vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Big Picture Loans, LLC
State: TX

Complaint narrative:
this ripoff loan company named big picture loans run by some XXXX tribe some where is sending me these pre screened offers every week even though I have opted out at all 3 credit bureaus 4 different times in one year. I have constantly contacted these people to take me off there mailing list and they always tell me that they do n't have to go by gov regulations because they are a federally recognized XXXX tribe. I do n't believe that to be the case. any one that would get a 843 % loan from a XXXX tribe is out off there mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I sent $ XXXXCAD to XXXX XXXX Using my Pay Pal Account Transaction Details Transaction ID:XXXX XXXX XXXX, 2017 SENDER RECIPIENT XXXX XXXX XXXX XXXX XXXX XXXX YOUR NOTE TO XXXX XXXX For the XXXX XXXX logo this is my grandpas paypal cause I dont have one I sent it in this not XXXX XXXX XXXX because he said so and I added XXXX $ more just for the trouble. 
The money was On the third time sent using friends and family pay pal will not refund even though the item was never received. I have requested XXXX XXXX To send four e-mails to XXXX with no replies. Requesting status and refund Grand son has also requested status via text messages and received no relpy. 

I feel we were scammed. 
is there any way to check and see if the money was ever picked up or XXXX XXXX logo sent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-20 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am trying to add my TD bank account to my XXXX account so I can have a working bitcoin wallet. When I put my TD information in to add the account, a prompt came up telling me the TD bank is blocking access to enable my external applications. This is the only account I can open my bitcoin wallet with and I should be able to add that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I was trying to link my TD Bank checking account with XXXX so that I can withdraw funds to my bank account but TD Bank is blocking XXXX from doing so. I attempted to conect the connect the account using my TD Bank web credentials but I receive an error that TD Bank is blocking me. I called the bank and they said they dont like coinbase.com and that is why I cant access it. The customer service rep at TD Bank refused to give me her employee number or any info on who she was. This is unacceptable as now my money is locked up in a website and I will be forced to move my bank account to another bank to get my funds. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BTH Management
State: CA

Complaint narrative:
good afternoon, ive been asking for Validation of debt owed to XXXX XXXX XXXX  XXXX for a check that went to collection but has already been paid The Collection agency is XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 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: STERLING JEWELERS, INC.
State: TX

Complaint narrative:
I went to pay my complete balance off at the kays store and i thought i paid everything off as what the company told me and at the same time i had just moved so by the time i got everything in order with my mail i recieved a collection for the amount of {$40.00} at that point i contacted kays and i spoke with them about removing the bad status remarks on my account if i paid off the balance with them they agreed and told me i just had to make a payment and that i wont have nothing effecting my score or my payment history and they have yet to fix they finally removed that i have a balance with them but they didnt removed some remarks and my payment history and its affecting my score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Acquired Assets, Ltd.
State: TX

Complaint narrative:
I sent XXXX XXXX XXXX a letter asking to verify and validate this account in the balance of XXXX and I received no proof of documentation of contracts with signatures. no proof of fair and thorough investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has not followed up with me on prior complaint CFPB XXXX. They are ignoring this complaint. On XX/XX/XXXX, they responded to referenced complaint # that they needed more time to follow-up, and if necessary, Equifax stated they would contact me directly. Today is XX/XX/XXXX. That 's more than 3 weeks later. I have not been contacted. 

Equifax, the answer is easy : please refund my entire year subscription fee since you failed to ever set a fraud alert on any of the credit bureaus during the 8 months that I paid for service. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
good afternoon, ive been asking for Validation of debt owed to XXXX XXXX XXXX XXXX for a check that went to collection but has already been paid The Collection agency is XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
On XX/XX/XXXX I withdraw {$1000.00} from XXXX XXXX. The teller asked me to swipe my driver 's license on their machine before she gave me the money. Because, she did not gave me a receipt of the transaction I asked for one. She gave me a balance inquiry instead of a receipt. The balance inquiry showed that on last processing date XX/XX/XXXX the balance is $ {$2000.00} and on XX/XX/XXXX the available balance is {$1000.00} after the withdrawal of {$1000.00} The teller should have given me the transaction receipt so the correct amounts on XX/XX/XXXX and XX/XX/XXXX were correct. The processing date should be XX/XX/XXXX, the beginning balance should be {$2000.00} and the available balance after the withdrawal is {$1000.00}. 

The teller should not have asked me to swipe my driver 's license in their machine. I used a withdrawal slip to withdraw. I believe that my driver 's license and my account were compromised. I believe the teller and the bank tricked me.

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 2018-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
My Wells Fargo credit card is currently past due and over the credit limit. I do not currently have the funds to make the payment and am waiting until I get paid again to bring my account back in good standing. Wells Fargo card services has repeadetly called me to the point of harassment and has not given me an opportunity to speak with a representative in order to inform them of payment intentions or request that they stop contacting me. I have documented below all of their calls that I have received within the past 7 days. 
XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX This totals 18 calls in the last 7 days. Up to 5 calls per day. 
I have received 2 letters in the mail regarding this same matter. I have made 5 different attempts to contact Wells Fargo Card Service at the phone number ( XXXX ) XXXX, ( not including the attempts that I made when answering these harassing phone calls ), and one attempt to contact Card Services at their regular customer service phone number ( XXXX ) XXXX, in order to inform them of my payment intentions and request that they stop harassing me since I am well aware of the debt that I owe. All of my attempts have been unsuccessful. When I ask to speak with a representative I am told by the automated system that my call is being connected to a representative, however the line then goes silent and after holding, the call drops. I will be submitting a written request by mail that Wells Fargo Card Services immediately stops contacting me regarding this matter.

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 2018-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: TX

Complaint narrative:
A recent inquiry into my credit report with all 3 bureaus ( XXXX, XXXX  and XXXX ) made me aware of 2 accounts that report negatively on my credit bureau files. Research revealed that these 2 entities are owned by the parent company known as XXXX XXXX , XXXX . These 2 entities are XXXX XXXX and XXXX XXXX  XXXX. These debts are not mine, yet they appear on my credit bureau file ( s ) as charged off debts. 

The XXXX XXXX account appears with a balance due of {$150.00}. I have never had an account with this organization. The XXXX XXXX XXXX account appears on my credit bureau file ( s ) as an Unsecured loan account with a charged off balance of {$410.00}. I have never obtained a loan from this organization and based on the corporate description, was unaware that they offered such services. 

In correspondence dated XX/XX/XXXX ; I requested proof of my obligation to pay from both of these organizations. They responded with a letter requesting that I send them a police report for identity theft. I responded with a second letter dated XX/XX/XXXX again requesting validation in the form of ANY application for an account for credit or a contract bearing my signature. They both responded on XX/XX/XXXX with a print out of a bill ; which according to an FTC opinion letter is NOT sufficient proof that a debt belongs to a particular individual. 

According to the FCRA these debts have not been proven to belong to me and should therefore be removed from all 3 credit reporting agencies files. Subsequent requests for the same have not been honored by the credit bureas or by either of these organizations. The credit bureaus continue to report these debts as mine and I have also requested thier Method of Verification for these debts which they have yet to provide. A subsequent complaint regarding the actions or inaction of the 3 major credit bureaus is forthcoming. Additionally, I have a filed a complaint with the Better Business Bureau ( BBB ) in Wisconsin and am planning to file a complaint with the Texas Attorney General 's Office.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I have a a unverified account from XXXX XXXX XXXX XXXX XXXX. I had previously disputed this account with XXXX XXXX XXXX XXXX. I have never done business with your company or XXXX this account was never verfied and was deleted from my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Quality Asset Recovery LLC
State: NY

Complaint narrative:
I am not aware of this debt and I should not be liable for it.

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 2018-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Citibank ran a promotion Fall XX/XX/XXXX that stated if an individual opened an account and deposited {$15000.00} with the deposit remaining in the account until XX/XX/XXXX the individual would receive a {$400.00} deposit into their account. I opened an account, deposited the funds required and did NOT receive the {$400.00} promotion. I contacted Citbank and they related that I did not enter a code when setting up the account. No information was provided during the promotion that a code was necessary. I would appreciate any intervention with Citibank to receive the promotion amount as I experienced this process as a fraud.

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 2018-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
The name of the collection agency is listed under all 3 credit bureaus but they have not verified the debt

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 2018-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: OH

Complaint narrative:
To whom it may concern : Hello i checked my XXXX XXXX account Sat XX/XX/XXXX at XXXX and found out this debt was on my credit report in collection from XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX number XXXX in the amount of {$200.00} date opened XX/XX/XXXX. Also it said original creditor XXXX XXXX XXXX and not once do i know of this account they never one time called or sent me a bill or letter explaining i owe a bill or if you do n't pay it will be on your credit report neither company. This is a problem for me .They just put it on my credit report without prior notice about anything. And this is what i would like to happen, is for it to be removed from all 3 credit bureaus and an apology letter from both companies saying this will be removed from my credit report and both companies to pay for my credit score being lowered because of their mistake in the amount of {$5000.00} each. They should not get away with affecting my credit score and they never once sent me a bill or letter i do n't know who or what this account is at all. I have no knowledge of this account. Thanks for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The account has not been verified so I should not be liable for this 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 non-monetary relief
Consumer complaint received 2018-01-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
I was attending catawba college and in 2010 i took classes at XXXX in hickory. My grandmother died in 2010 and long story short my information was stolen from my mail box in XXXX. At the mediation my school loan information was used to blackmail and sue me in the will hearing. I didnt realize that my uncle had accessed my info for XXXX XXXX XXXX and they allowed him to change the address and contact info to his information He then had the info mailed to his home. Now i havnt been able to access the info at all and am in collections. I was told that because i couldn't verify the info i was unable to access the loan. In addition to that 4years after leaving XXXX i find out that they believe i owe them money. However i went the entire year at the school and no one said anything about misfiled paper work. I now have a judgement against me and i can not get ANY HELP!!!!! I have over 100K $ in debt that i am not allowed to pay! My identity has been compromised.the only school loan that has not been affected is from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD Bank not authorizing XXXX by blocking me from enabling external applications. I have the right to access my financial data and so I urge TD to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have sent in verification letters on XX/XX/2017 to XXXX and Experian asking them to verify the negative items or remove them, and they have done neither to my report.Have not recieved my report from XXXX that I asked for during this time.

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 2018-01-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
On XX/XX/XXXX i was served bank garnishment papers on collecting a XXXX balance on a private student loan. Back in XX/XX/XXXX and XX/XX/XXXX I reached out to my credit report bureau and was told they couldn't locate the debt or find any contact information for the original lender. I then found an artical that XXXX XXXX XXXX XXXX trust was being sued and while under investigation they aren't legally allowed to collect on any of the accounts due to lack of records. I was told by the credit bureau XXXX that it would be removed and was after they completed there investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion XXXX XXXX- XX-XX-2016 XXXX XXXX XXXX XXXX -XX/XX/2016 XXXX XXXX XXXX-XX/XX/2016 XXXX XXXX XXXX-XX/XX/2016 The inquiries that I have written above are unauthorized. I did not allow anyone to use my personal information to obtain goods. XXXX and Transunion have not removed the fraud inquiries from my credit report even though i have disputed them multiple times.

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 2018-01-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX- XX-XX-2016 Experian XXXX XXXX XXXX -XX/XX/2016 XXXX XXXX XXXX-XX/XX/2016 XXXX XXXX XXXX-XX/XX/2016 The inquiries that I have written above are unauthorized. I did not allow anyone to use my personal information to obtain goods. Experian and XXXX have not removed the fraud inquiries from my credit report even though i have disputed them multiple times.

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