vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX i refinanced and paid Citizens bank in full for my first mortgage and homeEQ account. 

At that time The account was closed and i was unable to draw any money from this home equity account. 

I noticed in the coming months that the home EQ account was still showing in my profile but i didn't think anything of it because it has XXXX balance and no interest was being charged. 

I XX/XX/XXXX i received a notice that i needed to pay XXXX to close the account which i paid. XX/XX/XXXX In XX/XX/XXXX i get a notice that XXXX was charged to my account. I called to find out what is going on and after multiple days of being left on hold transferred to multiple departments i was told that they need flood insurance for this loan and the added a forced policy. I explained that the loan was paid and it has XXXX balance and i am unable to use the line of credit because it is closed. They told me they see the issue and will reverse the charges. 

Now in XXXX i get a bill in the mail for interest on the XXXX and a request for another XXXX dollars to close the line. I have called and as i write this complaint i have been on hold and 1.5 HRS and talked to some one told them the issue and they disconnected me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: ProCollect, Inc.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... PRO COLLECT ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2021-06-02 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
never applied for any credit cards as i have been working to improve my credit score in the last months. I regularly check my credit report and noticed one day on XX/XX/2021 I had my credit pulled for a inquiry I have never made. I have tried calling Goldman Sachs and XXXX  and nobody has been able to even locate the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: TX

Complaint narrative:
I have tried several times to dispute the inaccurate information as this accounts not mines. The credit bureau and collection agency have failed to remove the account and have not provided me with any proof that this is my account. I have no knowledge of this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). As I know it would affect my futures credit deals, I would like it to be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I previously held a capital one 360 checking account, that was closed for overdrAft of $ XXXX. Unbeknownst to me, I had my PPP funding loan deposited into the account despite the account being closed. Now capital one has the funds on hold and hasnt returned them to the lender so that they may be redistributed. I havent gotten no answer or response from capital one to date about returning the funds to the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There is an unidentified collection account reporting to my credit report. I have reached out the the bureau on XX/XX/XXXX & XX/XX/XXXX to explain the account is in violation because it does not provide the name, telephone, and email address of the creditor. 
Please see the attached letters that were sent and a copy of the credit reporting issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file :

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 2021-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MI

Complaint narrative:
I C Systems placed a collections and theres 0 information on it. There has to be an error.

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 2021-06-02 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: GA

Complaint narrative:
The items i will list will be items that DO NOT BELONG TO ME. The belong to someone with a similar name : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # 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 2021-06-02 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: GA

Complaint narrative:
The items i will list will be items that DO NOT BELONG TO ME. The belong to someone with a similar name : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have no knowledge of this account. This account does not belong to me. I have never had an account with Midland and it also shows it is collecting on behalf of XXXX XXXX. Neither do I owe XXXX  XXXX any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal closed my account for no reason and could not help me getting it back 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 any help from them. I just remembered I could file a report here as I feel they are not doing their job appropriately as it has really affected me a great deal especially during these hard times as I have been using PayPal frequently. I'm really suffering as I can't even withdraw funds from my account. My email linked to PayPal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: TX

Complaint narrative:
PayPal authorized a refund that I did not approve. The item I sold was sent to the buyer who refused to sign for the item cause it to come back unclaimed ( return was not authorized nor was it returned properly ). The item never returned to me yet PayPal went in and stole my money. They brush me off and say go to XXXX who provides a number that isnt in service

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). As I know it would affect my futures credit deals, I would like it to be taken care 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 non-monetary relief
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Commonwealth Financial Systems, Inc.
State: LA

Complaint narrative:
I higher XXXXXXXX XXXX  to help with my credi and I also hired XXXX  to clean my credit so that I could build a home and go back to school also to get my student loans back in good standings. I have tried to contact this common financial at this number that they finally provided on the web an its not an active number. Not to mention the fact that they had several different social security numbers that were not mine listed on this false account to begin with that they are claiming is mine to start out with. I do not recall ever being at this place and what they provided for XXXX  credit repair either I did not recognize at all. I have tried to get as much information as I could and I still do not know anymore about them nor was I able to get in touch with them at all the information they provided. I am kind of upset with XXXX credit Union bureau as well because I dont think they should have the right to delete the social security numbers either until I was able to get to the bottom of all of this. Also I dropped dramatically in my credit score and didnt see any good reason why I should have or was not giving me any reason why and I would like an explanation for thst also. If you could get to the bottom of this I would greatly appreciate it I have been working so hard for the past year or more on my credit and I dont feel like I have gotten very far at all because they keep dropping me dramatically and I feel like its all about keeping me for the money at this point and just nothing more. I feel just like they have no care about me and put me on the back burner kinda and my stomach is just got this worrying pit day after day because of this. I feel like I will never get right with my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I initially had made a purchase from XXXX XXXX in XX/XX/XXXX. Upon getting the products there were issues, so I requested a return label from XXXX XXXX, which they provided via email. I returned the products and received a refund without issue. About a month later XXXX XX/XX/XXXX XXXX, I received a charge to my checking account for the exact amount of the original order, after having already returned the products. I reached out to XXXX XXXX to see what this charge was for, and after speaking to multiple levels of management, no one was able to figure out what it was, or even see the charge on their end. I was advised to reach out to my bank ( TD Bank ) and told that they would be able to resolve it. I reached out to TD customer service, and filed multiple claims on this charge that took my account well into the negative. One after another, they were all getting denied and TD told me to contact XXXX XXXX to resolve this. I then provided TD with proof that XXXX XXXX could not see the transaction on their end, and therefore could not reverse anything. I was reaching out to TD Bank daily to try and resolve this, as I had become late on my bills, rent, living money, etc. but was told time and time again this was XXXX XXXX XXXX issue. After not receiving any help from either side, I visited a TD branch thinking they may be able to help more hands on. That was not the case. After spending 2-3 hours in the branch every time, nothing was resolved. After continuing to call, TD then informed me that they would be shutting down my account and that I could no longer bank with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
never applied for any credit cards as i have been working to improve my credit score in the last months. I regularly check my credit report and noticed one day on XX/XX/2021 I had my credit pulled for a inquiry I have never made. I have tried calling XXXX XXXX and Transunion and nobody has been able to even locate the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
OnXX/XX/2021, I notified credit reporting agencies that they violated the 15 us code 1681 and 15 us code 1681b ( FCRA ). As I know that this will surely affect my further credit deals, I want this to be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
XXXX XXXX they gave me a price I paid for the first and last month and out of no where they changed the price they tried to charge my credit card for more than {$1000.00} for my credit card money that I did not have in the bank and I told them I was going to cancel and I was going to get a new insurance company cuz the price went up too much and they try to say that I owe them money I do not owe this people money because I gat a new insurance company have new insurance company and I have all the proof from the bank they try to take money that I did not have in the bank and I want to get a lawyer and take these people to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I've had a Citi Bank Card for years and haven't had any problems, in the last two months I've had to Cancel my card twice.

I keep getting fraudulent charges on my card, it seems to go thru, I asked the Credit Card Company what I can do to prevent it and really didn't get my answer. I know it's hard to stop this stuff but twice in two months? And then I have to wait on another Card, I know it takes time to send them out.

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 2021-06-02 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
These accounts dont belong to me. Please remove them from 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 XXXX  Account NumbeXXXX : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian, XXXX, and XXXX  have been reporting an XXXX XXXX account {$4600.00}, XXXX XXXX Account {$0.00}, XXXX  XXXX XXXX account {$3700.00}, and XXXX XXXX XXXX XXXX XXXX account {$0.00} Limit {$3000.00} that I did not give my written consent to them to report anything. As stated in 15 USC 1681 ( b ) ( 2 ) Permissible Purposes of Consumer Reports. " In accordance with the written instructions of the consumer to whom it relates. '' I have tried numerous of times to get these items removed and each time they respond with they verified these accounts which is false. According to 15 USC 1602 I am the original creditor, and only the original creditor can validate a debt, which I do not.

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 2021-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: FinCo Services Inc DBA Current
State: MO

Complaint narrative:
IRS deposited {$1200.00} stimulus check in Current.com account # XXXX RTN # XXXX in XX/XX/XXXX after I filed tax requirements since I didnt receive it earlier. I filed tax through Liberty tax services and IRS STILL lists it as pending in system. I was given a XXXX XXXX  card that the deposit was to be put on, but they did put {$1400.00} stimulus check on that card. I only got this info recently from IRS TAX ADVOCATE to assist in contacting for getting money returned to IRS or for them to provide access to the account. 

I have not had this account but according to TAX ADVOCATE ITs in my name. Ive called and left messages plus emailed requesting them to call me, but they refuse to contact me since I DO NOT HAVE THE SAME PHONE NUMBER AND/OR EMAIL ADDRESS they have on file for account. I cant talk to any body to get any info or help from the company CURRENT.COM. The IRS has already placed a trace on this deposit with no reply from them either. Ive also contacted XXXX Bank because I was told Current.com bank belongs to XXXX XXXX  at some point when trying to call thru operator answering phones. Current.com phone is XXXX. My IRS TAX ADVOCATE phone is XXXX she can be contacted for helpful info.

Company response to consumer: Closed with explanation