vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-02 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: MO

Complaint narrative:
The following accounts I have disputed them a month ago but was told by the major 3 credit bureaus that these accounts have been verified. Inwhich these very accounts I do not have a contract with nor have they been physically verified. I'm requesting the Method of Verification inwhich was used to equate the accounts as valid via my credit report. Inwhom within your company, name and title, spoke to whom and what means of communication was performed, phone, email, texts, fax, etc. What day and time did this take place. What physical documentation was delivered to both you and I that verifies these accounts, 1 ) XXXX XXXX {$0.00} 2 ) XXXX XXXX XXXX {$7.00} 3 ) XXXX  XXXX   {$570.00} 4 ) XXXX XXXX XXXX {$0.00} As stated in the FCRA laws if this information is not provided in its entirety then the above accounts shall be blocked immediately from my credit report.

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 2019-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Colony Brands, Inc.
State: MS

Complaint narrative:
To whom this my concern, I have dispute several accounts or more on my behave in witch when I have first got started also pull my credit for the following companies : On all 3 credit reports I request to update all my information still to come in 4 months time I see some items are being deleted also coming back on different address I still maintain some of the items are over 5 to 10 years or longer is still being reported I fill like if these items are showing off close charge offs or no date for the time period it should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
I sold items through XXXX XXXX is clear customer has product when I try and transfer funds to my bank account PayPal charges excessive fees and does not transfer funds timely taking over a week making excuses not to transfer holding my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mar Joe Enterprises
State: TN

Complaint narrative:
The collection agency account is showing that I have an open balance of {$73.00} on my XXXX  credit report which is showing as a derogatory remark ... The full balance was PIF and cleared my bank on XX/XX//18 ... I was promised that it would be cleared from my report within 60 days. This needs to be removed from my report. 

Collections : XXXX XXXX XXXX XXXX XXXX XXXX  TN XXXX Creditor : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The collection agency account is showing that I have an open balance of {$73.00} on my Transunion credit report which is showing as a derogatory remark ... The full balance was PIF and cleared my bank on XX/XX/18 ... I was promised that it would be cleared from my report within 60 days. This needs to be removed from my report. 

Collections : XXXX, XXXX XXXX XXXX XXXX XXXX TN XXXX Creditor : 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 2019-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was reviewing credit card statements and noticed that a XXXX   charge of {$19.00} has been charged every month starting on XX/XX/18 to current. This is a service that I never signed up for!

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 2019-03-02 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: GA

Complaint narrative:
I have an entry on my Experian credit report dated XX/XX/19 that also dates back on previous reports indicating I opened a XXXX cable account at an address I've never lived. The address of XXXX XXXX XXXX XXXX Ga is a place I never lived nor do I know anyone that lives or has lived at this address. I've XXXX near begged Experian to remove the address and the account from XXXX the collection agency that is listed as the debt buyer. They refuse to do so. I've asked them to show me how this was verified. Still no response.

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 2019-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
The Midland credit Management MCM call me offering to pay a deb collection from a credit card, that amount original was XXXX. They said that I just have to pay XXXX and the balance will be removed from my credit report in full. I have more than 45 days I did the payment and the balance is still in my credits reports. They say that they already did his part and I dont thing it is true. I need to do an operation and my credit report is not helping me because of this incorrect information. My name is XXXX XXXX last 4 o my social XXXX. I need your help and protect my consumer rights please

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Premier Student Loan Center
State: CA

Complaint narrative:
I was contacted via cell phone and told that I could have my {$46000.00} in student loan debt settled for over 80 % less than what I owed. I was to pay a fee of {$1000.00} first, then I would pay {$30.00} each month for the next 30 years, and then the rest of my balance would be forgiven. I took that to mean each month the {$30.00} that were being directly withdrawn from my checking account was going towards my loans. That was not the case. XXXX had not received any of the money I had paid, and I was near having my loans go into default. I paid Premier student loan for over a year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: Commonwealth Financial Systems, Inc.
State: VA

Complaint narrative:
A collection or line of credit which is not mine and was not known to be and is fraud appeared recently on my report- the name is COMMONWEALTH FIANANCE located at XXXX XXXX XXXX, XXXX , PA XXXX per credit report and was opened XX/XX/2019 ( fraud ). There is no way to contact them and multiple complaints are online about the fraudulent company.the referenced account number is XXXX, related to a balance not owed but listed as {$580.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
The amount of {$560.00} was borrowed from XXXX XXXX XXXX XXXX on XX/XX/XXXX. Due to financial shortcomings, the amount was sold to the 3rd party debt collector Knight Adjustment Bureau. 

On the original conversation, that took place within 6 months after the debt was sold off. Knight Adjustment Bureau demanded {$3000.00} and threatened legal action if the amount was not paid, and did so in a threatful manner. Them, not willing to negotiate, and not having the money at the time, I broke off any attempt to negotiate. Knight Adjustment Bureau, not willing to take " not at this time '' as an answer, they continued to call with -- what I believe to be -- the intention to annoy. Repeatedly calling even after I asked them to stop. It got to the point where I was receiving multiple calls a week, at times may per day. eventually, at the suggestion of counsel, a Cease and Desist letter had to be issued -- included in the attachments -- - to stop the calls and letters stopped. 

On XX/XX/XXXX the amount of {$990.00} was paid, later retracted. Then on XX/XX/XXXX, well under extreme duress perpetrated by Knight Adjustment Bureau, the amount of {$1100.00}, was paid to prevent any additional harassment and threats. The whole ordeal of XX/XX/XXXX, was spread over many phone calls, and involved threats and harassment perpetrated by Knight Adjustment Bureau. 


My info Name : XXXX XXXX Email : XXXX Phone : XXXX There info : located at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX or XXXX Fax : XXXX Email : XXXX Email : XXXX Note : Feel free to contact me for any follow-up, note I do not answer numbers I do not recognize, mostly for reasons stated above. email is the best contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST REPUBLIC BANK
State: CA

Complaint narrative:
I called First Republic Bank in California at ( XXXX ) XXXX around XXXX on XX/XX/XXXX. I asked to speak to a mortgage officer to put in a mortgage application. I was transferred to a mortgage banker. I informed him that I entered escrow that morning and was looking to do a mortgage application. He asked me for the address of the property and how much I was putting down. I told him I was putting down 15 % on a {$410000.00} purchase and the address of the property in XXXX XXXX. The banker looked up the property and immediately mentioned that the facade was made out of brick and they do not lend to properties made out of brick. It was clear that the property was not made out of brick, this sounded like a rehearsed line, he even had a catch phrase of calling XXXX XXXX " XXXX XXXX '' or something more pretentious, can't remember exactly. This was clearly an attempt to discourage me from using them as a lender. After this did not discourage me and I still wanted to move forward he said that he was not able to do a mortgage application because they only have two programs, the first where you put down 20 % minimum and the second you can put down less but you have to be a minority or purchase in a highly minority populated area. I realize that {$410000.00} for a condo seems like a lot of money. However, where these banks are located the minimum home price is XXXX XXXX. I was not only discouraged from lending I was told that they would not help me. This is a clear violation of the fair lending act ECOA and FHAct.

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 2019-03-02 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: MO

Complaint narrative:
It's been two consecutive months of disputing these unauthorized accounts and requesting the Method Of Verification used in the process of your investigation. If this problem continues imma have to file suit with the 2 of the 3 major credit agencies. The FCRA is enforced by FTC inwhich grant certain rights to protect consumers against the credit agencies distributing false or harmful credit information about individuals. I'm requesting your Method used in this investigation and if this request is breached then the reporting agencies should be held accountable. I'm requesting that XXXX and Transunion credit reporting agencies provide me with physical documentation of investigating these accounts. ( 1 ) XXXX XXXX XXXX {$1.00}, ( 2 ) XXXX XXXX XXXX {$920.00} ( 3 ) XXXX XXXX {$0.00}, ( 4 ) XXXX XXXX. My request is for the names and method of communication inwhich was held in this investigation. Inwhom did your representative speak with, how, by phone, email, fax, etc. What specific date, day, and time. And if this is not met in a just and prompt manner then these accounts shall be blocked immediately in accordance with the FCRA.

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 2019-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I noticed an unauthorized charge on my citibank double cash credit card for {$85.00} made on XX/XX/2019. I called citibank on XX/XX/2019 and informed them that this charge was not made by me. They gave me a conditional credit for the amount but on XX/XX/2019 reversed this conditional credit and is forcing me pay for the fraudulent charge, even though it was clearly made by some other person based on the documentation. Their website proudly states : {$0.00} Liability On Unauthorized Charges. ( https : //www.cardbenefits.citi.com/Products/0-Liability-on-Unauthorized-Charges ) This is clearly not the case with citibank.

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 2019-03-02 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: SC

Complaint narrative:
XXXX College, Experian and XXXX are all working together in a fraud collaboration. I WANT THE FRAUDULENT INSTALLMENT LOANS REMOVED FROM MY CREDIT FOR THE CLOSED SCHOOL. I never ATTENDED or BORROWED any money FOR THE SCHOOL.

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 2019-03-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Santander Consumer USA Holdings Inc.
State: AR

Complaint narrative:
Went online to get the loan and told us we could only get a vehicle at XXXX XXXX. Then we picked out a car and his parents asked them if it was XXXX financing. They lied and said it was, then we picked out a XXXX XXXX. The next day we got a ride and they gave us a different vehicle and it was very clear that the paper work had been done over where we signed to read something completely different and our ride had already left so we had to drive the vehicle back home. The first day home we filed with the Attorney general 's office. We were told by them not to pay the payments so we would not validate the loan. THEN I FOUND OUT THAT SANTANDER HAD BEEN ILLEGITIMATE, and had filed bankruptcy. We Never used the vehicle as it was not the one we purchased and we will not pay for it. THEY PULLED A Bait and switch and its illegal. The vehicle was returned to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 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: MO

Complaint narrative:
It's been two consecutive months of disputing these unauthorized accounts and requesting the Method Of Verification used in the process of your investigation. If this problem continues imma have to file suit with the 2 of the 3 major credit agencies. The FCRA is enforced by FTC inwhich grant certain rights to protect consumers against the credit agencies distributing false or harmful credit information about individuals. I'm requesting your Method used in this investigation and if this request is breached then the reporting agencies should be held accountable. I'm requesting that Equifax and XXXX credit reporting agencies provide me with physical documentation of investigating these accounts. ( 1 ) XXXX XXXX XXXX {$1.00}, ( 2 ) XXXX XXXX  XXXX {$920.00} ( 3 ) XXXX XXXX {$0.00}, ( 4 ) XXXX XXXX. My request is for the names and method of communication inwhich was held in this investigation. Inwhom did your representative speak with, how, by phone, email, fax, etc. What specific date, day, and time. And if this is not met in a just and prompt manner then these accounts shall be blocked immediately in accordance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Firstly, I am impressed with the ease of using your website to file this complaint. Thank you. 

Second, I must apologize for my selection of categories for my issue because none of the categories accurately reflect the nature of my issue. 

Finally, on XX/XX/2019, PayPal delivered a Notice of Policy Updates. The Notice indicates that I will need a " balance account '' linked to my current PayPal account due to " a new regulation issued by the Consumer Financial Protection Bureau in Washington, D.C. coming into effect on XX/XX/2019 ''. 

After an hour or so of searching the CFPB site as well as the broader Internet for " balance account '', " PayPal Cash '', " cfpb cash account '', " cfpb paypal '', etc. I have only come across one article describing a consent decree resulting in a $ XXXX settlement, which unfortunately has nothing to do with this " balance account ''. 

Additionally, due to my limited literacy in financial legal terminology, I must concede that I am left with the impression that PayPal may have taken some obscure ruling of yours to automatically open an account for me ( " PayPal Cash '' ) without my active consent by the wording " If you agree to these changes, you dont have to do anything. ".

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: FL

Complaint narrative:
I have a major debt collection reporting on my credit that is not mine. The debt appears to be from public records in which I do not recognize the details of this account. I believe that this matter is the result of an identity theft.

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 2019-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: NY

Complaint narrative:
I received a collection letter from American Coradius International LLC ( ACI ) stating that I owe XXXX {$480.00}. As of today I have a XXXX balance in my XXXX account. I called ACI to discuss the letter but my call was dropped before I could speak with a representative. I called XXXX and informed them of the letter and XXXX is investigating after confirming I owe XXXX no money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: FL

Complaint narrative:
I have a debt collection for services/utilities that I did not use. I have never had an account under my name that I authorized for myself or no one else. The information being reported is incorrect.

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 2019-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I received a collection letter from XXXX XXXX XXXX XXXX ( XXXX ) stating that I owe PayPal {$480.00}. As of today I have a XXXX balance in my PayPal account. I called XXXX to discuss the letter but my call was dropped before I could speak with a representative. I called PayPal and informed them of the letter and PayPal is investigating after confirming I owe PayPal no money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
OnXX/XX/XXXX My bill was {$410.00}. I paid {$420.00} On XX/XX/XXXX My bill was {$300.00} I paid {$300.00} I thought that the card was paid off. 
XXXX XXXXCard claimed in the XX/XX/XXXX billing statement that I made a purchase on XX/XX/XXXX for {$30.00}. On XX/XX/XXXX billing statement the amount rose to {$58.00}. On XX/XX/XXXX. I paid XXXX  XXXX card. XXXX. I thought that this card was paid off. On the XX/XX/XXXX billing statement the amount rose to {$97.00}. On XX/XX/XXXX I paid XXXX XXXX card XXXX. On the XX/XX/XXXX billing statement the amoount rose to {$79.00}. Then I paid XXXX {$1.00} which they are leaving as a credit. I was forced to give them my checking account and routing number because they would change the amount due daily.

Company response to consumer: Closed with monetary relief