vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-20 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:
I have been a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Protection Association, L.P.
State: GA

Complaint narrative:
This debt has been placed on my credit. No knowledge of this debt the residence this only debt I never live there try to dispute the death of XXXX XXXX XXXX XXXX will experience I’m able to they want to collect $XXXX   and which I don’t know why and I don’t know when it’s wet come from trying to dispute it and try to get information about it with no of course.

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 2019-08-20 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: NY

Complaint narrative:
I have been a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20 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: NY

Complaint narrative:
I have been a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I signed up for a Citi account through a promotion that offered a $XXXX bonus after 60 days for depositing $XXXX in new funds into a new checking account and an additional $XXXX for savings account. I satisfied this $XXXX  deposit requirement on XX/XX/XXXX. On XX/XX/XXXX I reduced the account balances to $XXXX   minimum required to avoid monthly fees. This is beyond the 60 day requirement for the $XXXX  deposited. I then received a strange notification about my *New* Citi account (now several months old) was then alerted that the required deposit balances were not met.When doing research it appears that this is a routine problem for Citibank customers - deceptive marketing to capture customers and trying to avoid paying these bonuses.

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 2019-08-20 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: AES/PHEAA
State: KY

Complaint narrative:
Called company about their reports to credit report company. I pay XXXX$ a month and they stated my interest is XXXX$ a month so I’m short XXXX$ a month on interest so my balance only should be going up XXXX$ a month and they are reporting it’s going up XXXX$ every month

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: CO

Complaint narrative:
I have a mark on my XXXX Credit report showing that I failed to pay an "original balance" of $XXXX from XXXX XXXX. It states that the "Date Opened" (of the account) is XX/XX/2019. It is now in the hands of Southwest Credit Systems (XXXX XXXX XXXX, XXXX, TX XXXX). It shows an Account # which I have never seen before.I have no accounts with XXXX XXXX. I have not had any account or accounts with them in over a decade. I was never notified of any such debt. This negative mark is hurting my credit score and it has been for several months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: MI

Complaint narrative:
I've unsuccessfully reached out to LJ Ross Associates INC this bill from XXXX  XXXX XXXX is not a bill I owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I recently sold a pair of XXXX Sneakers to a buyer located in MI on XX/XX/XXXX for a total of $XXXX  through the website XXXX, Payments were sent through the company PayPal. After both companies took their share of the sale I was left to get paid a sum of $XXXX to my PayPal account where I would be able to transfer the money to a bank account to retrieve it. PayPal has a policy that the company holds all payments until 24 hours after they can confirm items delivery, meaning since my item was delivered XX/XX/XXXX at XXXX I should be able to access the fundsXX/XX/XXXXat the same time but this was not the case. I then contacted PayPal & was able to get to speak to a manager named XXXX where she was able to release my funds from a hold they had over the money. I then tried to transfer the funds to a bank account linked to my PayPal account but the company did not accommodate a instant transaction as which was selected & my money was placed back on a hold for no reason for 72 hours as a employee told me over the phone, I then was able to reach another manager named XXXX where he mentioned It was a system glitch & I would be able to get my money out at a local XXXX. I then drove to XXXX only to get told by a customer service representative that I could not receive my money & that it was on PayPals end why I could not. I then called PayPal to explain the matter to where I was being hung up on over & over when trying to reach another supervisor. Eventually I was able to reach another supervisor by the name of XXXX, where he gave me the run around saying my account was limited & that it raised suspicion to their security system to which he replied if I sent them a picture of my Identification I would be able to get my account back in good standing to get my money. I did everything I was told & sent him the picture to where he said he would personally lift the hold on my account & I would be able to go to XXXX to access my money since he suggested he wouldn’t try a bank transfer. I then attempted to take money out at XXXX   but still the same issue arises. I am now left with no options seeing as though I am unable to get anyone from the company employees/supervisors that can tell me why I am unable to receive MY money. I now just have a account that says I have money their I can use when in actuality I am unable to do anything with it. After searching this very matter online I seen so many other complaints with the same matter to where I think now the company is committing fraud & holding peoples money doing whoever knows with it. This is a disgrace & highly unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Ca XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Va XXXXXX/XX/2019Re: Acct XXXX Comenity Bank		Dear: XXXX XXXX   You are hereby notified under provisions of Public law 95-109 and 99-361, also known as the Fair Debt Collection Practice Act, that your services are no longer desired.Please remove me from you files and or computer systems.Cease & desist all attempts to collect the above debt. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and the State of California Attorney General’s Office. I will pursue all criminal and civil claims against you and your company.Let this letter also serve as your warning that I may utilize telephone recordings devices in order to document any telephone conversations that we may have in the future.Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to be by law.Best Regards.XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Ca XXXXLVNV Funding LLCC/O Resurgent Capital Services XXXX XXXX XXXXXXXX, SC XXXXXX/XX/2019Re: Acct 01 XXXX XXXX XXXX XXXX		Dear: LVNV Funding LLC   	You are hereby notified under provisions of Public law 95-109 and 99-361, also known as the Fair Debt Collection Practice Act, that your services are no longer desired.Please remove me from you files and or computer systems.Cease & desist all attempts to collect the above debt. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and the State of California Attorney General’s Office. I will pursue all criminal and civil claims against you and your company.Let this letter also serve as your warning that I may utilize telephone recordings devices in order to document any telephone conversations that we may have in the future.Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to be by law.Best Regards.XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Called company about their reports to credit report company. I pay XXXX$ a month and they stated my interest is XXXX$ a month so I’m short XXXX$ a month on interest so my balance only should be going up XXXX$ a month and they are reporting it’s going up XXXX$ every month

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 2019-08-20 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: KY

Complaint narrative:
XXXX XXXX, File Number: XXXX Re: EquifaxI have sent them numerous letters from my self and print outs and copies of pay history from XXXX XXXX showing there was not a late payment made. An extension had been given and therefore the account stayed current with 0 thirty day late payments. However they refuse to correct this error claiming they contacted the bank, yet I have also spoken with them and confirmed I have never been late, filed with their own internal review, and been sent the documentation I sent to Equifax showing there were no late payments made. This may be their revenge for the fact my personal date was one of those hacked thru their system and I am in line to receive compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is reporting an account with XXXX XXXX which is not correct. I was in the military at the time and contacted XXXX and sent them my orders showing I was being XXXX  and to place my services on hold. At the time they agreed to do so just as the other utility companies had done. I was XXXX   XX/XX/2014 and returned XX/XX/2014 when I returned I was told that the services were never placed on hold as they had agreed. They indicated that I owed money before I would be able to have my services reactivated that it there services were terminated due to no payment. Again I had spoken to them and sent them my orders showing I was being XXXX   and they agreed to place on hold for which they did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I purchased a mobile home together with the lot and closed on XX/XX/2019.  The attorney obtained a payoff demand letter for balance due of $XXXX (see attached) from the lender, Mr. Cooper aka nationstar. The closing agent/attorney wired the funds and was accepted by lender.  The lender has failed to release the lien against the mobile home as of this date even though it is required by state of Florida to file release within 10 days of payoff (see attached state form).  My attorney has requested number of times (see attached emails) for the release but get the run around.  Without the lien release I can't have the mobile home reg. in my name.  Further more the county tax collection won't let me retired the home to the lot.  I can't sale the property either.  I do hope the bureau can assist me in this matter and have the lender release the lien for which they took my funds for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX XXXX 1XXXX XXXX XXXX XXXX, Ca XXXXXXXX XXXX XXXXC/O XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXXAugust 20, 2019Re: Acct 01 Comenity Bank Victoria Secret		Dear: XXXX XXXX XXXX   	You are hereby notified under provisions of Public law 95-109 and 99-361, also known as the Fair Debt Collection Practice Act, that your services are no longer desired.Please remove me from you files and or computer systems.Cease & desist all attempts to collect the above debt. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and the State of California Attorney General’s Office. I will pursue all criminal and civil claims against you and your company.Let this letter also serve as your warning that I may utilize telephone recordings devices in order to document any telephone conversations that we may have in the future.Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to be by law.Best Regards.XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Second Round Limited Partnership, Austin, TX Branch
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXXSecond Round LPXXXX XXXX XXXX XXXX XXXX, Tx XXXXXX/XX/2019Re: Acct 01 XXXX XXXX		Dear: Second Round LP   	You are hereby notified under provisions of Public law 95-109 and 99-361, also known as the Fair Debt Collection Practice Act, that your services are no longer desired.Please remove me from you files and or computer systems.Cease & desist all attempts to collect the above debt. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and the State of California Attorney General’s Office. I will pursue all criminal and civil claims against you and your company.Let this letter also serve as your warning that I may utilize telephone recordings devices in order to document any telephone conversations that we may have in the future.Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to be by law.Best Regards.XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
Dear CFGYesterday XX/XX/19 at Wells Fargo on XX/XX/XXXX in XX/XX/XXXX NMI tried to cash check for about $XXXXWF refused to cash it, unless I opened an accounteven tho I bank w WF for over 20years, including home mortgage, credit card, personal/business services etcThis seems fraudulent attempt by WF forcing account openingSincerelyXXXX XXXXcell XXXXXXXX

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 2019-08-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On Wednesday, XX/XX/XXXX, I submitted a transfer for the full amount of my "Ally Invest" account to my Ally Bank Savings account, as the funds were being managed very poorly and losing value very quickly. Since that time, Ally has continued to "kick the can down the road" and give poor reasoning for why the funds have not been transferred between my accounts which are at the same institution including the funds needing time to "settle" after being divested. When bringing this matter to the attention of management at Ally Invest, my chat was abruptly ended after asking to speak with his manager, as I was very unhappy with the way he, and the company as a whole, was treating me. What I fail to understand is how a company can get away with ignoring my direct instructions to transfer my money back to me. They did a bad job, and I wanted it to end.

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 2019-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXXXX/XX/2019Re: Acct XXXX  Comenity Bank		Dear: XXXX XXXX XXXX   	You are hereby notified under provisions of Public law 95-109 and 99-361, also known as the Fair Debt Collection Practice Act, that your services are no longer desired.Please remove me from you files and or computer systems.Cease & desist all attempts to collect the above debt. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and the State of California Attorney General’s Office. I will pursue all criminal and civil claims against you and your company.Let this letter also serve as your warning that I may utilize telephone recordings devices in order to document any telephone conversations that we may have in the future.Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to be by law.Best Regards.XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I co-signed for a loan in XX/XX/XXXX. In XX/XX/XXXX my son was in a car accident and the insurance company deemed it totaled in early XX/XX/XXXX.   XX/XX/XXXX my son called the lender , credit acceptance , to get payoff status.  They informed him it was in a repossession status’s abd there was nothing he could do at this point.  I personally contacted the lender. They informed me it was due to not receiving proper documentation from the insurance company.   They mentioned they attempted to contact myself and my son numerous times however we both received nothing.  I feel they’re being unfair and not willing to assist with this error that was obviously caused by miscommunication. My son has never been late on his payments

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 2019-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
On XX/XX/2019, I submitted a fax to request my Early Warning systems consumer report to be delivered electronically. As of today, I have not received my report. FCRA laws outline my authority to request these consumer reports so I may review them for accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XX/XX/2019I XXXX XXXX XXXX been trying to open a Checking and Savings Account@ Chase Bank and for years I am unable to open a Account because, they tell me I have a Account Open, online, and I go to the Branch to solve this matter and still not done.

Company response to consumer: Closed with explanation