vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-22 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: CA

Complaint narrative:
Equifax is reporting accounts on my consumer report that I have not validated being that I am the original creditor and also they fail to comply with the laws and FCRA. 
It has cause extreme harm to me not being able to get the credit that is due to me and I am extremely exhausted mentally! You have 5 days after receiving this complaint to remove these accounts from my consumer report. 

The agency is in violation Pursuant to 15 USC 1692g. They were to notify me 5 days prior, I was not. I am the original creditor. I do not validate this debt. With that being said, the following accounts must be deleted from my consumer report. 

XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my consumer report will result in further actions being taken against your company ; I will also be in pursuit of {$1000.00} per violation for : -Defamation -Violation of 15 U.S.C 1692g -Negligent Enablement of Identity Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: FL

Complaint narrative:
On XXXX XXXX I purchased a house and my first mortgage payment was to XXXX XXXX XXXX on XX/XX/2020. I get a letter that Planet Home Lending is taking the mortgage over. I pay XX/XX/XXXX payment and start auto payments to come out on the XXXX of the month so the payment Is posted by the XXXX. I sent XX/XX/XXXX mortgage it was posted on XX/XX/2020. I paid automatically until I got a letter that I was being switched to XXXX XXXX. Never missed a payment. XXXX sends a letter that I owe a back payment from XX/XX/2020. The payment never posted to my planet account and to this day its never been fixed. I have called, emailed, nothing. 
Planet did say they would do a missing payment but Ive never heard from them again!!!! Im so upset!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I called the bank because I was experiencing issues with making payments due to Covid. The associate and I discuss options and we agreed to a 12 month hardship program with payments coming out every two weeks. The payments were taking out of my bank account as expected. I would still get calls from the bank to collect but I would say I was on a hardship program and they would say the called in error. I was informed today, XXXX XXXX 2021 that I did not meet the criteria for the hardship program. I dont know how a company can do this. First the agreed to it. Second, they showed acceptance by withdrawing the money from my account but now they are saying I dont qualify and want to put me in a program that doesnt fit my need. I believe this is misleading and borderline fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sarma
State: TX

Complaint narrative:
I never received anything from creditor or debt collector i owed anything, I found out whn my credit score dropped. I have called and paid it over a year and half ago and have pleaded for them to take this off my credit. When I pais it they said they would now they won't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I sent TD Bank a letter twice requesting that they contact me to let me know that I have no financial liability because this account was opened illegally in my name and I have received no response to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
President Biden and US Congress do not allow any apartment management to harass a single parent who raises XXXX kids successfully during pandemic. I did not owe anything. We used one room. ( another room for other person ). A single parent and my kids have nothing to do with another person in another room. Harassing a single parent with XXXX kids should be halted. 
President Obama and First Lady XXXX XXXX  sent me a letter in person through US congresswoman XXXX XXXX for my daughter XXXX and me. 

Federal agency should instruct apartmanagement to stop harassment a single parent with XXXX kids who is US armed force veteran. 


As a single parent with XXXX kids, I try to buy a home in rural area, national credit system ( XXXX XXXX XXXX ) information in credit report should be removed to apply FHA loan, VA loan and USDA loan. 
Halt XXXX hate crime or Discrimination against XXXX Americans ( a single parent with XXXX kids ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I started a XXXX XXXX on XXXX to get rid of my inventory. I was selling my inventory at a loss, but I don't know why Paypal took my money XX/XX/2019 PayPal - negative {$2600.00} XX/XX/XXXX Transfer P PayPal - negative {$2600.00} XX/XX/XXXX Transfer Loading transaction details for PayPal - negative {$2600.00} XX/XX/XXXX Transfer You reported a problem with this transaction. See the status of your case in the Resolution Center. 
Paid with Balance {$2600.00} Transaction ID XXXX Seller info PayPal Note {$2600.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: VA

Complaint narrative:
I sent a letter to Experian to see why they are reporting information to credit card companies that is not being reported to me. 

Both my credit cards and XXXX  report obtaining information from Experian that is not showing up on my credit report. 

They are being told that I have " Proportion of loan balances to loan amounts is too high ''. 

I received a notice back saying that I didn't provide enough information. 

When I called, I spoke to customer service, XXXX, XX/XX/2021 at XXXX am., she was rude and ignorant and told me that Experian will not explain why that is on my credit report ... and they will not explain why they randomly drop my credit score on XX/XX/2021 by 23 points. Instead of disclosing to my why that happened, they tell me I need to hire a third party to review my credit report to tell me as if I'm too stupid to see that the only thing that changed from last month to this is that I paid off a {$400.00} balance on a credit card. The fact that Experian is allow to abuse people and randomly with out explanation drop my credit score by 23 points should not be legal. 

So, in summary, Experian is giving info to credit card companies that is not on my credit report and not being shared with me and they are, without explanation, randomly dropping my credit score by more than 20 points. This has happened several times in the last year and should be criminal to cause harm to people to such an extent.

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 2021-04-22 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: CA

Complaint narrative:
There is addresses on my credit report that does not belong to 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 2021-04-22 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:
There is addresses on my credit report that does not belong to 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 non-monetary relief
Consumer complaint received 2021-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: TN

Complaint narrative:
I have been using Binance US for cryptocurrency trading and investing since its inception. It is regarded as the largest worldwide trading platform. I have been trying to withdraw about {$600.00} or so for 2 weeks now to the same account that deposited the funds. The transaction has been Pending and Binance US nor XXXX XXXX XXXX which handles the USD transactions will respond. I will be needing to withdraw $ XXXX plus here in a few weeks to pay taxes and am afraid the funds will be locked as well. 

I have seen hundreds of people posting about months of no responses which is just plain unacceptable. It defeats the purpose of cryptocurrency. I urge all customers to think twice before falling into this scam. I mean how can they get away with this being so large and having so many big name people joining the firm. SCAM

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FISERV FINXACT CORE
State: TX

Complaint narrative:
I reached out to XXXX XXXX about a bank fee. They stopped responding and continued charging me and eventually closed the account and reported it to a debt collector, TRS Recovery. 

XXXX 's response to the CFPB contained inaccurate information and didn't answer my questions about the fees. Their response encouraged me to reach out to them directly. I did, and to this day, I haven't received a response from them. I filed a dispute with TRS, the collection agency that they sent my account to. XXXX only sent them my bank statements and didn't address the disputed amount. I spoke to XXXX in the customer service department at TRS. She told me that I would have to contact the bank directly. This isn't the way to handle debt collection. This wouldn't have gone into a collection status if XXXX had actually answered my question about whether I could close the account online after bringing the balance to a positive status. I've reached out to XXXX numerous times about this and when they do respond to other parties, they provide misleading information, and they don't respond directly to 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 2021-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Made an internal account transfer from my Bank of America checking account to my Bank of America credit card account and this occurred instantly - lowering my balance in my checking account, and increasing available credit in my credit account. 

Days later, this action was reversed and I was charged a {$29.00} returned check fee on my credit account. Looking into it, Bank of America reorganized my transactions so that purchases made AFTER I made the internal account transfer posted before in order to cause my account to go negative. However, this is not how it ever appeared to me as I monitor my account multiple times a day ( unemployed during COVID, need to make sure everything is completely right ). 

To make matters worse, a day later they closed my credit account and have not told me why. I've called and spoken to multiple people, and spoken to their Social Media team and all they've told me is that they mailed out a letter. 12 days later and I still have not received this letter.

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 2021-04-22 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: FL

Complaint narrative:
Good afternoon, My credit score went up 70 points and then went down 70 points due to my credit card usage percentage. I have already fixed that problem. The card usage is below 40 %. Please readjust my score to reflect back to the XXXX score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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:
Experian has refused to remove a fraudulent credit card names XXXX XXXX from my credit report and it has caused me to get denied for personal and business credit. 
Experian has also refused to remove the false late payments for XXXX XXXX XXXX  from my credit 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
Consumer complaint received 2021-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
On XX/XX/2021 I attempted to send {$51.00} via Western Union. When submitting, it added 2 zeros, equaling {$5100.00}. My bank account is overdrawn. 

I immediately contacted Western Union to stop the transfer, they assured me they did. I was told the money would be back in my account on Tuesday, XX/XX/2021 ( 7 business days ). However, the money is not in my account. Every time I call, I get a different response as to why it is not in my account, when it will be in my account, that it is being investigated, etc. 

I was told multiple times that I would receive an email confirmation that the refund was being processed. That was never received. 

I was finally given a number of the corporate office, however that is not a legitimate phone number for Western Union ( XXXX ). 

I simply need my money back in my account. I have bills I can not pay because my account is over drawn. 

I have attached a " chat '' transcript as proof of the ongoing non help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: CA

Complaint narrative:
TransUnion is reporting accounts that I have not validated or been notified before reporting. This agency is in violation of 15 USC 1692g. They were to notify me in writing 5 days prior, I was not! I do not validate this debt. Therefore, the following accounts must be deleted from my report. You have 5 days to delete these accounts. 

XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Failure to respond satisfactorily with deletions of the above accounts and a free copy of my consumer report will result in further actions being taken against your company ; I will also be seeking {$1000.00} per violation for : Defamation Negligent Enablement of Identity Fraud Violation of XXXX 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 2021-04-22 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Credit card account used to apply fraudulently for a line of credit for a loan from the US Gov small business association and opening a credit card account with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XXXX Credit card account used to apply fraudulently for a line of credit for a loan from the US Gov small business association and opening a credit card account with Wells Fargo

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 2021-04-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: 2288984 Ontario Inc.
State: TX

Complaint narrative:
I received a call in the middle of the work day yesterday from a " Process Server '' representing XXXX XXXX or XXXX XXXX as I was told on the phone. I received a call from XXXX XXXX, and I explained to her that I couldn't talk to her at the moment because I was in the middle of a XXXX meeting for work. I asked her to call back at a later time. She then proceeded to repeatedly dial my number three more times. After this she called my teenage daughter while she was at school. My daughter called me hysterical saying that a lady said that I was being sued and proceeded to give her all of my personal information, name, date of birth, and social security number. She told my daughter that I would be arrested. She then contacted my estranged husband, and told him the same thing. I got a call from him a few minutes after my daughter. They both took down the phone number I was to call, XXXX. I called the number and spoke to XXXX at XXXX XXXX or XXXX XXXX ( she gave me both names ) and explained to her what happened. This morning I received another call from XXXX XXXX from the number XXXX. I answered the call and asked Ms. XXXX who she works for. She advised that she works for the " government '' for the state of Texas. I asked her to confirm the above number and she said " if that's what came up that's the government number, but it doesn't take inbound phone calls ''. I asked her to confirm that she was a " Process Server '' and that she did contact my daughter and husband and give them person private protected information. She confirmed. I explained to her that I would be reporting this incident and then hung up. She proceeded to call my cell phone three more times after this encounter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
I contacted Merchants Credit Guide asking to validate my debt instead they sent me a bill I sent another validation of debt letter and they sent a letter dated on XX/XX/21 stating they will reach out to creditor to obtain validation documents if not obtained they will close account cease any further collection activity and return account to the creditor. This company has failed to validate my debt and is still reporting this information on my credit report. Please remove from my credit report this company has failed to validate debt

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation