vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2020, an unauthorized transaction and hack occurred from PayPal account for the amount of {$2200.00} ; the hacker attempted to use several of my credit cards on my PayPal account, but the charge defaulted to my bank account ; thereby, initially withdrawing the said amount and thereby leaving my account overdrawn. I notified PayPal by automated response of the hack and unauthorized transaction. However, in less than 12 hours, I received an automated notice that the 'case closed ' following the statement that their investigations declared the transaction was 'authorized '. I attempted on several occasions throughout the days to speak to a live PayPal representative to help escalate the Identity Theft and Cyber Security risk to my account, but to no avail. I made a formal Police Report with my local Police Department. I also filed a FBI 'IC3 ' report of the CyberSecurity & Identity Theft. Additionally, I also filed a Federal Trade Commission report of the crime as well. My bank, XXXX  XXXX XXXX, then reverse the charge back to PayPal, and PayPal then place the negative balance of {$2200.00} in their In-House Collections department. I reached out to PayPal collections to dispute the charge, but the department refuses to cooperate in an investigation, stating the case is closed and no further action is required ... they just want their money. It appears that PayPal is not taking this Cyber Security Risk and Identity Theft case seriously. I have also had to close several credit cards that were compromised, and I have had to place a Credit Freeze on my 3-Bureau 's credit reports. To date, I still have not been able to speak to a live representative from PayPal to re-open the case and to refund my negative balance. At this point, it is clear that PayPal  refuses to cooperate with a thorough investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MA

Complaint narrative:
Lexis Nexus has been giving out bogus information on a Lexis Nexis Credit report.

The information was given to a prospective employer, which resulted in I not being offered the position. The employer informed that I was not getting the job because of the information that was provided by Lexis Nexis. When I tried getting touch with Nexus Lexis Nexis they were impossible to reach.

Lexis Nexis is refusing to provide me with a copy of the report.

Instead they send me a code number to type in that is completely useless. 
The code number is their way of insisting they are following consumer law when in fact the number they are providing is fake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: T.S. Holdings
State: AZ

Complaint narrative:
Moved out of XXXX XXXX XXXX  ( XXXX XXXX XXXX ) after giving my 60-day notice. Upon turning in the keys, I requested to be present for walk-through. No notice was ever given of when this would be. 2 weeks after moving out, I receive a collection agency letter stating I owed approximately {$140.00} and that they hoped I had enjoyed my stay at XXXX XXXX and that I had received notice from the apartments about my past due amount. I NEVER received a move out walk-thru notice from the apartments!!!! And keep in mind this is only 2 weeks after I moved out!! So where would be the time to pay them even if I HAD received a bill from them? They had already sent it to collections! I paid a visit to the office after receiving the collection agency notice and XXXX, the receptionist, went in the back, spoke with someone there, said I only owed them about {$96.00}. I requested this in writing and she said the manager would call me the next day. That never happened. 

I don't feel I owe them any money since I never got the walk-thru I requested and I never signed the walk-thru. I was given 3 different amounts of what I supposedly owed and after contacting the management company, who referred me to the regional manager, I was sent an email with a detailed list of move out fees I supposedly owed and it is close to {$500.00} this time! She said in the email that now I would have to deal with the collection agency since it had already been turned over to them. OMG, I  have never been treated this XXXX by an apartment complex in my life! I wouldn't have believed it if it hadn't happened to me!!! 

I would appreciate any and all help with this matter. In my opinion, consumers should get to dispute these collection agency letters BEFORE they are sent to the credit companies. It's not fair that I have a negative item on my credit report for something I don't owe. XXXX  only upped the amount on the report, didn't even bother to investigate this. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
This complaint is for SYNCHRONY BANK XXXX AND MORE CREDIT CARD. 
I had a contract for 0 % interest for 12months with a {$800.00} credit card limit. The purchase was for {$800.00} of credit. My minimum payment was {$29.00} a month i overpaid my minimum payment each month and after 6 months later my balance was {$500.00} they cut my limit to XXXX on the closing date of the billing cycle without warning. We are on a 12 month contract. 

Them cutting my limit from $ XXXX {$520.00} mid contract breaches the contract. I had 12 months to pay it off it hasn't been 12 months. This drastically decreased my credit score. I want to sue for that reason. My account has nothing to do with their financial COVID-19 issues. I feel the reason for the decrease was not due to my credit card report or history because my credit score has been increasing it's due to their personal COVID-19 issues which is bias.

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 2020-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Amerivest Mortgages
State: NY

Complaint narrative:
XX/XX/XXXX, requested XXXX  XXXX  branch manager to refund the XXXX dollars for overdraft fees. Funds were deposited the next business day to cover the over limit. 
Calls and e mailed were ignored. XXXX  XXXX is refusing to respond to my request. I am left with no choice but to request assistance from the CFPB.

Company response to consumer: Untimely response
Consumer complaint received 2020-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I receive my credit report around XX/XX/2020 and it showed that I owed a company called Transworld Systems Inc on behalf of XXXX. The amount shows a balance of {$3000.00}. I reached out to them by sending a debt validation letter concerning this debt. This is not my account and I have asked them to remove it. Transworld sent me a letter in XX/XX/2020 responding that they received my inquiry. But they are still reporting inaccurate information as of today XX/XX/2020. I verbally spoke with someone sometime in XX/XX/2020 from Transworld and to this day I have not received any information validating this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
This is a old debt. Some how the dates were changed not accurate. It says Estimated month and year that this item will be removed : XX/XX/XXXX. It also says TD BANK USA/TARGET CREDI # XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX number not available Date Opened:XX/XX/XXXXResponsibility : Individual AccountAccount Type : Revolving Account Loan Type : CREDIT CARD Date Updated:XX/XX/XXXXPayment Received : $ XX/XX/XXXXLast Payment XXXX Pay Status : >Charged Off<Terms : Paid MonthlyDate Closed:XX/XX/XXXX >Maximum Delinquency of 120 days in XX/XX/XXXX for {$140.00} and in XX/XX/XXXX for $ XXXX High Balance : High balance of {$550.00} from XX/XX/XXXX to XX/XX/XXXX Credit Limit : Credit limit of {$300.00} from XX/XX/XXXX to XX/XX/XXXX Estimated month and year that this item will be removed : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: MA

Complaint narrative:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts US DEPT ED XXXX. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't XXXX  student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: CA

Complaint narrative:
in XX/XX/XXXX recieved two student loans one for {$4000.00} and one for {$2600.00} both loans were paid in XX/XX/XXXX.but in XXXX i got sick with XXXX and called XXXX  and explained my situation and asked if i can be placed on a deferment while i was going thru XXXX. they said no problem we are still going to charge you interest. i told them thats ok.now that i want to refinance because inerest is low i have late payments on my credit report.i contacted them and they are telling me nobody never called them with a deferment request.i told them my original creditor was XXXX XXXX .so this is my problem can sombody help please.

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 2020-08-31 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 am 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 2020-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts US DEPT ED XXXX. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't XXXX  student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.

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 2020-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts US DEPT ED XXXX. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't XXXX student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.

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 2020-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I've reached out to XXXX  with three letters with no response at all. 

I also sent letters to XXXX, XXXX  and experian asking for them to verify certain accounts with the following law below but no proof was sent by any collection agency or original creditor. 

" You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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 2020-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts XXXX XXXX. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't XXXX  student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.

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 2020-08-31 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: MA

Complaint narrative:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts XXXX XXXX. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't XXXX  student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.

Company response to consumer: Closed with explanation