vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-05 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

DEPTEDXXXX XXXX {$230.00} DEPTEDXXXX XXXX {$3500.00} DEPTEDXXXX XXXX {$910.00} DEPTEDXXXX XXXX {$190.00} DEPTEDXXXX XXXX {$120.00} DEPTEDXXXX XXXX {$460.00} DEPTEDXXXX XXXX {$3400.00} DEPTEDXXXX XXXX {$3500.00} DEPTEDXXXX XXXX {$2200.00} DEPTEDXXXX XXXX {$1200.00} XXXX XXXX {$1200.00} XXXX XXXX {$630.00} XXXX  XXXX {$410.00} XXXX XXXX XXXX   XXXX {$440.00} XXXX XXXX XXXX   XXXX {$430.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$18000.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX {$650.00} XXXX XXXX XXXX {$440.00} XXXX/XXXX  XXXX {$570.00} XXXX XXXX XXXX XXXX {$650.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 2020-03-05 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: EQUIFAX, INC.
State: LA

Complaint narrative:
i paid XXXX XXXX XXXX XXXX XXXX $ for the collection in XXXX and they havent took it off of my credit for Equifax.i sent in the money order and spoke with XXXX from XXXX XXXX XXXX XXXX before i sent off the letter.They Removed it From XXXX but not the other bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9500.00}, {$5900.00}, {$2900.00}, {$3900.00}, {$16000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response o utlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 


-- CLOSED ACCOUNTS -- 3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my 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 2020-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: The Nguyen Law Firm, PLC
State: VA

Complaint narrative:
I received a notice from a debt collector on behalf of XXXX XXXX, XXXX , XXXX XXXX XXXX, XXXX. for {$300.00}, which includes a principal of {$230.00} + Attorney 's Fees : {$77.00}. The attorney 's fees are being incurred at the expense of the agency seeking further payment and XXXX XXXX XXXX will not be paying these fees outside of what my insurance allowed. I, XXXX XXXX XXXX do not deny or confirm that this debt is a valid debt. I have no knowledge of how this matter was coded or billed. However, I do acknowledge being seen at XXXX XXXX, XXXX, and XXXX  by a physician that constantly mispronounced my name as " XXXX XXXX '' instead of XXXX ( " XXXX '' ). I further acknowledge this bill being paid by my private insurance and in consideration that my quota ( deductible ) has been met, I will not pay or advise further payment from any other source, including but not limited to Worker 's Compensation benefits managed by XXXX XXXX XXXX, wages, retirement benefits, housing, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
After reviewing my credit report I found inaccurate items that have not been verified according to the FCRA guidelines 623,611 please remove the following account they are not accurate : XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX   XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX # XXXX I intend to pursue litigation in accordance with the FCRA to seek relief  and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed are not deleted 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 2020-03-05 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:
Fraud accounts and inquires appearing on Experian and XXXX  report. 


XXXX account XXXX XXXX account and several inquires.

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 2020-03-05 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
State: DE

Complaint narrative:
PayPal is holding {$28000.00} of my money collected from my clients over the past three years and they are not letting me have it. 

I was actively using PayPal since XXXX  and I never had a single major issue. They were always pretty nice to me and we got along pretty well. 

I trusted PayPal for storing my funds in it, and over the course of the past three years, I've collected more than {$30000.00} on it. 

On XXXX I received an email from PayPal asking to prove my identity. I thought this was some kind of routine check that PayPal does. I didn't bother to check the future. I provided my passport picture and my bank statement picture. 

Please note that I provided these multiple times before when requested, and I never had a single issue. 

On XXXX when I had around {$28000.00} in my PayPal balance I received an email from PayPal stating that my account has been permanently limited and that my funds are frozen in my account. 

I called multiple times for an explanation of what happened but representatives from PayPal kept it very secretive and refused to give me any kind of information whatsoever. 

I believe it's okay that PayPal wants me to part ways with them, they are a private company at the end of a day and I respect that What's not okay is them holding my balance of {$28000.00} hard-earned money. I am from XXXX and I pay my business expenses with that account. 

By holding my money they are ruining my business, my career, therefore, my life. 

As a XXXX XXXX XXXX, I have no power to do anything other than to escalate this case I am 100 % willing to resolve this with PayPal by providing them any kind of additional information that they may need like utility bills, company registration number, tax returns, anything. I wasn't even given a chance to appeal their decision The reason for holding my balance, as they say, is that if somebody that sent me money in the past 180 days were to refund that money, and I withdraw it all then they would lose money In the past 180 days, I received only {$2200.00} so I suggested that they keep at least {$5000.00} for their security, which is double the disputable balance and let me keep the rest since I actively run a business and I need that money, but they refused. 

I tried to solve this in every possible way but they refused it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: EQUIFAX, INC.
State: OH

Complaint narrative:
After reviewing my credit report I found inaccurate items that have not been verified according to the FCRA guidelines 623,611 please remove the following account they are not accurate : XXXX  # XXXX, XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX , XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX XXXX   XXXX XXXX  # XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX # XXXX I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed are not deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: OH

Complaint narrative:
After reviewing my credit report I found inaccurate items that have not been verified according to the FCRA guidelines 623,611 please remove the following account they are not accurate : XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX , XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX   XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX # XXXX I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed are not deleted 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 2020-03-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: CA

Complaint narrative:
I receive my Social Security benefits thru Direct Express. The money posts on the XXXX  of each month. When I went to withdraw some cash the money was gone. I later learned that someone had transferred all the money to a prepaid card without my authorization. I am on a fixed income and rely on that money for rent utililties, food and medicine. I was told by Direct Express that I would have to wait days for a possible provisional credit to my account but not guaranteed. I am not able to wait. I need help now. I contacted them the day of the theft on XX/XX/20 and everday since after I faxed them requested info and paid {$13.00} for a new expedited card. Still, they say working days which means I can not pay my bills. Social Security tells me this is not a isolated incident. She had just got off the phone with another person who had the same thing happen. Money transferred out of there account. I believe there is a breach at Direct express and they should credit my account immediately. Not make me wait an indefinite amount of time.. I need help with this matter right away. Who can I contact to get some results? There are two transactions on XXXX {$940.00} and {$25.00} that need to be returned to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I was notified by Life Lock of fraudulent inquiries reporting on my credit file, inquires I did not occur, inquires I have no knowledge of and Im demanding that they be removed. 

1 ) XXXX  XXXX ( XXXX ) 2 ) XXXX XXXX XXXX ( XXXX ) 3 ) XXXX XXXX XXXX XXXX XXXX ) 4 ) XXXX XXXX XXXX XXXX ( XXXX ) 5 ) XXXX XXXX  XXXX XXXX ) XXXX ) XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I called on XX/XX/XXXX in regards some overdraft fees that I had occurred during XX/XX/XXXX. My work slowed down and I was involved an a car accident and got injured. So, I went ahead and called the Chase bank and got a hold of a bank representative and told him my situation. And, he told me that I could resolve this issue with them after the month of XX/XX/XXXX. So, I called on XX/XX/XXXX in regards to my refund fees and they flat-out told me no, without allowing me an explanation and, nor any remedy to my situation. The grand total of all my overdraft fees and insufficient fees are totaled to {$510.00}. That's a huge amount, and this is an insult and injury added to the situation. Now, I might not know all about the laws and regulations. But, this institution should atleast have an oversight on how the customer or notify the customer of insufficient funds. I would love this resolved without any further delays or institutions involvement or the media. 

Thanking you, sincerely XXXX XXXX XXXX Chase Bank customer

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I sent in a complaint yesterday, and last night received an email from PHH regarding my account. The first email addressed bogus lates reported by PHH for XXXX XXXX XXXX, now I see that they also reported me late in XXXX. Here is my email to them today. 

I am responding to an email received XX/XX/XXXX from you, PHH. You stated that PHH did not make any error in reporting my XXXX & XXXX payments as late and accessing a late fee and or derogatory make on my credit report. I have reported you to CFPB, as you are wrong. You stated that if a payment is received after the XXXX of the month a late fee of {$94.00} will be charged. XXXX payment was paid in full as follows XX/XX/XXXX {$700.00} XX/XX/XXXX {$700.00} XXXX {$700.00} XXXX {$450.00} WELL BEFORE THE XXXX OR THE XXXX!!!! PHH just doesn't know how to credit payments correctly. Instead PHH puts them in suspense!! 
XXXX payment was also paid in full by the XXXX which is a friday, the XXXX fell on a Saturday and the next business day was a holiday/XXXX  XXXX and many financial institutions were closed. So it appears PHH may not have processed my payment until the XXXX, which is not my problem, since I gave you the money on the XXXX! PHH is a nightmare and needs to stop harassing customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
This complaint is in addition to the prior 2 complaints I have recently submitted. I just hung up with care credit/syncrony bank. I explained to them that I am very upset that they contacted the 3 credit reporting agency 's and it has caused my credit score to drop almost 54 points. I was told that I did not make the full minimum payment. I explained when I opened this card and made the 1 charge the minimum payment was {$160.00} Now my balance is {$1200.00} I am still making the {$160.00} per month payment. I explained the balance is no longer {$3500.00} so the minimum payment should be going down. Now they want {$240.00} for this month. I do not understand how the minimum payment keeps changing month to month. Besides that there is still a discrepency of {$510.00} that was charged fraudulently. They keep telling me it was credited back but when I calculate the one charge and deduct my payments the balance is wrong. ( interest free for 2 years ). I am very upset that they make up there own rules then go and report this account as delinquent. I have been through nothing but issues and problems for almost a year now with them. I am also told they can only look back so far ... ..how is that possible? They should be able to see the records from day 1. I can't get online either to view the past history and from them failing to send me statements for approx 4 months really messed this whole situation up. I am complaining because I want them to remove that delinquent remark back to positive. I make my payments on time and always make the {$160.00} if not more.There ruining my credit score.

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 2020-03-05 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: GA

Complaint narrative:
I applied for a credit card and was not approved. There are still items on my credit that are not mine, XXXX XXXX XXXX XXXXXXXX XXXX. Please remove these from my credit.

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 2020-03-05 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: GA

Complaint narrative:
I applied for a credit card and was not approved. There are still items on my credit that are not mine, XXXX XXXX XXXX XXXX XXXX. Please remove these from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: GA

Complaint narrative:
I reached out to you all in XXXX about accounts on my credit that is not mine. This has really become frustrating all Im trying to do is help my mom and this is has become like a stick in the road. Can you please take these accounts from my credit and I will look at other options. XXXX, XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX IL XXXX XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX XXXX, XXXX, XXXX XXXX , DPT ED/XXXX XXXX, US DEP ED. I contact the FTC and local police.

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 2020-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I received a call today XX/XX/2020 at XXXX XXXX  PST from Midland Credit Management ( XXXX ) XXXX on my personal cell phone asking for my wife. I said this is her husband and the debt collector started divulging information from a debt that she previously owed to a different entity without proper verification of who I was or obtaining consent from the owner of the debt to discuss this information with me. When I asked to speak to a supervisor to explain that they were in violation of FDCPA he assured me that they were not. I explained to him that I am fully aware of the law as I have worked for consumer collections for over 20 years and he proceeded to dismiss it to be true and continued to ask me to resolve the debt. 

Since the company is in violation of the FDCPA I would like a full investigation and proceed with the fullest of penalties that are applicable to this agency and the original owner of the debt since they are responsible for vetting the collection agency that represents them.

Company response to consumer: Closed with explanation