vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-11 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: OH

Complaint narrative:
Numerous inquiries if unknown sources Late payment on student loans Student loans Reporting of Bankruptcy

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 2021-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
XXXX did not verify debt after multiple letters sent to them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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:
On XX/XX/2021 I sent a letter to Equifax requesting a block on information they are reporting on my credit report due to this information being fraudulent. I am a victim of identity theft so per the steps at FTC.gov I sent this letter along with a copy of my drivers license, social security card, a copy of section 605B of the Fair Credit Reporting Act and a copy of my FTC identity theft report and per the letter they had 4 days to respond. 

Instead they sent me a letter stating at this time they were not blocking information on my credit report and they were just going to contact the creditors about my dispute. Then the letter states if I want them to block I have to send proof of my identity, the specific information of identity theft, and a copy of my FTC identity theft report. I sent all of these documents along with my letter, so they should have blocked everything requested to be blocked. I believe Equifax is violating my rights as an identity theft victim and were just looking for additional time, therefore they sent this letter to me to delay the blocking.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: DriveTime
State: FL

Complaint narrative:
Drive Time ( " DT '' ) Credit placed a hard inquiry on my crdit report. The inquiry is reflected on my credit report with at least 3 major CRAs. I requested that DT provide me strict proof, including a signed contract, via U.S. certified mail. I requested a reasonable review within 30 days upon receipt of my debt validation letter. I have not received a certified response from DT. The hard inquiry has not been removed within 15 days of my 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 2021-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Venmo had my account open and told me I could use my money or transfer it when it cleared. The minute I went to transfer the balance out into my bank account, they blocked my account and said I breached the terms. They blocked the account and I cant use my barcode or send the money, and there is no customer service. This company is owned by PayPal, and they too steal the money when I make an invoice for my single member llc service I offer, and they hold it for a minimum of 3 weeks. One time they made me wait a month for {$2000.00}, and then they said that it would require an additional one month for processing. I called the client and he said the money cleared the same day he paid me. PayPal then has lendio send you offers for financing, so they can charge you interest to get the money they legally are supposed to send within a few days. Every single time I send them a chat request for support, I get a lendio message right afterward. PayPal and Venmo are extremely unscrupulous, and I believe this is conversion, which is a felony and fraud and deceipt. I recommend a fine of XXXX XXXX dollars, as this amount will hardly even scuff their shoes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PARK NATIONAL CORPORATION
State: OH

Complaint narrative:
XXXX did not verify debt after multiple letters

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Called, sent correct letters to remove incorrect information off my credit report, they havent sent any information verifying that the inquire is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: AZ

Complaint narrative:
I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all " Fraudulent '' request. I have not applied to any of these places.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mandarich Law Group, LLP
State: CA

Complaint narrative:
I have disputed a charge that was paid off months ago several times through XXXX and directly with XXXX XXXX XXXX I have uploaded the letter from the law firm XXXX hired to collect the debt ( Mandarin Law Group ) confirming the debt was paid in full, copies of the check and bank statements and they still have denied my disputes and will not update.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed a charge that was paid off months ago several times through Experian and directly with XXXX XXXX XXXX. I have uploaded the letter from the law firm XXXX hired to collect the debt ( XXXX XXXX XXXX ) confirming the debt was paid in full, copies of the check and bank statements and they still have denied my disputes and will not update.

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 2021-08-11 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have been trying to work out a forbearance agreement with my lender, Shellpoint Mortgage servicing since XX/XX/XXXX due to Covid 19related job loss and financial hardships directly due to Covid 19. The lender has stalled during the whole process with requests for documentation, and denials for assistance for over a 15 month period. They have finally agreed to a loan modification with extremely higher rate and terms and have reported my loan late several times over from XXXX to XXXX. I have requested verification from dispute thru credit agencies and not resolved. I have contacted lender direct and they have updated credit report showing loan is even later than 180 days on 5 occasions! I would like to file a complaint formally with a state agency or get this resolved so i can get a new loan and refinance this lender out! 
Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX is in violation of my privacy rights under HIPPA Law. I have continuously asked XXXX XXXX XXXX XXXX to provide me with a signed HIPPA release and they have continuously avoided my request but have sent private information about my injury and procedure. These accounts need to be removed from my credit file immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
For nearly 8 years I've been battling with these two credit reporting companies to remove what is a black mark on my XXXX XXXX in the beginning and not valid. I've written letters five complaints and we are past the {$70.00} XXXX  worth this junk should have been removed from my credit years ago credit reporting agencies have a huge responsibility to stay up to date what negative information reported it should be sanctioned when they drop the ball. Incorrect negative credit affects us all holding our children and families at risk

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A notice was sent out XX/XX/2021 for them to remove previous address, jobs, and missed spelled name to be updated.

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 2021-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: AZ

Complaint narrative:
I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places.

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 2021-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
After reviewing my consumer credit report, I noticed that OneMain Financial Group, LLC is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my XXXX  and XXXX  consumer report on XX/XX/2021 without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b.

I have not initiated any transaction with OneMain Financial Group, LLC Further, and I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with OneMain Financial Group, LLC for review or collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: FL

Complaint narrative:
XXXX XXXX ( " XXXX '' ) Credit placed a hard inquiry on my crdit report. The inquiry is reflected on my credit report with at least 3 major CRAs. I requested that XXXX  provide me strict proof, including a signed contract, via U.S. certified mail. I requested a reasonable review within 30 days upon receipt of my debt validation letter. I have not received a certified response from XXXX. The hard inquiry has not been removed within 15 days of my 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 non-monetary relief
Consumer complaint received 2021-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: DC

Complaint narrative:
On or about XX/XX/XXXX, a collection account for {$140.00} appeared on my credit report from Transworld System for debt I allegedly owed XXXX XXXX  XXXX. I was seen at the XXXX XXXX  XXXX Emergency Room on XX/XX/XXXX and my insurance was billed over {$5000.00} for the visit. I personally owed {$350.00} not covered by insurance and paid the bill within hours of receiving it. When this collection appeared on my credit, I called XXXX XXXX  XXXX first and they said that they can't help me because they never sent my account to collection by Transworld System. I disputed the account with XXXX  who ruled in my favor within an hour. But it remained with XXXX. I also disputed it with XXXX  on XXXXbut the outcome of their investigation is that the collection account was verified as accurate, which it is not. I have also tried calling Transworld System but they do not pick up the phone. My credit score was in the mid 700s until this incident when it dropped by 100 points overnight while i am trying to purchase a house. Thank you in advance for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: Chime Financial Inc
State: AZ

Complaint narrative:
My Chime Credit Builder Card was stolen and used in another state from where I live. There were many unauthorized charges made during the dates of XX/XX/2021 to XX/XX/2021, during these dates I was admitted in the hospital and had no knowledge that my card was being used until I got out of the hospital. I called the company right away on XX/XX/2021 which was about 24 hours after the last unauthorized charge was made. They did an investigation and said that they found no errors occurred. I provided them with the FTC identity theft report I filed, the police report I filed and proof from the hospital that I was admitted ( in Arizona ) during the dates the card was used in Nevada. The police have even made an arrest of the person who used my card and the bank still will not reverse the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to.

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 2021-08-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2021 at approximately XXXX XXXX, I made a deposit of {$2800.00} Into the capital one atm at XXXX XXXX XXXX ny. After the deposit, the atm showed that I only deposited {$2300.00}, even though I deposited {$2800.00}. I called capital, the next day to fix the error and they grated me the credit for the remainder but then a few days they took it back. Please assist me with this matter because their atm made an error and I want them to fully reinvestigate the matter so I can get my missing money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
Synerprise Consulting Svs is in violation of my privacy rights under HIPPA Law. I have continuously asked Synerprise Consulting Sv to provide me with a signed HIPPA release and they have continuously avoided my request but have sent private information about my injury and procedure. These accounts need to be removed from my credit file immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
When I requested to be accommodated I was told that it would be better if we ended our relationship.

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 monetary relief
Consumer complaint received 2021-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Hello, On XX/XX/2021, I had ordered accessories from the seller. It is now XX/XX/2021 and I havent received my merchandise. I spent a total of {$1500.00}. I messaged the seller multiple times about this and he had blocked me. He refunded me only {$0.00}. PayPal refused to help me. This specific seller has a history of fraud/scam and I did not know this until recently.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-11 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: MD

Complaint narrative:
OnXX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to XXXX  you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: TX

Complaint narrative:
XXXX XXXX XXXX is in violation of my privacy rights under HIPPA Law. I have continuously asked XXXX XXXX XXXX to provide me with a signed HIPPA release and they have continuously avoided my request but have sent private information about my injury and procedure. These accounts need to be removed from my credit file immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to.

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