vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
After reviewing your letter which I attached from your company, Equifax, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance to Section 605B of the FCRA you have determined that my request was either made in error, a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission, which I have attached to this complaint, with my original letter sent to your company, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? All of the reasons that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Equifax now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. 

XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX A ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: TX

Complaint narrative:
I received a phone call from MBA law out of Texas advising I had an outstanding balance of {$1700.00} for an emergency room visit. I advised the representative of MBA law, that I had paid down the balance to a company out of Georgia and in fact did not owe {$1700.00}. I informed the representative that I would be submitting my documentation proving I had paid the balance down. I then found that MBA law had report to the credit bureaus I was in collections for the balance of {$1700.00}, which in its self is inaccurate and false. I have yet to hear back from MBA law or any of it's representatives. I have requested they remove the inaccurate report placed on my credit report but have not seen any action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Experian is reporting fraudulent activity on my account. I disputed the items, debt a certified letter with the proof they asked for and called them. They are still reporting the fraudulent activity even after I submitted my Driver 's license, FTC affidavit and explanations on how my identity could have been stolen. My driver 's license was stolen in 2018 and my email was hacked, along with my information at a hospital. Theives have my name, SSC #, email address and DOB.

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 2021-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Lazega & Johanson LLC
State: GA

Complaint narrative:
I filed a dispute with Lazega & Johanson , LLC over 30 days ago .I informed Lazega & Johanson , LLC that I am disputing their claim.moreover I requested that Lazega & Johanson , LLC supply me with copy of the contract with my authentic signature and XXXX XXXX XXXX XXXX XXXX signature which makes the contract legal Lazega & Johanson , LLC never provided a true copy of contract with my authentic signature or XXXX XXXX XXXX XXXX authentic signature and continue to harrass me with lawsuits and fees thats are not included in the original amount.the consumer is not responsible for any other fees, late fees, or finance charges outside of the original amount owed and that is in the FDCPA. I the consumer has been tricked to pay fees I was not supposed to pay out of fear of getting sued and being threatened by Lazega & Johanson and by XXXX XXXX XXXX XXXX and I want my money back. I am in fear of Lazega & Johanson and XXXX XXXX XXXX XXXX with all of the threats, phone calls, and letters that I have received from them.further more the fair credit reporting act regulates how creditors handle consumers dispute.the statue states that when a consumer disputes any item the creditor should conduct a reasonable investigation within 30 days to determine if the challenge item is correct.after 30 days have expired if creditor have not completed the investigation the disputed item must be deleted.finally Lazega & Johanson , LLC and XXXX XXXX XXXX XXXX failed to report the dispute to the CRA which is a violation of the FCRA section 623 and carries a fine.

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 2021-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
I just bought a Honda XXXX XXXX last night with Honda of XXXX, and while I was working with XXXX the loan manager, he told me that I had no other options but finance directly through Honda. I also needed to put at least {$6000.00} down. That was my ONLY option. Come to find out, he lied and never looked around at any other places because my bank had pre-approved me for a car at a better rate and term. I went to the dealership today and they are saying that they did make the mistake of not finding the best option and telling me that I only had ONE option. I have a recording of it, and now I am filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Midland Credit is the company I was being sued by. I paid off in full in the beginning of XXXX. I received paid in full letter from Midland Credit and was told by representative no forward actions would be taken and they would forward information to the court. After speaking with the company over 3 times court has not received anything from Midland Credit and they have place a judgement against me. 
Please Advise. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am a 100 % XXXX Veteran with a XX/XX/XXXX dishcharge dated XX/XX/XXXX. 

XXXX failed to send their guarantor Ascendium the proper paperwork in XXXX. They did not send in the MP note. I called Ascendium Ombudsman and was back and forth with XXXX Military line for MONTHS while all my other loans were paid off. 

They said it's not a federal loan. Nice little made up rule. The government loses money doing that FYI since they can just keep XX/XX/XXXX up paperwork and charging every month. 

This XXXX guy at XXXX told me to BACK DATE MY XXXX LOL. YOU CAN'T BACKDATE A VA XXXX. THATS THE MILITARY LINE AT NAVIENT!!!!!! 

I have proof of this, phone records, they say the recorded calls ... I recorded a couple. contacted everyone, even an Attorney. 

XXXX went under when I was overseas in XXXX and they never mailed me anything because they had the wrong email address. My mother set it up to handle things why I was XXXX. 

I was poisoned overseas by XXXX gas and the XXXX sent 2 people to tell us that the air quality was within XXXX levels. I proved that wrong beyond a shadow of a doubt by finding enough papers on the subject. Mainly Thanks to ONE Doctor who cared awhile ago. 

They continue to email this email and not MINE. I have been on the phone with them for 4 months and FINALLY they take it off my credit. Playing GAMES WITH A XX/XX/XXXX XXXX VETERAN. 

In the meantime. My score has dropped and they are keeping 14 missed payments on my loans for no reason. Now it says 7 on Experian. I am XX/XX/XXXXXXXX AND vCONFUSED AND MAD. Their upload thing doesn't work. I was back and forth with Experian the entire time as well. 

I called XXXX and made a lady Attorney cry every time she talks to me. I can't get help at all.. I don't want to hurt people by telling them my story. 

Maybe I should just give up on credit? 

I CAN'T GET A VA HOME LOAN!!!!!! 

GIVE UP ON THE AMERICAN DREAM? 

LIFE, LIBERTY, PROPERTY, PURSUIT OF HAPPINESS? 

GOT TA HAVE CREDIT! IF YOU F IT UP, 7 YEARS PAL 7 YEARS CREDIT PRISON SENTENCE. 

NICE DEBTORS PRISON BTW. Just change it from sending them to jail, and let them get XXXX XXXX at home. 

REAL AMERICAN. 

America doesn't seem to ACTUALLY care about it's 100 % XXXX VETERANS. 

XXXX. 

XX/XX/XXXX XXXX XXXX XXXX XXXX/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 2021-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I sold goods on XXXX and put my money in PayPal, but PayPal stole my money without my permission. I have the formal invoice of purchase PayPal - negative {$10000.00} XX/XX/XXXX Transfer Loading transaction details for PayPal - negative {$10000.00} XX/XX/XXXX Transfer You reported a problem with this transaction. See the status of your case in the Resolution Center. 
Paid with Balance {$10000.00} Transaction ID XXXX Seller info Note {$10000.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
Citibank informed me that they were closing my two savings accounts on XX/XX/XXXX. One savings account had over XXXX in it and the other has roughly {$500.00}. I was told the process can take 30-60 days. I followed up with them again on XX/XX/XXXX, they were not able to give me any additional information. On XX/XX/XXXX ( today ) I was informed that the smaller of the two accounts was officially closed on XX/XX/XXXX, funds no longer in the account but could not confirm if a check was mailed. I confirmed they had the correct mailing address but I still have not received the check. She informed me that the larger account was still locked with my funds in there but has not been closed. No further information given. This is my second complaint and o am concerned where the funds from the smaller account have gone and why the larger account isnt been closed. They are holding onto my money. I am currently trying to buy a home which is now impossible because I dont have access to my money.

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 2021-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Equifax is reporting fraudulent activity on my account. I disputed the items, sent a certified letter with the proof they asked for and called them. They are still reporting the fraudulent activity even after I submitted my Driver 's license, FTC affidavit and explanations on how my identity could have been stolen. My driver 's license was stolen in 2018 and my email was hacked, along with my information being hacked at a hospital. Theives have my name, SSC #, email address and DOB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am an identity theft victim. I have credit freezes placed at all 3 credit bureaus and at XXXX XXXX. I don't have any accounts with TD Bank. 
on XX/XX/XXXX I received a TD Bank statement for an account that I did not open. Called customer service but could not get to any person. 
on XX/XX/XXXX went to TD Bank XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XX/XX/XXXXNYXXXX. The manager XXXX XXXX was very helpful. She called Fraud Specialist XXXX XXXX XXXX and reported the fraud. Apparently two accounts were opened online, one checking and one saving. Ms. XXXX gave me the direct number for Fraud Resolution Department. 
For good measure I also called TD Bank Fraud Resolution Department and reported the fraud to XXXX. She said that she closed both accounts. 
I thought that it the end of it yet on XX/XX/XXXX I received another TD Bank Statement. Called their Fraud Resolution Department and spoke to XXXX. She said that the accounts were closed but she could not explain why I received another statement. 
It is also difficult to understand how a bank can open an account to my name while I have security freezes placed at all 3 credit bureaus and at Chex Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I had mailed a letter to Transunion back in XX/XX/2021 regarding fraudulent reporting on behalf of XXXX XXXX regarding payment dates on a closed Collection account which is still affecting me negatively. I called in to Transunion to check on the status to make sure they received letter about XXXX weeks later and went and filed a dispute over the phone with one of their representatives. It has been over 30 days and this has not been removed from my Credit Report nor has it been updated yet.

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 2021-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: KY

Complaint narrative:
on XX/XX/2021 I called First Progress to settle an outstanding credit card bill. I was told that if I paid the bill in full and not settle that they would agree to remove the account in its entirety. Well the account has not been removed at all from my account. I have called on several occasions and the customer service reps are no help at all and refuse to transfer me to a supervisor

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
XX/XX/XXXX is reporting fraudulent activity on my account. I disputed the items, debt a certified letter with the proof they asked for and called them. They are still reporting the fraudulent activity even after I submitted my Driver 's license, FTC affidavit and explanations on how my identity could have been stolen. My driver 's license was stolen in 2018 and my email was hacked, along with my information at a hospital. Theives have my name, SSC #, email address and DOB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Not only is this account more than 7 years outdated but the amount owed is inaccurate. When I initially tried to pay on this debt, I was told to come into the store to pay. At the time I just moved to XXXX XXXX for XXXX so I tried to voice my frustrations with the whole process and that I wasnt comfortable giving my information over the phone. This debt that is owed is more than 7 or 8 years old. When I asked the company for 1 ) proof of debt & 2 ) date of delinquency, they neither responded nor changed the misinformation. This account for some reason keeps reporting month to month, current when I havent done business with this company in years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: MN

Complaint narrative:
Transunion 's site and phone don't work. You get connected to a TRAINEE who knows nothing about the American Credit system. 

What a joke. 

They are putting my account in collections when it is paid off. Their website says " too bad, call the number or mail it in ''. The number sends you in loops. CALL IT! 

Also XXXX needs to be REMOVED. They put my loans in DEFAULT for NO REASON and were NOT mailing me. They were sending emails to an address from XXXX  that XXXX held when I XXXX. NEVER KNEW THEY EVEN SOLD IT!!!!!!!!!!! 



This takes forever and hurts my credit. Their MADE UP RULES ARE HURTING OUR SCORES. 

I am a 100 % XXXX Veteran. 

THEY DONT CARE ABOUT XXXX PEOPLE AT ALL

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 2021-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX there is no third party involved. I am submitting this complaint on my behalf. I sent a letter about validation of debts, it's been more than 60 days after the fact and I have not gotten any response. Consumer reporting agency have not carried out their responsibility ordered under the law. I feel that they are exploited and being disregarded about my disputes. If they can provide me proof that the dispute items are my debt. It need to be deleted as soon as possible. Inability to follow these government guidelines by credit reporting agencies are researched by the Federal Trade Commission ( see 15 USC 41, et seq. ). Likewise, Section 611 ( a ), it is doubtlessly expressed that an inability to explore these things inside 30 days gives motivation to quickly removed those items from my credit report it has been more than 60 days so they ought to deleted promptly. I request these accounts be deleted promptly or I will petition for prosecution because of the pressure that you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: LJ Ross Associates
State: TN

Complaint narrative:
These accounts have either been sold or transferred. According to my findings, I am no longer liable for the alleged debt, and no written communication, contract, or signature exist. A bill without a signature does not indicate that the debt is valid, and anyone may file a bill and claim ownership. I don't owe this debt, this is and attempt to a violation of the FDCPA section 809 it state if you can not validate the debt, you must request all credit reporting agencies to delete the inaccurate information from my credit report IMMEDIATELY!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: GLA Collection Company, Inc.
State: TN

Complaint narrative:
These accounts have either been sold or transferred. According to my findings, I am no longer liable for the alleged debt, and no written communication, contract, or signature exist. A bill without a signature does not indicate that the debt is valid, and anyone may file a bill and claim ownership. I don't owe this debt, this is and attempt to a violation of the FDCPA section 809 it state if you can not validate the debt, you must request all credit reporting agencies to delete the inaccurate information from my credit report IMMEDIATELY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
I closed an account and its still showing that I just opened it and yet they still never showed that I payed it off TEN TIMES

Company response to consumer: Closed with explanation