vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I never received any notice or call from the company Portfolio RC. I had a credit card with XXXX XXXX years ago. When i was going through XXXX  XXXX XXXX XXXX and a divorce at the same time my ex husband used my credit cards. I have tried to contact the creditor as well as the credit bureaus but there has been no resolve. I also put a fraud alert on my credit reports. 
There is no telephone number or company information listed for Portfolio RC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 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
State: GA

Complaint narrative:
Ive had my pay pal account for some years I rarely use it. But I got a Crypto and bought some eth.. and I left it on the account an I check from time to time.. I have the app and the only to bypass my code is to use a finger print because all of my codes are stored on my XXXX so I just use a finger print. Recently I go to check my account and realize my finger print no longer works. My account doesnt work at all my email address still holds my name but my password doesnt work.. so, I realize someone hacked my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: WA

Complaint narrative:
On XX/XX/XXXX I deposited a check for {$2500.00} via mobile banking at KeyBank. Before clicking to confirm the deposit a window came up and said any funds deposited would not be available until Saturday XX/XX/XXXX at XXXX XXXX and asked if I still wanted to proceed with the transaction. I clicked ok and finished the transaction. Saturday XX/XX/XXXX at XXXX XXXX  I tried to pay a bill online and my card was declined. I called customer service and found out they had put another hold on my account until XX/XX/XXXX. They would not take the hold off and they would not cancel my deposit. Had I known this was going to happen I never would have deposited the check there. They lied to me and it has completely destroyed me. I had a work deadline to meet and was counting on that money to finish. Now I have missed the deadline which has cost me thousands. How can this bank tell me one thing and do a complete other? It's ok for them to lie?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 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: LA

Complaint narrative:
Experian has been reporting inaccurate information on several accounts and refuse to send me the original paper work or contract with my wet ink signature. They have reported XXXX XXXX XXXX act # XXXX inaccurate information on my credit report, they are reporting that the account Date Opened : was on XX/XX/XXXX, which is inaccurate, High Credit : {$12000.00} also inaccurate Date of Last Payment : XX/XX/XXXX which is incorrect. 

Experian is inaccurately Reporting XXXX XXXX act # XXXX date opened XX/XX/XXXX, which is inaccurate, high credit {$0.00}, date last active XX/XX/XXXX, which is inaccurate. 

Experian is inaccurately reporting XXXX XXXX act # XXXX date XXXX, High Credit : {$0.00} Experian is inaccurately reporting XXXX XXXX XXXX account # XXXX inaccurate date open, high balance, amount owed

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 2021-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: SC

Complaint narrative:
XX/XX/XXXX an amount of {$480.00} is being attempted to be collected. XX/XX/XXXX an amount of {$170.00} and {$240.00} is being attempted to be collected. XX/XX/XXXX an amount of {$2500.00} and {$490.00} is being attempted to be collected. Statement date is labeled as XX/XX/XXXX from CMRE.

I have contacted CMRE multiple times over the course from XXXX to present requesting the itemized list of charges. I am provided with bills that do no provide service dates or service types. I made an agreement in XXXX to pay {$78.00} with XXXX ( XXXX ) interest and was paid monthly while still requesting receipts for payments made and what they are going to. I'm told constantly that receipts are " on demand/as requested ''. I've made multiple requests for itemized receipts and have yet to received one. I've called and have a case manager, who's name I do not remember and have left this person many messages with direction as to where to call me and have yet to receive a call back.

The letters I have received from CMRE are payoffs for accounts that are not listed on any bill/demand letter from CMRE. 

As of XX/XX/XXXX I received a letter from another debt collection agency XXXX XXXX XXXX attempting to collect payments of XX/XX/XXXX, {$210.00} XX/XX/XXXX, {$280.00} and XX/XX/XXXX, {$2900.00} XX/XX/XXXX, XXXX for a total of {$4000.00}. These amounts do not match to the amounts by CMRE. 

As of XX/XX/XXXX CMRE on their website published a charge for XXXX with no prior notification of any kind and has called to collect on this debt as well. A bill was requested and as of XX/XX/XXXX no bill has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 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: PA

Complaint narrative:
I submitted multiple disputes and an FTC report regarding fraudulent hard inquiries on my credit reports. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2021-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Solomon and Solomon, P.C.
State: NY

Complaint narrative:
On XX/XX/2021 I paid off an {$800.00} debt to Solomon and Solomon for an old utility bill with XXXX ( See attached proof of payments ). After paying the debt off, the debt reappeared on my credit report with a different debt collector. This debt has been paid and I do not owe {$800.00} to XXXX. XXXX, XXXX because the debt was satisfied prior to being sold to XXXX. XXXX. I paid the XXXX bill, and do not own any more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 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: PA

Complaint narrative:
I submitted a dispute as well as an FTC report for fraudulent accounts listed on my credit report. There is one that still has not been removed. 

Experian : XXXX XXXX XXXX {$340.00}

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 2021-09-05 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: PA

Complaint narrative:
I submitted multiple disputes and an FTC report regarding fraudulent hard inquiries on my credit reports. 

Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2021-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On Saturday XX/XX/2021, I tried making a payment on my card using capitals ones website and the app but for some reason it identified that I dont have any acccounts to service at this time. This affected me so much due to the fact that it is XXXX XXXX weekend and I needed to make a payment on my account to use my credit which is a XXXX given right that shouldnt be deprived of. I dont why my account would be removed from their online database as online banking is an important role in todays society. I wasnt able to purchase food and gas through my card. I suffered damages of having to borrow money from someone else with interest applied. I dont understand how capital one could make an error and not inform me this act is devastating. XX/XX/2021 I called capital one to ask them why my account has been deleted from the online database without my request or informing me. I was told I would need to re enroll again to continue my online banking as I did before. This is a disgrace to me the consumer and even if capital one isnt aware of this computation error they are still liable for damages under 15 USC 1693H. Thank you so much Consumer Financial Protection bureau for protecting my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is the 3rd time someone has used my card with Capital One Bank. With the first experience everything went smoothly but the second, they have refused to help all I receive was a letter stating your claim has been denied. I said this is ridiculous but I dont have the money to hire an attorney so I said let me call them again. They then said they dont find any error and I should contact the merchant. I refuse to because I know when I used my card and every transaction I do I can account for ( that was in XX/XX/2021 ). Yesterday, Im home, I know I had to move most of my money out because of fear that itll happen again and my bank will refuse to give me my money back. I have an upcoming storage payment where I previously transferred some money and left {$110.00} in the account and {$200.00} in savings only to see that someone has gotten a hold of my card again and this time there are 3 charges of {$30.00}, contacted my bank and agin the excuses started to pour in. This is unacceptable and I was told that theyre not going to pay my storage charge of {$110.00} when it comes in for processing. This is unacceptable and again I was told to contact the merchant and I attempted to but the number provided does not accept incoming calls. Now what?? Im out of $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a previous FTC report to have inquiries removed from my report after my car was brpken into and my wallet was taken. 

the previous FTC report was submitted with errors for the follow inquiries : XXXX XX/XX/XXXX DATE SHOULD BE XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. DATE SHOULD BE XX/XX/XXXX XXXX XXXX XX/XX/XXXX. DATE SHOULD BE XX/XX/XXXX The report I received Confirmation # XXXX indicates the inquiriy XXXX  XXXX/XXXX/XXXX was deleted but the inquiry is still present on the report. There's another date for the same inquiry that should be deleted as well : XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: UT

Complaint narrative:
In XXXX my friend and I had made a deal and he send me XXXX XXXX coin approximately valued at XXXX XXXX He sent it from his binance account to mine but messed up the MEMO order. After seeing I didnt receive this transaction I reached out to Binance.US support and finally after week got a response. Finally they asked for all the details screenshot, and actual videos of me and the sender to prove I was the correct recipient. Finally they told me that the XXXX would be credited to my account! Ive been waiting and waiting and now 1.5 months later and me being unable to get them to reply to any of my messages or emails to figure out whats going on! Please help me Ive filed with SEC, FTC and now here please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My deceased wife XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX passed away on XX/XX/XXXX and I am the executor of her estate. Throughout the winter and spring of XXXX XXXX, I found out that our former terminated home aide had committed fraudulent activity on many of XXXXXXXX XXXX  credit cards and checking accounts very soon after XXXX passed away. Including her Bank of America accounts. I reported this to Bank of America. And I since learned that Bank of America filed a creditors claim against the estate in XX/XX/XXXX. XXXXXXXX XXXX estate attorney advised us of this creditors claim. Through emails and phone calls, I have been trying to get in contact with Bank of America to obtain a status of the fraud claims we filed so we can resolve the creditors claim. I have been told that only XXXX XXXX of the Bank of America Estate Department can help us. I, along with XXXX XXXX of the Bank of America XXXX, NY branch office have been trying to get in touch with Ms. XXXX to assist us and she has failed to respond to myself or Mr. XXXX. Mr. XXXX has tried calling and emailing Ms. XXXX. In addition, I have sent Ms. XXXX several emails and have gotten no response. This has been going on since early XXXX. All other outstanding issues with with regard to XXXX 's estate have been reconciled EXCEPT for the Bank of America issues. It is of utmost importance that I speak with Ms. XXXX or her supervisor or anyone at Bank of America so I can resolve the creditors claim and move forward with probating Jewel 's estate. 
My daughter has been assisting me with this process. After several months of no response, she contacted the CFPB. Bank of America requested an extension to research the complaint my daughter filed. And after 2 months of Bank of America promising that they would send a response, their sole response was that they couldn't speak to my daughter and thereafter closed their file. What is particularly frustrating, Ms. XXXX and XXXX XXXX, of Regulatory Complaints at Bank of America did call my daughter upon receiving the complaint and at no time, did they raise the issue that they couldn't communicate with my daughter. I just need someone at the bank to respond to me so we can close out my deceased wife 's estate. All distributions are being held up until the Bank of America resolves the claims.

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 2021-09-05 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: PA

Complaint narrative:
I have never been associated with the address listed on this " XXXX XXXX XXXX XXXX '' account and have never had an XXXX XXXX XXXX account in the last 10.5 years.

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 2021-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX  has been reporting inaccurate information on several accounts and refuse to send me the original paper work or contract with my wet ink signature. They have reported XXXX XXXX XXXX act # XXXX inaccurate information on my credit report, they are reporting that the account Date Opened : was on XX/XX/XXXX, which is inaccurate, High Credit : {$12000.00} also inaccurate Date of Last Payment : XX/XX/XXXX which is incorrect. 

XXXX  is inaccurately Reporting XXXX XXXX act # XXXX date opened XX/XX/XXXX, which is inaccurate, high credit {$0.00}, date last active XX/XX/XXXX, which is inaccurate. 

XXXX  is inaccurately reporting XXXX XXXX act # XXXX date open:XXXX, High Credit : {$0.00} Experian is inaccurately reporting XXXX XXXX XXXX account # XXXX inaccurate date open, high balance, amount owed

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 2021-09-05 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: IL

Complaint narrative:
On XX/XX/2021 I sent a letter regard inaccurate and unauthorized information reporting on my credit report. Since then, XXXX  and XXXX  have removed this items listed in the document attached. You are the only agency reporting this inaccurate item. I feel like I am taken advantaged and disrespected. I also think that my disputes have possibly gotten into the wrong hands of someone do to the inability to correct this noticeable issue. Please remove items immediately or filing for litigation will be the end result due to all of the anxiety this issue has caused 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 2021-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
SPS select portfolio servicing loan is delaying my mortgage statement for three months and has billed me for late payment fees and I have never been late or missed a payment. This has given a hit on my credit report for providing falsifying information. My payments has been timely and never late for the 18 years and I will not be forced to sending monthly check payment.Today is XX/XX/2021 and I have not received any XXXX statement and I have already mailed the bill as noted and provided the check date.i am an federal employee and I do not need bad, lying reports on my credit history. With a complete investigation it will be determined that this servicing company is attempting to defraud its consumer by reporting falsifying information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: MA

Complaint narrative:
I was a patient at the XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX County, NJ ) from XX/XX/XXXX to early XXXX. I am receiving bills from a collections agency ( Radius Global Solutions, LLC ) for services I received at the facility. 

However, I did not receive a single bill from XXXX for any of these services, either by mail or online. I have a subscription to IXXXX XXXX XXXXXXXX from USPS, so I have a record of NOT receiving any bills from XXXX  facility. I did not receive e-bills on XXXX either. 

I have made a few payments in good faith, but the collection bills keep coming and I am afraid they may not be legitimate. This practice of XXXX sending bills directly to collections is questionable. I am been unable speak to someone at XXXX who could explain why this happened and help resolve the distress I feel from these collection letters. 

I mailed a letter to the collection agency in XXXX asking them for a complete, itemized amount owed. I have received no response. I then mailed another letter on XX/XX/XXXX questioning the veracity of the bill to the collection agency. This time I took pictures of the letter and of the envelope -- again so response yet.

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 2021-09-05 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: Phoenix Financial Services LLC
State: MI

Complaint narrative:
On XX/XX/2020, Phoenix Financial reported to the credit bureaus a derogatory mark on my consumers credit report. The original creditor Is XXXX XXXX I, which I dont see how because as a consumer Im the original creditor. I did not give Phoenix Financial my written consent to report anything to my consumers report. No consent is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 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: PA

Complaint narrative:
I have never been associated with the address listed on this " XXXX XXXX XXXX XXXX '' account and have never had an XXXX XXXX XXXX account in the last 10.5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: AL

Complaint narrative:
This is a collection account that I never signed or agreed too I have no knowledge of where this account came from or why I am being charged for this as I have no accounts in similar to this account and need it removed from all credit profiles ASAP as this is hendering my business growth

Company response to consumer: Closed with explanation