vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-10 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: Early Warning Services, LLC
State: NY

Complaint narrative:
Early Warning Services ; XXXX XXXX XXXX XXXX XXXX XXXX , AZ XXXX Reporting Inaccurate And Fraudulent Information On My Consumer Report. Report Shows a Debt Owed to XXXX  XXXX XXXX And Closed Checking Account as A Result Of Suspected Fraud Activity. This Report Has Been Disputed by Me and Was Not Removed From My Early Warning Systems Consumer Report and XXXX  Consumer Report. Please Remove These Derogatory Marks Under the FCRA This Unverifiable and Inaccurate Information should be Removed From My Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
PayPal promised me that my limitations and account will be back to normal standing after paying a negative balance Days later I get notified that I can no longer do business and my account is permanently limited after following their instructions My assets is stuck in my account I am trying to sell my XXXX  and withdraw my assets They are not allowing me to I will be disputing the payment I made to them to my bank for harassing me into paying a negative balance and not giving me what I want

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
TD Bank does not seem to be responding to any of my messages concerning issues I am having with XXXX. I have transferred XXXX XXXX from TD to XXXX  and they have been locking me out of my own account and ignore all my messages. TD does not seem to responding to my reports that the entire this is a fraud. I can not log into XXXX right now and TD Bank does not have any ways to reverse the transfer. There is something wrong with the entire situation right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My student loans that have been closed for several years are suddenly reporting as new late payment damage on Equifax. This is unacceptable and the accounts must be removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings
State: NM

Complaint narrative:
Looking at my most recent credit report i noticed Ad a Astra recovery services is reporting unverifiable/inaccurate information on my account. according to the type of verification required by Section 809 of the Fair Debt Collection Practices Act.. 

The statute requires that the verification of the identity of the consumer and the amount of the debt be obtained directly from the creditor. Mere itemization of what the debt collector already has does not accomplish this purpose. one of the principal purposes of this Section is to help consumers who have been misidentified by the debt collector or who dispute the amount of the debt. Once again, Mere itemization of what the debt collector already has does not accomplish this purpose. 

Ad astra recovery services have not been able to send me evidence bearing my signature stating that I am legally obligated to pay ad astra recovery services.Ad astra recovery services have not been able to provethat I owed, or was in debt, or ever have been in debt with Ad astra Recovery Services. because of this, Ad Astra Recovery Services must request that all credit reporting agencies delete the entry which they are inaccurately reporting & violating the FCRA & FDCPA law put in place to protect consumers like me from being bullied by debt collectors such as ad astrarecovery services. These false entries by ad astra recovery services are hurting my chances of obtaining credit and need to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: The Law Offices of Quinn M. Kofford, P.C.
State: UT

Complaint narrative:
Hello, to whom it my concern my name is XXXX XXXX ( consumer ). I'm A federally protected consumer, I would like to thank you for the opportunity to address my concerns regarding Law Offices of XXXX XXXX XXXX, XXXX. representing XXXX XXXX XXXX. ( Debt collector ) This 3rd party law office has infringed upon my rights to privacy under the Fair debt Reporting Act 15 U.S.C. 1692 ( a ) On XX/XX/2021 I ( consumer ) have received a Statement in the mail referring to an allegation of an alleged debt from this debt collector. I would like to ask how my location information was gotten, and who provided you consent to communicate with I ( consumer ) During this initial communication debt collector was not confirming location information instead they have accused me ( consumer ) of alleged debt which is under federal violation of 15 usc 1692b ( 1 ) ( 2 ) This Debt collector has communicated with me at an unusual place without prior consent from me, which I would like this Law office to provide me my writing consent of such action. If request can not be provided this will be an illegal action of 15 usc 1692C ( a ) This so could law office has harassed me to coerce payment on a debt they have advertised to me which has ruin my reputation. Is a violation of 15 usc 1692d ( 4 ) This Debt collector has use deceptive and unfair mean to collect debt from me not permitted by law is a violation of 15 usc 1692f ( 1 ) I have disputed the validated of this debt and ceased communication on XX/XX/2021 to XXXX XXXX XXXX XXXX, and still have not received the 5 validation request I asked for, in fact this law office has claimed the Original creditor was epic Emerg Phys integrated which I ( consumer ) was the original creditor. This is a violation of 15 usc 1692g ( 5 ). Debt collector is still commutating with me after i have cease communication with them. this is a violation under 15 usc 1692c ( c ) I have received statement via mail from Debt collector disclosing symbols, which in fact disclose they are in the debt collection business, which is a violation under 15 usc 1692f ( 8 ) debt collector has furnished unlawful information portraying to a collection on my consumer reporting file without my consent. Im am very stunned with this law office breaking the law to coerce payment for their benefit to Undermine the consumer. I will be taking legal proceeding if action is not done to my favor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: MS

Complaint narrative:
On XX/XX/2021 I mailed a letter about inaccurate, misleading, and unauthorize things on my credit report. It has been over 60 days since I sent this letter without receiving any response,. I feel like they are neglecting and ignoring my disputes. According to Section 611 ( a ) any failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, given that it has been over 60 days, these items should be deleted immediately! If these accounts are not deleted immediately, I will file for litigation due to the overwhelming stress this has created in my life. Also, my information was also breach during the equifax data breach and may have gotten into the wrong person hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
My name is XXXX XXXX. I am a student in college and from around the area of XXXX, Pennsylvania. On the day of XXXX I received a check of XXXX $ from a scammer ( as a student I am desperate to find a job right now. One day, I got an email from my school that said this person needs to hire someone to take care of their dog. I got scammed out of XXXX $ because TD Bank cleared a bad check. If TD bank didn't clear the check I would not lose that XXXX . It's a really long story and I also filed a police report for that in case you guys want to take a look at it. Police report number is : XXXX ). I deposited the check on XXXX, 2021 and TD Bank cleared the check on the next business day ( XXXX, 2021 ) with the full amount of XXXX $! Before making a withdrawal and sending the XXXX $ to the scammer I have already called the bank and asked if that check was really good and they said yes the check was good! After that I still waited 2 more days to see if the check still good and then I decided make a withdrawal of XXXX $ from it. ( The scammer told me that XXXX $ is the payment for my first week as a secure position of take care their dog and the rest of XXXX $ they want me to send it to someone else ). 5 days later TD Bank blocked my bank account and didn't even bother to send me an email or give me any call to say that the check was bounced. I had to call them myself once I found out that I can't log in to my bank account. By that time they kept charging me overdraft fee money of XXXX $ for overdraft and they still blocked my bank account. Because I have no access to see my bank account balance so I cant prevent my account from an overdraft. Now I am in a debt of XXXX which I was saving to pay for my tuition. I don't understand why a bank cleared a bad check and gave me access to the full amount of XXXX $!! Then don't tell me anything about the check was no good and keep charging me overdraft fees without my knowledge about what happened. I am a student and the amount of XXXX $ was a really big amount for me. I trusted TD Bank and was their loyal customer for a while but after this incident I will definitely move on to another bank who can protect me and appreciate my money. Below is the proof that the check was cleared by the bank. Lucky that I was screenshoot it before they blocked me. They still block me now and I already pay them back XXXX $ as of today. Their overdraft fee is crazy. I want to share my story to the other people so that others can learn from my experience.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Predatory and deceptive lending and inaccurate reporting to credit bureau plus add on to loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: CA

Complaint narrative:
Ive disputed this account XXXX XXXX XXXX with Experian multiple times and each time have submitted proof that XXXX XXXX XXXX is in violation for their inaccuracies with reporting per the FCRA. Ive submitted documentation showing how they repeatedly reported inaccurate payment history across all three credit bureaus and even so a letter signed by XXXX showing inconsistent and inaccurate information. The letter stated that the account was opened in XX/XX/XXXX but repossessed in XX/XX/XXXX in which this letter came from XXXX XXXX themselves. The account mentioned above has been disputed and everyone XXXX has not marked it as consumer Disputes in the comment section as they are supposed to by law per the FCRA whenever an account is disputed which is a violation. Experian continuously keeps allowing this wrong reporting even when provided with evidence of of such violations and inaccuracies. Across all three credit bureaus XXXX XXXX has not marked any of them as disputed and steadily be in violation. This type of reporting has caused great harm to my credit report and even so denied me a job with the police department which I will attach all evidence to this claim. I plan on taking affirmative action and to court to claim money for damages which is {$1000.00} per violation of such reporting continues

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 2021-03-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
The balance I had on my card was a - {$640.00}. The credit was on the page of the credit card statement for 1 month. Then all of the sudden, the balance was gone and a new balance of {$20.00} was stated on the page except the " beginning balance 0f {$0.00} as of XX/XX/21 '' was also listed on the page, strange. I can show you copies of print outs if you want. Bank of America just took {$660.00} of my money by representing a new balance on the page on credit card # XXXX. XXXX XXXX XXXX, XXXX In addition, they didn't give me the {$300.00} incentive that they promised in the offer for a credit card on card # 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 monetary relief
Consumer complaint received 2021-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I previously filed a complaint regarding Bank of America withholding my {$230.00}. I paid for a gaming system online from a scam company. I never received any gaming from the company and supplied proof that the company was fraudulent. Despite my evidence, Bank of America still refuses to refund my money. 
The fraudulent company ( which has now taken down their site ) sent Bank of America fake tracking information. I went to the USPS and received the REAL tracking information which shows the fake scammers sent first class mail to my address with a weight of ( 13 oz ) not 8-9 pounds that a gaming system would weigh! See Attached. Despite this, after many months ( since XXXX XXXX ) Bank of America has still withheld my money! I am requesting you intervene. I sent your company previous documents, The CFPB from B of A never called me! I want 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 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is reporting accounts open that are closed and was included in bankruptcy chapter XXXX. I have reported this information to them several times and its still showing on my credit report. This accounts were showing closed and discharged under chapter XXXX however it appears they show accounts open again which is inaccurate information. Thi was reported several times in XX/XX/XXXX and XX/XX/XXXX with no resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Back in XXXX - XXXX I attended XXXX XXXX, got XXXX n never went back. Sallie Mae begin calling n mailing payment letters, ( filing a complaint due to the fact my information was forwarded to Navient without my consent or a signed " HIPPA '' ink document. it was address that I have became " XXXX '' in XXXX of XXXX. I was mailed out documents for my doctor to fill out regarding my medical conditions & to get approved for " THE STUDENT FORGIVENESS PROGRAM '' so the student loans would be taken off my credit report with XXXX XXXX XXXX immediately. The documents were faxed and mailed back three times, I was denied. Started receiving threatening phone calls from SALLIE MAE. Then, I tried to consolidate by paying low monthly payments n was " LIED '' to and denied again. The agree was based on my monthly income " XXXX '' that I pay {$65.00} a month, the bill statement would read and I quote : Pass Due amount is {$460.00}. XXXX, + {$380.00} + {$340.00}, on my credit report right now there four different payment amounts they supposely were expecting me to pay. When I addressed in the very beginning and I " QUOTE '' I no longer work, I am now on " XXXX '' and still is to this month/date/year. At one point SallieMae n Navient were taken off my credit report for two months, the following month it was back again. When I know that after 180 days my school debt was already paid and bought by an outsider insurance ; but I am still suppose to pay them approximately close to {$30000.00} in full to them ( SALLIEMAE/NAVIENT. ) I tried to solidate with both and was ignored, direspected, wasn't given proper advice, no good communication, was mislead plus all thee above. Now at this very moment, now I am getting text messafes, harassing phone calls and e-mails coming from Navien. I even tried to dipute both Sallie Mae and Navient with the Credit Bureau and no good news period. All of this is a violation under the " HIPPA ACT '' under the CFPR Act and the CONSTIRUTIONAL LAWS. I am very frustrated right about now. Nobody wants to send me proof of any signed documents with my ink signature on anything I've requested of them or from them. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL

Complaint narrative:
The collection agency XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, IN XXXX, are reporting a {$0.00} debt on my report in which the debt was never paid out to them but to the original creditor. Also, never received any mail concerning any debt owed to this agency. I reached out to this collection agency after reviewing my credit report noticing this error to inform them to remove this account. I have also sent a dispute letter to this agency and have yet to receive any information about this account being deleted. I do not know this company as well as never have done any business with this company. This company does have a contract with my signature.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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 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 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 2021-03-10 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: VA

Complaint narrative:
The complaint is against XXXX investigation result to my dispute : XXXX, XXXX XXXX, and myself we are in agreement that : 1 ) The account was open for a period of almost 3 months 2 ) That the account has been in paid in full in the above mentioned period 3 ) That the account has been closed by my request and not for any other reasons. 
However, myself and XXXX disagree with XXXX on the following : 1 ) the account never have been charged-off nor send to collection in the first place. Kindly look at the duration of this account, 3 months only, which mean that there were to cycles only in this 3 month duration for the due date. so how it is possible that a credit card company in this short period of time try to chase me to pay the balance and when they did not succeed, they send the account for collection, and even this didnt work, so they decide dot Charge-off the account!! all this took place after the first due date of the first payment which will be XX/XX/XXXX and went through till I paid it off and closed the account on XX/XX/XXXX!!!! pls tell me how this is possible!! how XXXX can not see that and making-up their conclusion and what they are showing in the report as a " CO ' which is " Charge-off '' after it have been paid in full and stayed " CO '' for 2 months ( XXXX and XXXX )!!!!!??? 
are the credit bureaus have the right to interpretive the reporting that they receive from a credit company, or they enter in the report as the credit company reported. 
Putting in mind that I had 17 different CC accounts ( which I closed 11 of them in the same time I closed XXXX account ( disputed account ) and my " PAYMENT HISTORY '' in all what I closed and what I have till now open ( 6 of them ) is " EXCEPTIONAL ''!!! pls check my report. 
My question is, what if myself ( account holder ) and the credit card company ( XXXX ) disagreeing off the out come of the relationship, what will happen to my credit and how this issue will ever be resolved.!!??

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