vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc.
State: GA

Complaint narrative:
Collector : Innovative Recovery Inc, Inc. XXXX XXXX XXXX XXXX Tx, XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Amount Owed According To Collector : {$1000.00} I have disputed this account on several occasions with the debt collector and the credit bureaus. XXXX  has removed the account from my credit report based on the facts of my dispute but XXXX  and XXXX  has stated the account is verified as accurate even with the proof I have provided. When the debt collector Innovative Recovery Inc was asked to provide me with validation that the debt is mine and that i owe the debt they provided a letter stating the debt is in fact mine and a balance owed is {$1000.00} but also they sent a list of charges along with my lease agreement from the apartment company that says a balance of {$1000.00}. So therefore an extra {$50.00} is claimed to be owed to the collector for what reason I am unsure of. When i contacted the company by phone the rep could not give me an explanation of what the extra {$50.00} was for. Then he stated well there was an extra charge after we received the collection. I asked what was it for. & he still could not give me an explanation. I said can i have proof of that. HE said sure, I still have not received it as of today. I once again called the company asking to speak w/ the supervisor which is XXXX, I asked to for all documentation on file to be sent to my address. Which i only received a letter saying they are attempting collection on the debt, with no explanation of the charges. This account is ruining my credit. In a previous complaint filed w/ cfpb the collector stated that the collection was for breach of contract of a lease agreement and would settle for {$600.00} but still did not explain the amount in detail of why there was a difference in the amounts that were listed in the requested validation of debt documents. As of today the statues of limitations is 5 years and 10mos. I do not intend to settle this debt until I receive explanation of all charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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:
I have an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of these debts and request verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) When the original date of default and collection activity began 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on 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 2020-06-09 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: OH

Complaint narrative:
I have an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of these debts and request verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) When the original date of default and collection activity began 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: OH

Complaint narrative:
I have an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of these debts and request verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) When the original date of default and collection activity began 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on 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 2020-06-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
They lie. Trying to refinance and they called harassing promising over and over we would get cash back and not pay upfront if we refinance. If there calls are recorded they literally promised go back and listen to calls. Then day of closing they say we owed to close and also had names wrong on closing documents after I brought it up in the beginning and they promised on the final documents they would be corrected. Now they are correcting and keep saying each week we will sign the new documents and promising to call and dont answer or call. Then they said maybe we will pay at closing after promising again we wont pay this time around again. Still waiting to close on refinance and keep getting pushed months and months further

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2020-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
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 can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
They called my family members threatening to sue me without ever contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I am a XXXX XXXX XXXX. I use several software platforms to manage my business and transfer money and neither are able to connect to PNC Bank. I also try transferring money to my own accounts and that is a problem. The software that I am most feed up with not working is : 1. XXXX XXXX 2. XXXX XXXX XXXX   This needs fixed asap. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: NV

Complaint narrative:
I am a victim of identity theft my wallet with all my personal information was stolen and used to open unauthorized accounts. Enclosed is a copy of my police report and proof of identity. 
XXXX XXXX  XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX Are accounts open due to 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 2020-06-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Fraudulent charges on XX/XX/2020 on my PayPal Credit account for XXXX @ {$200.00} and PayPal Gift Sus Purchase @ {$100.00}. I did not make these charges for XXXX XXXX and PayPal Gift Cards. I have no history of ever making such purchases. 
Refunds of {$27.00} @ XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2020 XXXX SGT has not been applied. 
Also, refund of {$58.00} that the seller has already received back at the address given to me in the UNited States ; however, now the address in XXXX was given. The products have been received by the office in XXXX XXXX, CA. It was sent back on XX/XX/2020 and received by the seller on XX/XX/2020. It appears that there maybe some form of " corruption '' in this business as the number given as PayPal Headquarters ( XXXX ) is actually a group of " scammers '' who get into the computer, divert emails to XXXX. Also, PayPal denied my dispute. I have no history of ordering XXXX XXXX and PayPal gift cards. 
I was among the first who alerted CFPB about XXXX XXXX and you did nothing for two years. I am back again to let you know that someone who has a tie to PayPal.com is scamming individuals and PayPal.com appears to be working with the scammers. I am sending you copies of refunds due, proof of reciept, the telephone listing of the scammers, etc. please remember that Black Finance Matters also. Please listen when we report issues like this to you. Thank you

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 2020-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Date of Purchase : XX/XX/2020 I was trying to purchase a XXXX  online from a site I thought was a legit XXXX site, I learned afterwards it was not legit- the site was XXXX. When I went to purchase, I did not want to use PayPal tried to use another payment method but the site did not allow me to back out and it took my payment via PayPal. I logged into my PayPal account and knew immediately it was a scam. It went to a seller named XXXX XXXX attached to a XXXX account. I contacted PayPal to cancel the transaction immediately and they could not cancel it because of some unspecified reason. I went to my bank and informed them of the fraud. I have screen shots of the fake XXXX  site ( which does not exist anymore since the seller keeps swapping out the sites ). On XX/XX/XXXX PayPal sent me a message stating the seller shipped the item on XXXX, had a fake UPS tracking number and a message that the package was 'released by driver ' ( I never authorized any package to be delivered without a signature ). PayPal insists that I get an 'intranet form ' from XXXX XXXX XXXX is saying they can not track such a thing- and to complicate it further the package was sent via XXXX XXXX which states I can not put a tracking claim on this package. PayPal is participating in the fraud, by not honoring their purchase protection for consumers. They are protecting the seller and profiting off the scam since they take a cut of all transactions. Claim is the package was shipped on XX/XX/XXXX and was delivered to my town on XX/XX/XXXX to an unknown destination. I have attached screen scans of the XXXX  ad ( which I now know is not legit ) and the info of the whois attached to the XXXX site which is not up and running, it's attached to a web designer site.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AR Resources, Inc.
State: GA

Complaint narrative:
I have a doctors bill that went into collections, I've made payments on this account and have been trying to contact them but they have been giving me the run around. Its with Ar Resources Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: MD

Complaint narrative:
I have a letter from XXXX XXXX stating they have no bankruptcy on file from me XXXX TransUnion continues to say they verified this account with XXXX XXXX is TransUnion verify this account when I have provided a letter from the vendor XXXX XXXX This is my 4th time send this letter

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 2020-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
When my lease ended with XXXX XXXX in XXXX of XXXX they sent me a notice saying I owed {$310.00} and had 15 days from receiving the notice to dispute it which i did. They claimed i only returned one house key and charged me {$25.00}. Fortunately i took a picture of BOTH keys initialed by them that it was received by them. I made sure to send them that proof with my dispute. They also wanted to charge me {$120.00} to replace the carpet which they said was dirty. I dispute that as well since they promised me via email that when i renewed my lease in XXXX that i would get a free carpet cleaning. Had they done as promised i would have a clean carpet and they would not be charging me for that. They also want to charge me {$100.00} cleaning fee for " leaving items '' behind. This i dispute as well. They never did a walk through with me even though i requested it when i moved out. They said it was not necessary. So I dispute all this and I hear nothing back and now suddenly XXXX  months later its with a collection agency. I don't know how that is allowed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Clark County Collection Service
State: NV

Complaint narrative:
I had a medical debt for under {$400.00} land in XXXX XXXX XXXX XXXX. They added {$100.00} to the medical bill. 3 years later the colection company summons me To court and added {$650.00} or so in lawyer fees. I attempted to approach the court but so many obstacles. I reached the collection agency and paid them {$220.00} for the medical debt owed. They sent me a letter with attempt to Default and were looking at garnishing my wages. Finally, I went to the office in person and settled for {$360.00} ( owed {$590.00} ) I made them Give me a written receipt and to lift and court judgements against me, I am furiating that this company charged me interest and lawyer fees on. Medical debt under {$300.00}. I can not afford this large payment but they gave me no choice or having to take it to court. Is this legal to add interest to medical bill?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
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 response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
XX/XX/2020 after reviewing my personal credit report ; an unauthorized inquiry from WELLS FARGO DEALER SERVICES located at XXXX XXXX XXXX XXXX ( XXXX ) XXXX, CA XXXX ( reported ) showed on my XXXX credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.

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 2020-06-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: FL

Complaint narrative:
Hello my name XXXX, I have a loan that was sent to cash app because I use cash app for business, cash app is suppose to allow any amount do be direct deposit and unfortunately payment was sent XX/XX/2020 @ XXXX XXXX and cash app has failed the direct deposit for some unknown reason. I also reached out to cash app with multiple emails today and still havent got a response from them. Can you guys please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: IA

Complaint narrative:
My husband and I got married on XX/XX/2020. Our names have been legally changed since XX/XX/2020 ( before quarantine even started ). We have updated our information with the Social Security Administration, the Department of Transportation, and all of our financial institutions. Both XXXX   and XXXX have already updated our full names to the correct legal names. Yet, as of this evening on XX/XX/2020, Equifax has yet to update our names to match everyone else. 

We submitted our first Equifax dispute by mail on XX/XX/XXXX, as directed by a call center representative. Though we included all the necessary information, they still closed our dispute without updating either of our names. Since then, we have submitted an online dispute on XX/XX/XXXX, which was met with the same result ( or rather, lack thereof ), and again on XX/XX/XXXX, this time submitting both by mail and online. We have yet to hear back about our third attempt, but sadly, I fear Equifax will continue to blatantly disregard our request. 

Now, under normal circumstances, I would be more patient, but my husband and I have been trying to apply for a mortgage since late XXXX, and Equifax 's lack of response has been the only thing holding us back. We implore you to please hold Equifax accountable for the upkeep of their records, so others may not be forced to experience this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I recently opened a brokerage account through XXXX and it wouldn't allow me to link my PNC bank account to it due to a " change that prevents you from being able to link your accounts ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation
State: LA

Complaint narrative:
This company is not licensed to collect a debt in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: LEXISNEXIS
State: MD

Complaint narrative:
I have a letter from Lexis nexus stating they have no bankruptcy on file from me .. XXXX  continues to say they verified this account with Lexisnexis ... is XXXX  verify this account when I have provided a letter from the vendor Lexisnexis . This is my 4th time send this letter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: MD

Complaint narrative:
I have a letter from XXXX XXXX  stating they have no bankruptcy on file from me .. XXXX  XXXX to say they verified this account with XXXX ... is XXXX verify this account when I have provided a letter from the vendor XXXX . This is my 4th time send this letter

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