vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-06 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: CL Holdings LLC
State: VA

Complaint narrative:
On XX/XX/2021 JEFFERSON CAPITAL SYSTEM added a derogatory on my credit report per XXXX XXXX. Upon further research this account was transferred/sold and I'm no longer responsible for this account. Debtor 's collectors did not verify this collection. Also there was NO written communication, contract or signature for this account at all. A bill without a signature does not validate a debt and anybody can send a bill and say its mine. According to the FCRA, JEFFERSON CAPITAL SYSTEM has violated my rights and I'm requesting legal action to remove account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 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: OH

Complaint narrative:
on XX/XX/2021 XXXX XXXX XXXX reported an unauthorized inquiry to transunion and XXXX. i didnt receive any service or good or give permission to report. 
i submitted a FTC report and sent it to both credit reporting agencies and XXXX XXXX XXXX on XX/XX/2021. 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 explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
PayPal has inexplicably " restricted '' my account and can no longer " do business '' with them without any reason provided to me other than " Some of your products or services are in violation of the PayPal Acceptable Use Policy. As a result, you can no longer do business with PayPal. '' To start off, I do not sell products nor services. I have sent emails to PayPal asking for explanation as to why my account has been banned and they have not responded. The only thing I can think of is that they are punishing me for initiating a chargeback through my credit card company earlier this year when PayPal sided with a seller who scammed me out of approximately {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I'm a client banking with chase and have been recently involved in bank/check fraud. This was my first time working with this new customer and as a first time transaction I require payments upfront, and then ship the product to them. 
The customer submitted a fraudulent check via Chase Bank located in XXXX XXXX XXXX XXXX XXXX, IL XXXX in the sum of {$12000.00} with a XXXX  XXXX XXXX check, address located on XXXX XXXX XXXX  XXXX XXXX XXXX, IL XXXX. I had called Chase Customer Service on XX/XX/2021 at XXXX XXXX  PST to be reassured that once a check clears into my account the funds can not be retracted which is very misleading, because of a false sense of reassurance I shipped the goods to the consumer. I am also requesting a copy of this recorded call as it shows how I was mislead through Chase 's Customer Service Team. The next day on XX/XX/2021 I check and see that the amount of {$12000.00} has been retracted out of my account because it was a Altered/Fictitious check. I called my local Chase Branch and they had informed me that a check can be retracted in the time frame of up to 3 years, which is the complete opposite of what I was told with Customer Service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: Convergent Resources, Inc.
State: CA

Complaint narrative:
I reached out to XXXX after finding a fraudulent account from Convergent Outsourcing. They haven't removed it even though I told them about it on XX/XX/2021 and again on XX/XX/2021. I am being harrassed illegaly by Convergent and I want this to stop. This has not only damaged my financial character, but is causing unnecessary 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 2021-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: KS

Complaint narrative:
I just received a letter from a debt collector by the name of Convergent Outsourcing , Inc . They say the creditor is XXXX XXXX. 
Amount {$120.00} Account numberXXXX Convergent account # XXXX I already informed XXXX of this false information because I had received another letter and called XXXX to see what they were talking about. They couldn't find anything and we had determined it was the scammers that had been contacting me since XXXX when I switched to XXXX and when the Cyber attack happened. More they sent a letter that I'm in collections with a phone number, address, and it states no online pay available. I called the toll free number they have on the letter but it is closed today in the XXXX hour on Sat XXXX XXXX. I have not ordered anything new with XXXX ; earlier in the week l when I spoke to the the XXXX expert and gave him the account number he couldn't find any account tied to me. These people are emailing, calling, and texting everyday! It is starting to become confusing when it is really XXXX emailing me. At this point I'm missing out on real, actual emails and opportunities from XXXX without extensive research. They call, text and email all day while I'm at work. It doesn't matter if you block the calls, they will go generate another number. They are and have disturbed the little peace I have left. It has become really stressful while I'm at work and when I'm trying to enjoy my time off with my family. I have more calls and texts from them than I do from people I know. They refer started calling my other numbers that my children have under my account. And they are using local area codes. With XXXX as the caller id.

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 2021-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
on XX/XX/2021 I requested for the 2nd time a debt validation from Phoenix financial service via certified mail after the 1st request failed to provide a thorough break down for the alleged charges, date of alleged service rendered, list of services and a signature from the provider showing my request to release information. in which I then respond letting company know that a violation of HIPPA was made and requested that they do the right this and have this account removed from credit report. I was then contacted by mail on with a letter dated XX/XX/2021 in which they mentioned this debt being valid with no clear information of the details requested above that request to validate that this alleged debt to be valid, this now makes the 2nd time I have tried to contact this collection agency regarding this alleged debt and providing reasons why information should be removed. I then received a 2nd response dated XX/XX/2021 in which they mention that records show this debt having been disputed before and will not be reinvestigating dispute there for the information will remain on credit report. how ever I find this to be clear violation of HIPPA laws and regulations. and wish to no longer suffer from this companies mistake and have been inconvenienced long enough

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
This account don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft WELLS FARGO Account Number : XXXX This is not mine.

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 2021-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
several months ago I had this problem of identity theft someone used my information and opened credit card accounts with different banks or entities since I was noticing in my credit report several changes with new accounts and inquiries without my authorization, I need help to solve this problem since they caused damage to my credit report and making charges in my name I need to solve this problem you are with the accounts that appear in my report without my authorization I need you to investigate and eliminate those accounts please.

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 2021-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
Under my findings 12 CFR Part 1002 - Equal Credit Opportunity Act ( Regulation B ) I can not be discriminated against for any Type of credit transaction I was denied a line of credit however a credit transaction took place with this company Now i feel discouraged of applying for any future lines of credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
My home refinance with Citibank is stressful and frustrating because they refuse to accept my letter that certifies I am receiving service-connected XXXX compensation from the Department of Veterans Affairs .

Regardless of what I told them ; and even after a 3-way call with me, my loan processor and a VA benefit Rep that said the official letter is the only letter the VA issues, the Citibank Underwriter still said the same thing : We will need some type of communication that you have received or can request from VA that shows the terms or when it will need to be re-evaluated for the benefit continuance. Do you have something to verify it is a lifetime benefit or something to show you must go every so many years to be re-evaluated so the benefit will continue? Do you have any type of communication with the stipulations listed on how the benefit continues and for how long?

I had 4 different loan processors that I had to deal with, ( and someone that asked me for some kind of title authorization ) that is not counting my loan officer and someone who was just referred to as the " Underwriter ''.

Only the Personal Processor and my Loan officer seemed interested in moving my application forward. Regardless of what my Personal Processor said to the Underwriter it was always kicked back to my Personal Processor as unsatisfactory.

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 2021-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
XXXX XXXX Bank of America XXXX XXXX XXXX i never received XXXX credit card was applied for using my XXXX XXXX that i did not create. 

XXXX XXXX  ''XXXX  '' XXXX credit card i did not apply for and was un aware of.

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 2021-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
This account was placed on my credit report in XXXX. Since this alleged debt has been on my credit report, I have been homeless 3 times because I can not find adequate housing. Then when it is time to find another home its almost impossible. I have been denied form or passed over for at least 50 apartment homes in the past 6 years. I contacted the CRAs as well as National Credit System in XX/XX/XXXX. I was told the debt was investigated and came back as valid, although 15 usc 1681a ( e ) says to investigate any alleged debt, they would have needed to interview my friends and neighbors ( they did not ). On XX/XX/XXXX I sent National Credit System an affidavit of truth, they never rebutted or responded to the affidavit. I noticed that it was still on my credit report so on XX/XX/XXXX I sent a cease-and-desist letter, still not response or removal. I need help National Credit System is ruining my life!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I got locked out of my own paypal account. They asked me to reset my password and when I try to do that, they tell me to verify my phone number which is my old number. I can't even change it. I don't understand why they can't just send me verification code to my email. Their system is quite flawed and no wonder people talk bad about paypal everywhere online. I guess it makes sense.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: LJ Ross Associates
State: IN

Complaint narrative:
On XXXX XXXX a validation letter was mailed to L J Ross Associates In. This company/organization has failed to provide the following : What is the dollar amount owed? 
Explain and calculate the amount owed : Provide me with copies of any papers that show that I agreed to pay the amount you are stating is owed : Provide a verification or copy of any judgement if applicable : Identify the original creditor : Prove the Statute of Limitations has not yet expired on this account : Provide me with the license that you are allowed to collect within my state : Provide me with your license numbers and Registered Agent or Agent of Service/s : Instead the company continuously calls my cellular telephone number as well as reported the collections onto my account both on XX/XX/2021 and XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: IL

Complaint narrative:
I have a creditor of XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, UT XXXX. They still have on my credit report even though they were discharged in Chapter XXXX Bankruptcy in XXXX. I have tried to get the credit reporting agencies to remove them as well as the creditor but have not have had any success. The account was opened XX/XX/XXXX and closed XX/XX/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 2021-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequoia Financial Services
State: CA

Complaint narrative:
I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX-XXXX  XXXX XXXX for them to release my ( or my minor childrens ) medical information to a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: Paypal Holdings, Inc
State: MI

Complaint narrative:
XXXX XXXX IRS Complaint I cant access my account and i once reported to irs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Possible Financial Inc
State: CA

Complaint narrative:
Possible Finance denied my credit application because I receive unemployment. I feel like there is a ECOA violation. After the denial, Possible Finance sent solicitation emails with their company logo in the email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: CA

Complaint narrative:
I reached out to Experian after finding a fraudulent account from XXXX XXXX. They haven't removed it even though I told them about it on XX/XX/2021 and again on XX/XX/2021. I am being harrassed illegaly by XXXX and I want this to stop. This has not only damaged my financial character, but is causing unnecessary 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 2021-11-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have a creditor of Capital One, XXXX XXXX XXXX. XXXX XXXX XXXX, UT XXXX. They still have on my credit report even though they were discharged in Chapter XXXX Bankruptcy in XXXX. I have tried to get the credit reporting agencies to remove them as well as the creditor but have not have had any success. The account was opened XX/XX/XXXX and closed XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: DE

Complaint narrative:
Locked my credit in 2014 due to this situation. I don't know owe any debt from the company that your claiming.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP
State: MD

Complaint narrative:
On XX/XX/2021, I received a U.S. BankReliaCard debit card in the mail. The card was issued to me under the District of Columbia Unemployment Insurance Program. However, I've never filed for unemployment insurance and I did not open this account. I called US Bank to deactivate the card and report fraud. I plan to contact the D.C. unemployment office next to take my name out of their system.

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 2021-11-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Hello, most noble officials! I have had the measure taken to close my account with XXXX XXXX, which I am happy with. My issue is that when I called today, the XX/XX/XXXXto their customer service line at XXXX, I was told that I could not receive a confirmation via email of my closure. I knew that was not right, so after calling back again at XXXX, which was not supposed to happen, I had to wait 16 minutes for a resolution. This comes after an agent mocked me on the phone when I replied to her statement about her auditory difficulties. She said that she could not make out what I was saying, and I simply replied that I had full bars for a signal. She continually said she could not hear me. Finally, she transferred me after a hassle supreme. Everything is good, but their reps need a little fine-tuning with the customer side of things. Play with your own time, you know? Thank you...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Key 2 Recovery, Inc.
State: TX

Complaint narrative:
I was checking my credit report and realized I had 2 collections I did not recognize where they were from. I am a victim of identity fraud with many inquiries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Block, Inc.
State: WA

Complaint narrative:
I recently received a XXXX license in the mail that I didn't request with updated personal information that is not correct or matching my existing XXXX , that has been reported to the DOL, FTC and Police. Some one had gotten into my on-line Bank account and updated my password, email and phone number. I received several denied requests to open bank accounts and credit accounts, and then I received a new card from " Cash App '' with my name on it, but I never requested it. I was unable to call and speak to anyone, it requires I give them the email, info, or supply additional information to speak to someone. 

I am positive this was opened by this person, the card seems to be used for cryptocurrency, etc. I want to make sure no transactions are happening with this tied to my identity or accounts.

Company response to consumer: Closed with explanation