vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-18 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: STERLING JEWELERS, INC.
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MEGASTAR FINANCIAL CORP
State: CA

Complaint narrative:
Megastar Financial fails to host and maintain a functional website that allows customers to pay their mortgage on time or even at all. The website puts end user into loop where you can attempt to reset password and it works. Then after login it fails to recognize the user. This company is a failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: NY

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I received email notice that my PayPal Account has been permanently suspended due to unspecified fraudulent activity. This suspension comes a week after I provided PayPal with all requested documentation to establish account ownership. The fraudulent activity that is alleged in the initial and permanent account suspension notices has not been explained and no process for addressing the issue beyond providing documents is available. 

The complaint I am making is not the issue of account suspension, but rather the fact that PayPal is now holding all the funds in the account for 180 days with nothing more than a statement saying that they will contact me in 6 months. 

So for 6 months, PayPal will be holding my money ( and using those funds in its transaction clearing pool ) while preventing my access to funds that I own. This is little more than petty theft. 

Secondly, a portion of the funds in my account are held in cryptocurrency, which we all know fluctuates rapidly in price. I fully accept the risks inherent in freely trading a volatile asset. What I dont accept is the trade platform arbitrarily eliminating my ability to trade those assets for an unreasonable period of time. PayPal offers the ability TO TRADE ( ie buy and sell ) cryptocurrency ; I am being forced to sit and watch my funds as the price fluctuates for six months with NO ABILITY to decide whether to buy or sell. In 6 months, this portion of my account could be worth a million dollars or zero dollars and there is nothing I can do about it. The price of the asset is a market risk, but PayPals decision is consumer abuse. 

I am not concerned about the random account suspension, nor the actual amount of money involved. I am extremely concerned about a financial gatekeeper having the ability to arbitrarily restrict access to funds, while also continuing to use those funds AND to affect the overall value of those funds OUT OF THE CONTROL of the account owner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: ME

Complaint narrative:
I have never been a big credit card person. I have had 4 or 5 my whole life other than pre-paid. Each time it was for $ XXXX {$400.00}. I never made out and just had problems with the credit cards. My last one ( XXXX XXXX XXXX XXXX  XXXX XXXX who sold it at least a couple times. Midland Fund has had it since XXXX XXXX. Midland Fund had the Sheriff come out at least 3 times about once a year. Each time I took the paper notice from him and never went to court. I was XXXX from a damaged XXXX and could not get out of bed very much from XXXX. Midland Fund has had it for awhile and never tried to contact in the past two years. I have tried to contact Midland twice once very hard as I was able to pay it off as it started at {$200.00} and is now {$850.00}. The second time I told them even though I did not agree was going in for a XXXX XXXX and may not live through it and would like to pay off the bill with a slight deduction since I am going out of my way when I may die. I either never heard from them or literally got a message the day I had to go in for transplant. ( it is all hazy around then and i think Midland did not say anything good anyway if they called which i doubt ). I am a year in from a XXXX XXXX I get {$530.00} a month from SSI and help from my Mother. I have explained this and it means nothing. I just saw a had a hard inquiry from XXXX on XX/XX/XXXX 14 days before i went for XXXX and long after i contacted Midland. I have never been in a XXXX 's in person or online. If that means I tried to get a XXXX XXXX on XX/XX/XXXX when i was about dead it is a total scam and that alone should be enough to end this if nothing else. I am buying fishing poles, weights, and whatever else XXXX sells when i can barely walk up my stairs. I can show the documents from my credit score if need be. Thank You Very Much, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Quicken Loans took 8m to close out my mortgage re-fi bc the Feds dropped the interests rates during the pandemic and everyone was re-fi-ing. Their loan originator, XXXX XXXX XXXX, pulled my credit 6 times from XX/XX/2020 to XX/XX/2020 with the 7th one coming from Quicken Loans in XXXX. I was told it would not have an affect on my credit but all remain on my credit report and 4 of my 5 credit inquiries in the last 2 years are from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: MO

Complaint narrative:
The following accounts are fraudulent and has affected my credit file. These unauthorized and unknown accounts are not mines therefore I'm demanding that this accounts be removed immediately. 

1. XXXX XXXX  {$1700.00} 2XXXX XXXX {$2800.00} 3XXXX XXXX XXXX  {$830.00} 4. XXXX {$620.00} 5. XXXX XXXX  6. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have submitted disputes and proof that someone has been using my personal information to obtain goods and other services in my name without my consent and Ive reached out to each creditors and no resolution of any on all my complaints. There are credit cards on my accounts and other items that are not mine.

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 2021-03-18 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XXXX I noticed transactions I did not authorize from my checking account ATM card. The total unauthorized transactions were 11 transactions for a total of {$670.00}. I filed a claim within 2 days of the transactions. After Chases investigation they concluded the transactions were correctly authorized. I do not agree with the decision and the fact that they will be taking the temporary credit back. I never authorized the transactions, have never shopped at those store locations. I feel like there was no effort in the investment. I would bet that my pin number was never entered for any of those transactions. I do not was the credit/refund for those fraudulent transactions removed. I received a letter stating they would be removed. If removed, I will not have enough money in my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-18 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: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
An account was opened in my name that was not me not my address

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-03-18 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: Phoenix Financial Services LLC
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: FL

Complaint narrative:
This loan was supposed to be closed out because the school was closed down and I was pulled out of class for purposes at the time I was unaware of the situation. I had just wanted to go to school

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 2021-03-18 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: The Law Offices of Mitchell D. Bluhm & Associates
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18 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: Commonwealth Financial Systems, Inc.
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I have submitted disputes and proof that someone has been using my personal information to obtain goods and other services in my name without my consent and Ive reached out to each creditors and no resolution of any on all my complaints. There are credit cards on my accounts and other items that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: MO

Complaint narrative:
The following accounts are fraudulent and has affected my credit file. These unauthorized and unknown accounts are not mines therefore I'm demanding that this accounts be removed immediately. 

1. XXXX XXXX {$1700.00} 2. XXXX {$2800.00} 3. XXXX XXXX {$830.00} 4. XXXX {$620.00} 5. XXXX XXXX 6. 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 explanation
Consumer complaint received 2021-03-18 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: MO

Complaint narrative:
The following accounts are fraudulent and has affected my credit file. These unauthorized and unknown accounts are not mines therefore I'm demanding that this accounts be removed immediately. 

1. XXXX XXXX  {$1700.00} 2. XXXX {$2800.00} 3. XXXX XXXX {$830.00} 4. XXXX {$620.00} 5. XXXX XXXX 6. XXXX XXXXXXXX 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 2021-03-18 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: Nelnet, Inc.
State: FL

Complaint narrative:
This loan was supposed to be closed out because the school was closed down and I was pulled out of class for purposes at the time I was unaware of the situation. I had just wanted to go to school

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have filed a dispute in regards to the incorrect item on my credit report, it has been over 30 days and i haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: CA

Complaint narrative:
This item was removed in XX/XX/2020 I believe they sold it to another collector and started it all over I havent hat sprint for over ten years ... and it just pop up this year

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 2021-03-18 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: NJ

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXXXXXX XXXX Last reported XX/XX/XXXX {$1300.00} Reported balance Highest balance {$1500.00} XXXX XXXX XXXX Last reported XX/XX/XXXX {$3600.00} Reported balance XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$560.00} Open balance XXXX  XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/XXXX {$320.00} Open balance {$1800.00} Reported balance XXXX XXXX {$960.00} Sincerely,

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 2021-03-18 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: NJ

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX  Last reported XX/XX/XXXX {$1300.00} Reported balance Highest balance {$1500.00} XXXX XXXX XXXX Last reported XX/XX/XXXX {$3600.00} Reported balance XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$560.00} Open balance XXXX XXXXXXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/XXXX {$320.00} Open balance {$1800.00} Reported balance XXXX XXXX {$960.00} Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
I have bought jewelry from XXXX on XXXX XXXX and I paid with my PayPal account and then I cancelled the order so XXXX refunded me the whole amount of XXXX dollars but PayPal is not releasing the refund and is holding the money for NO reason. I contacted PayPal and I was told the refunded money will be the n hold for 30 days before they release it and refund it back to my credit card and that is Fraud and stealing and unethical and shady business practice. Why is PayPal holding a refund that I received from the seller goldsilver.com. When I get a refund it takes 3 business days for me to receive it back to my credit card and NOT 30 days like PayPal is claiming. They are holding my refunded money for 30 days. This is clearly FRAUD and unethical and shady business practices. What is the reason for them to hold my refunded money for 30 days. Money is clears by the bank in 3 days and NOT 30 days so they should release that refund of XXXX dollars and refunded back to my credit card immediately NOW and NOT after 30 days

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-18 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: CORELOGIC INC
State: FL

Complaint narrative:
Credco Inquiry From XX/XX/XXXX ( Miscellaneous Reptg. Agencies ) XXXX XXXX Inquiry From XX/XX/XXXX ( Personal Loans Cos. XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Auto Financing ) Twice this one is reporting on my credit. 

XXXX XXXX XXXX Inquiry From XX/XX/XXXX ( Automobile Dealers ) XXXX Inquiry from XX/XX/XXXX ( National Credit Card Cos. ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX ( Automobile Dealers ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/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 2021-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I C SYSTEM is claiming that I owe them {$550.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

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