vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Commercial Recovery Systems
State: GA

Complaint narrative:
On XX/XX/XXXX I received a voicemail from a XXXX XXXX, stating that she was from the local Process Server Office and that I will be getting served a subpoena to appear before a Judge to answer charges for a debt Collection. She said that I needed to call the attorneys office at XXXX and speak to a paralegal about settling the debt. She gave me a case number. I called and it ends up being CRS and XXXX our if Texas. I asked the guy if they were a law firm. He said no, they are a debt collection agency. He said that I needed to pay {$390.00} for money I apparently owe to XXXX XXXX XXXX from XX/XX/XXXX. I knew I owed them money for an account that had overdraft penalties but didnt realize it was that much. He said if I dont set up a payment plan, they will sue me in court and will add on charges of defrauding a bank ( which I clearly did not do ). He pretty much intimidated me into trying to make a payment arrangement. 

I looked into them online and found out that they have had numerous complaints about this tactic and they arent a legit law firm.

Company response to consumer: Untimely response
Consumer complaint received 2019-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
I have an account on my credit from Enhanced recovery XXXX XXXXXXXX in the amount of {$920.00} This account do not belong to me. I would like the company to provide documentation including a signed contract with my signature validating that this account belongs to me. If they are unable to provide documentation I want this removed from my credit 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 2019-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I have an account on my credit from I C SYSTEMS COLLECTIONS # XXXX in the amount of {$390.00} This account do not belong to me. I would like the company to provide documentation including a signed contract with my signature validating that this account belongs to me. If they are unable to provide documentation I want this removed from my credit 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 2019-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Transaction details Print Payment sent to XXXX   XXXX|XXXX|FL XX/XX/2019 at XXXX XXXX  PDTTransaction ID : XXXX Payment Status : COMPLETED Payment Type : In Store Purchase Gross amount - {$390.00} USD We have no postal address on file PAYPAL FAILED To INVESTAGE THE CLAIM AT ALL, DENIED IT WITHOUT CONTACTING THE " SELLER '' ( AS THEIR BROKEN SYSTEM TERMS THE THIEF ) FAILED TO EVEN REQUEST ANY DOCUMENTATION OF HOTEL ROOM DAMAGE OR THE HOTEL CONTACT WHICH DETIALED A REFUND WAS DUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 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: Credit Karma, LLC
State: FL

Complaint narrative:
I attempted to Register with Credit Karma via Their website. I utilized and provide all of my personal information, including my SSN and other key identifiable information to create an account only to be told that there was an existing account based upon my personal information with an email which was obviously not mine. 

I searched for a service number as I expected Fraud but realized that they do not accept calls which left me with only the option of creating a ticket of the issue of which I have not received any response as of yet via my email. 

I suspect Identify theft as I have never utilized Credit Karma in the past. I am also a bit disappointed that there was no emergency or customer service Numbers available. This service came highly recommended to me and I wish to clear up the fact that my information is being used by another party which is not me. 

I am having the same issues with my identity and credit repair services with XXXX, XXXX and XXXX. Inaccurate data as well as blocked access to creating an account in the case of XXXX when I never blocked my credit from being seen publicly. 

XXXX has been the most accommodating with issuing a Credit Security feature which means My cell has to be called for any new Credit or any such applications, whereas XXXX has passed me off to what seems to be Overseas customer service operatives from the XXXX and XXXX. 

XXXX seems to be an non existent entity although I attempted online, through their site to Dispute but was locked out after my second and third attempts. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Quantum3 Group, LLC
State: FL

Complaint narrative:
Me and my husband filed for Chapter XXXX Bankruptcy in XXXX. It was discharged on XXXX XXXX, XXXX. The creditor XXXX XXXX was included in the bankruptcy and was discharged with the other creditors. We sold our home and were closing on XXXX XXXX, XXXX. XXXX XXXX XXXX is handling our closing. On XXXX XXXX, XXXX, XXXX XXXX was provided a final XXXX settlement statement from XXXX XXXX XXXX XXXX that was given to us. To our disbelief this statement has a second mortgage listed for {$6000.00} from Quantum 3 Group, LLC. We were confused. We don't have a second mortgage and since we have a VA guaranteed loan, we can not have a second mortgage on our property. I searched for Quantum 3 Group, LLC and contacted them about this fraudulent 2nd mortgage. I spoke with XXXX a customer service representative at Quantum. She informed me that they represented XXXX XXXX. I told her the debt that we had with XXXX XXXX was discharged in the Chapter XXXX. She stated that they had no record of this. She provided me with a claims email address and I emailed a copy of the listed creditors in the bankruptcy and the discharge order from the court, to show that XXXX finance was listed. I called back to make sure they received the email and spoke with XXXX another representative. She stated that XXXX XXXX had a judgement of exemption from the bankruptcy discharge and this was a valid way for them to collect the debt. I asked her to provide me with a copy of this since I have a copy of the bankruptcy closure of estate order. It shows that no creditor was given an exemption to the bankruptcy discharge to collect on an exempt debt. I asked if she would provide me with a copy of this exemption order they had for Quantum 3 Group, LLC to collect this debt. She stated they didn't have to provide me a copy of this ordre. I informed her that I would file a complaint with the CFPB. She told me to go ahead, that was fine. The actions of Quantum 3 Group, LLC on behave of XXXX XXXX, is a clear abuse and infringement of my consumer rights and protections provided to me and my husband under the US Bankruptcy code. It is also holding up the sell of our home. This is a blatant strong arm tactic by big corporations to collect a debt and they are breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: XOOM CORPORATION

Complaint narrative:
I am a XXXX XXXX XXXX  in XXXXl ( XXXX  XXXX University ) and I opened an account in the XXXX  XXXX XXXX to attend emergencies and some purchases when I am in the USA. That's why I did not check this account often. When I went to make a payment there were no funds for the value being that I had funds. That's when I checked the account and found several attempts to fraudulently send my account amounts to an person in XXXX ( from a region known to be a source of illegal immigrants to the US ) by company Xoom.com. In the last two attempts the Bank did not make the reversal and so far I am struggling to prove that I did not even know the Xoom.com company and never had a registration. I already registered occurrence in the police of XXXX, USA and FBI. What else can I do to prove that I was the victim of an internet fraud?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I have an account on my credit from PROCOLLECT # XXXX in the amount of {$130.00} This account do not belong to me. I would like the company to provide documentation including a signed contract with my signature validating that this account belongs to me. If they are unable to provide documentation I want this removed from my credit 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 2019-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XX/XX/2019. Equifax Credit Freeze was unlocked and I spent 2 1/2hr with 3 different women, one posing as a supervisor, trying to get my account frozen again. I played 20 questions with each of them. They all three said they could not Freeze my account even though I was logged into it, because I failed answering 1 or more questions, which they were not allowed to tell me which ones. This coming from a Credit Bureau that was hacked and caused me to have the problem I had. I was told to write a letter putting information on paper and if lost in the mail, then someone else has info. I said I would not do this. 
I went to XXXX and printed out 44 pages of Credit Report. Locked my XXXX account. 
Called Equifax back and tried again. They wanted to go thru the same thing. So I logged back in. It had some selections on the screen and one was " Put a temporary Lift on your account ''. I was told with that on the screen I did not have an unfrozen account. yet when you selected it, it would say YOU HAVE A TEMPORARY LIFT ON YOUR ACCOUNT, IF YOU SELECT THIS IT WILL VOID THE PRESENT LIFT. So to get around them wanting me to send a letter to them, I selected it to void the present LIFT and Put in a LIFT for 1 DAY. Problem solved!! Not one of them mentioned this, but at least the undetermined length of 1st Lift was rectified with a 1 day lift. 
Those people need training and a more straight forward way of doing this LIKE XXXX Web Site!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Solutions Specialist, Inc.
State: TX

Complaint narrative:
I have an account on my credit from RSSI # XXXX in the amount of {$95.00} This account do not belong to me. I would like the company to provide documentation including a signed contract with my signature validating that this account belongs to me. If they are unable to provide documentation I want this removed from my credit immediately.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 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 was told I could not buy a house because I had a bad debt on my credit. I did not know what the debt was for as I have paid all my bills on time. After looking at the credit report I found something from XXXX XXXX saying I owed a big debt, I didn't owe them anything and so I sent a dispute to the credit agencies ( Experian, XXXX and XXXX ). A few months later I had gotten notice that another account for the same thing was put on my report. This new account had different information about the amount and the dates, so I knew it must be fraud. I completed an Identity Theft form and sent it to the credit agencies ( Experian, XXXX and XXXX ). Everyone except Experian has removed both of these collections so I am not sure why Experian is not doing it. They need to remove it because I do not owe XXXX XXXX and I don't have any idea why they have put 2 accounts on my credit report when I don't owe them anything. They are a fraudulent company and they should not be doing business like this. This is ridiculous and I have been working for almost a year now trying to clean my name and Experian is not doing their job.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
I have an account on my credit report from WAYPOINT RESOURCE GROUP # XXXX in the amount of {$150.00} This account do not belong to me. I would like the company to provide documentation including a signed contract with my signature validating that this account belongs to me. If they are unable to provide documentation I want this removed from my credit 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 2019-04-27 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: FL

Complaint narrative:
I attempted to Register with XXXX XXXX via Their website. I utilized and provide all of my personal information, including my SSN and other key identifiable information to create an account only to be told that there was an existing account based upon my personal information with an email which was obviously not mine. 

I searched for a service number as I expected Fraud but realized that they do not accept calls which left me with only the option of creating a ticket of the issue of which I have not received any response as of yet via my email. 

I suspect Identify theft as I have never utilized XXXX XXXX in the past. I am also a bit disappointed that there was no emergency or customer service Numbers available. This service came highly recommended to me and I wish to clear up the fact that my information is being used by another party which is not me. 

I am having the same issues with my identity and credit repair services with TransUnion, XXXX and XXXX. Inaccurate data as well as blocked access to creating an account in the case of TransUnion when I never blocked my credit from being seen publicly. 

XXXX has been the most accommodating with issuing a Credit Security feature which means My cell has to be called for any new Credit or any such applications, whereas TransUnion has passed me off to what seems to be Overseas customer service operatives from the XXXX and XXXX. 

XXXX seems to be an non existent entity although I attempted online, through their site to Dispute but was locked out after my second and third attempts. 

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 non-monetary relief
Consumer complaint received 2019-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: XOOM CORPORATION
State: CA

Complaint narrative:
Ive been using Xoom for several years. In my recent transaction, Xoom asked me to provide Identification proof to meet compliance requirements before they can process the transaction, which is understandable. However, the Identification proof Xoom requested ( eg Driver License, Passport, or state ID ) contains sensitive Personal Identification Information ( PII ) such as Date if Birth. Yet, as I spoke with Xoom customer service, the only two ways that Identification proof can be submitted to Xoom is either through email to Xoom Customer Compliance <cc-requests@xoom.com>, or send to their fax number. 

A shared email folder or a fax is NOT a secure way of collecting customer PII, especially sensitive PII like date of birth or full social security number. The email box and fax can be accessed by multiple personnels without clear accountability or traceability on who accessed what. For that reason, I have to cancel the transaction and stop using Xoom until Xoom improves security and privacy practices. 

As a certified security professional myself, I feel obligated to report this insecure PII practices by Xoom since general customers may not have sufficient knowledge on how to protect their own PII. Id suggest customers to stop using Xoom until they provide more secure way of collecting and handling sensitive PII from customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
On XXXX 2018 I had a credit card with a limit of {$5000.00} dollars taken out under my account with Navy Federal Credit Union. I filed a police report and sent it out to all three major credit bureaus to resolve the issues and make progress to restore my credit in XXXX of this year. I also sent police report to Navy Federal but my claim was denied and I haven't received an answer to why. I have two other bank accounts that are open and didn't use my Navy Federal account which lead me to not have any knowledge of these fraudulent accounts for a while. Once I got the items removed from my credit report after about a month its showed back up on my reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: MN

Complaint narrative:
After I applied for this account, Discover agents had been trying to stop me using this account by all means. They first started with asking for me for XXXX form and State ID information. After I had submitted those forms and information, I asked an agent if the information I submitted was good, he said yes. And then a few days later, another agent contacted me and said that they could not approve my information. So I asked for the reason, she could not explain it clearly to me, just saying that you may need to reapply later.

And after Discover closed my account on XX/XX/XXXX, I called the customer service center to check what exactly happened to my account, the agent then responded with the statement that " there is a duplication of my social-security information, and the accounted was closed because we received no response from you. '' Ironically, I have never received a phone after my ever since the second Discover agent contacted me.

So I tried to reapply, but every single time, Discover declined my application for the reason that there is an existing Discover account. Honestly speaking, I don't know how Discover operate my account, but it seems that did not close my account completely. Now I could neither use my account nor reapply for it. And I also received a message that Discover had reported to the credit bureau for the forceful account close, which had significantly affected my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital one is not provide accurate information to XXXX XXXX and XXXX regarding credit usage and payment history regarding my credit report and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: John C. Heath, Attorney at Law, PLLC
State: NY

Complaint narrative:
I entered into initial agreement to repair credit. CS Rep said she would forward copies of letters sent to creditors but I did not receive. Agreed to make monthly payment with an option to cancel. When I wanted to cancel i was unable to reach anyone at Lexington law except for new customer intake. I called numerous times and waited on hold for hours. Payments made XXXX and XXXX were charged back by my financial institution. No repairs were made to credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-27 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: CA

Complaint narrative:
I was told I could not buy a house because I had a bad debt on my credit. I did not know what the debt was for as I have paid all my bills on time. After looking at the credit report I found something from XXXX XXXX saying I owed a big debt, I didn't owe them anything and so I sent a dispute to the credit agencies ( XXXX, TransUnion and XXXX ). A few months later I had gotten notice that another account for the same thing was put on my report. This new account had different information about the amount and the dates, so I knew it must be fraud. I completed an Identity Theft form and sent it to the credit agencies ( XXXX, TransUnion and XXXX ). Everyone except XXXX has removed both of these collections so I am not sure why XXXX is not doing it. They need to remove it because I do not owe XXXX XXXX and I don't have any idea why they have put 2 accounts on my credit report when I don't owe them anything. They are a fraudulent company and they should not be doing business like this. This is ridiculous and I have been working for almost a year now trying to clean my name and XXXX is not doing their job.

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