vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
I received a payment and as I was trying to withdraw the funds I received a message unable to process so I was trying to relink my paypal since I'm having trouble cashing in as I was doing the process many times the paypal message me that they will permanently limit my account and will not be able to use paypal I will not be able to withdraw and send payments. I was trying to email them and I was always redirect to the resolution center but no resolve button since they will permanently limit my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My XXXX XXXX XXXX XXXX XXXX  was removed from my credit report. XXXX  told me it was because the lender ( XXXX XXXX XXXX ) told them to do so. I called both parties who blamed one and other and told me there wasnt anything I could do. My account is sure to and paid with a XXXX $ availability. Therefore inaccurate information is being reported. Im not receiving proper information and its directly affecting my credit which I find very unfair! Please help 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 2021-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My open XXXX XXXX XXXX XXXX was removed from my credit report. XXXX told me it was because the lender ( XXXX XXXXXXXX XXXX ) told them to do so. I called both parties who blamed one and other and told me there wasnt anything I could do. My account is sure to and paid with a XXXX $ availability. Therefore inaccurate information is being reported. Im not receiving proper information and its directly affecting my credit which I find very unfair! Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: CURO Intermediate Holdings
State: LA

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 2021-06-25 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: NJ

Complaint narrative:
Since XX/XX/2020, I've disputed the creditor XXXX XXXX XXXX XXXX. I do NOT know this company, never heard of them before, never entered into a contract with them before, yet they appear on my credit report for {$29000.00} in debt. I've requested copies to satisfy the validity of the debt from XXXX  and TransUnion without success, and this item continues to appear on my credit report negatively impacting my creditworthiness. 
After the dispute, the credit bureaus respond that they " verified the debt '' without providing any documentation that the debt is valid -- they can't because I've NEVER gone into any agreement with this company. They are violating my rights without consequence.

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 2021-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I can not get my credit report from either XXXX or trans union. I have paid for services to get this from them as well and still unsuccessful!

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 2021-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I can not get my credit report from either XXXX  or XXXX XXXX. I have paid for services to get this from them as well and still unsuccessful!

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 2021-06-25 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the 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 2021-06-25 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: TX

Complaint narrative:
On XX/XX/2021 I sent a letter in regards to inaccurate/unknown items on my credit report. Till this day I have not received a response yet. I feel like I am being taken advantage of and being ignored of my dispute.Section 611 ( A ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. That time has lapsed so they should be deleted promptly. I demand this inaccurate information be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten in the wrong hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: MD

Complaint narrative:
XXXX XXXX, I hope that you and yours are all doing well. I sent Binance approximately $ XXXX of XXXX and XXXX for the purchase of XXXX coins through the binance.com portal. I only see {$1800.00} in XXXX, XXXX, and ETH coins in my Binance wallet. The amount should be many times that amount. Their customer service support is not adequately responding. 

Would you kindly call me at XXXX. Thank you. 

Warm Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: TX

Complaint narrative:
I have tried disputing with all three credit bureaus and included police report as well with Federal trade commission report I have asked all three credit bureaus to send me documentation with my signature on what was allegedly owed and the fail to do so and ignored my request coming to cfpb is my last resort before i file legal actions against all three credit bureaus for not complying

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My identity was stolen, my checks and driver licenses were used fraudulently resulting in my back account to be closed and the bank listing me as fraud alert which is stopping me from opening an account, I have paid the necessary fees for the account, but Im still listed as fraud alert I have disputed this matter several times

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have sent over several dispute letters and they have not been rectified! Please update and delete. This inaccurate information is causing my credit harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: TX

Complaint narrative:
I have tried disputing with all three credit bureaus and included police report as well with Federal trade commission report I have asked all three credit bureaus to send me documentation with my signature on what was allegedly owed and the fail to do so and ignored my request coming to cfpb is my last resort before i file legal actions against all three credit bureaus for not complying

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 2021-06-25 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: NY

Complaint narrative:
Debt validation letter XXXX XX/XX/2021 Name : XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX Company name : I.C. SYSTEM.INC Collection opened : XXXX XXXX Collection amount : {$780.00} RE : Account # XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the alleged debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for validation made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Best regard 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 2021-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: FL

Complaint narrative:
I used the payment processor SquareXXXX to process payments in XXXX of 2020. My account was cancelled and they help about {$17000.00} of my money. I was never given a release date. After multiple emails, they finally said my money was being held for 180 days, which was XXXX XXXX, It is now past XX/XX/XXXX and I can not transfer my money or get a response., There are no disputes pending and it is too late to file disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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:
These accounts are fraudulent and need to be deleted from my credit report as soon as possible. I am a victim of identity theft and did not make these charges whatsoever. Please delete these alleged accounts as soon as possible. I reported this and have also included the FTC Affidavit that lists the fraudulent accounts. I have also made a complaint with the CFPB. Please remove these alleged accounts as they are causing a substantial amount of harm and inconvenience to me as a consumer.

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 2021-06-25 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:
These accounts are fraudulent and need to be deleted from my credit report as soon as possible. I am a victim of identity theft and did not make these charges whatsoever. Please delete these alleged accounts as soon as possible. I reported this and have also included the FTC Affidavit that lists the fraudulent accounts. I have also made a complaint with the CFPB. Please remove these alleged accounts as they are causing a substantial amount of harm and inconvenience to me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: CITIBANK, N.A.
State: MD

Complaint narrative:
We, XXXX XXXX and XXXX XXXX saw a scheme on the XXXX XXXX website. If we get the AA Citibank Credit Card we would get {$250.00} off the first purchase of air tickets. So we both went ahead and individually applied for the cards. I, XXXX XXXX booked tickets from XXXX to XXXX on XX/XX/XXXX for {$330.00} with my card ( ending XXXX ) and XXXX XXXX booked return tickets from XXXX to XXXX with her card ( ending XXXX ) for {$330.00}. Citibank charged us the whole amount of {$330.00}. We both filed disputes. I, XXXX XXXX, had taken a screenshot of the XXXX XXXX offer. I was refunded the {$250.00} and had to pay only {$85.00}. XXXX XXXX had taken a screenshot also, on a different computer that saved the screenshot in a .png format. Citibank said that the image was not clear and that we should mail a print out to the XXXX XXXX, XXXX XXXX XXXX She sent it via tracked certified mail, tracking number XXXX and it reached the post office pertaining to their XXXX XXXX XXXX XX/XX/2021. XXXX never received an acknowledgement of her letter from Citibank. Moreover, while the transaction was still in dispute, they added on penalties and interest. They also sent her to collections and started harassing her with calls. Whenever she tried to call disputes, her call was always redirected to the collection agency. After this, just to not have to deal with the harassment, XXXX XXXX paid up the complete bill. However, on XX/XX/2021, Citibank had severely damaged her credit score. This is having a major financial impact in relation to an impending house purchase.

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 2021-06-25 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: EQUIFAX, INC.
State: LA

Complaint narrative:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: AFNI INC.
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Last week, I was trying to send money through domestic wire from my Chase bank to my crypto exchange account. Before I had been sending through debit which takes a 3 % fee. 

This time I was trying to send {$3000.00}. I did and Chase of course blocked it and my mobile log in. I called to verify and it was all good. But my wire transfer was canceled. It showed up as pending on my brokerage account though. 

So I try sending {$3500.00} and again was blocked my own bank. I called verified and logged in again to see my wire transfer canceled AGAIN. It showed up as pending on my brokerage account still. 

So now, I try sending {$5000.00} and they blocked it! I was furious, I called verified and made sure they sent the money. I logged in and see {$5000.00} out of my account. But this time no PENDING status on my brokerage account. IT WAS THE SAME ADDRESS. 

I'm pretty sure Chase lost my {$5000.00} and are coming up with excuses. I called my exchange and nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: MD

Complaint narrative:
I've reached out previously about inaccuracies on my consumer report. I am completely stressed and physically ill because of it. I havent been able to work and have lost weight and my hair is falling out.

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 2021-06-25 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: MD

Complaint narrative:
I've reached out previously about inaccuracies on my consumer report. I am completely stressed and XXXX XXXX because of it. I havent been able to work and have lost weight and my hair is falling out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: IL

Complaint narrative:
XXXX XXXX XXXX placed me 2 accounts in collections. Lvnv funding has been contacting me. I paid the smaller amount off. The larger amount i was told there is no record of account to pay. But LVNV is actively monthly reporting the debt is valid. Impossible to resolve this collection. 

LVNV Funding {$1200.00} Last reported XX/XX/2021 Thanks for your time, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with fraud alerts or security freezes — 
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
they got a credit card with my name and information without my permission and ruined my credit score.

Company response to consumer: Closed with non-monetary relief