-credit/ It's not even subtle, there's mockery in it now that they can add little emojis and notes, but it's also hubris that incriminated them in the first place as my family never uses text when making transactions. 

If they have a template for this kind of thing then maybe the CFPB needs one as well to countermand the other.

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 2021-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Hello, Transunion dropped my credit score down XXXX points eith reason accaunt removed from XXXX XXXX XXXX, in fact I did not closed any account for last 12 months. Also I did not open an account last 12 months. I called XXXX  XXXX XXXX and tgey conferm me they did not report anything negativ about me. Also they said ; you are XXXX  costumer at XXXX 
Please investigatey case becaise i had same problem and last month. 

Thank you in advance!

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 2021-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I do not have a record of this account that ever belonged to me. I've requested on various occasions to send verification from the proprietorship however they haven't agreed to my solicitation yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have no recollection of ever belonging to me with these collectors/creditors. I have asked to submit proprietorship verification on numerous occasions, but they have not yet agreed to my proposal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: A+ Loans, Inc.
State: GA

Complaint narrative:
I made this loan, this loan included XXXX XXXXXXXX coverage, I told Representative [ Not ] to include XXXX XXXX coverage because I receive XXXX XXXX XXXX and Im a XXXX XXXX  XXXX Veteran, to-date No XXXX  XXXX payments have been applied under XXXX Contract, I dont owe a dime on this contract. I XXXX XXXX XXXX XXXX I gavXXXX XXXX XXXX  a copy of my Social Security & VA Awards LETTERS when applying for this industrial loan. Again I dont owe a penny on this account if XXXX XXXX never applied XXXX XXXX payments to this 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 2021-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
IM NEW TO PAYPAL, MY GIRLFRIEND SEBT ME SOME MONEY THROUGH XXXX XXXX  FOR THE LIGHT BILL AND I LINKED MY XXXX XXXX CARD BECAUSE I DONT HAVE A BANK CARD AND THEY SAID IT WAS PROBLEMS WITH THE CARD. I DONT UNDERSTAND WHY MY FUNDS WERE PUT ON HOLD AND THIS IS FRUSTRATING THAT I CANT PAY MY LIGHT BILL. PLEASE GET BACK TO ME
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: FL

Complaint narrative:
CENTRALPORTF is claiming that I owe them {$8400.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation