vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kinum, Inc., Indianapolis, IN Branch
State: PA

Complaint narrative:
I have written Kinum Inc 2 letters to ask for validation of an account they are reporting on MY credit. They have never sent me any letters in the mail, no dunning letters, no standard debt validation letters, nothing at all. They failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have they ignored my prior requests for validation of debt but they continue to report this debt to the credit bureaus causing damage to my character. This complaint will again request that you follow the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I am requesting proof that I am indeed the party that the US DEPT OF EDXXXX and NELNET/90000043873 are seeking 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 Fair Credit Reporting Act ( FCRA ) Sec. 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ]. VALDIATION by definition in law means To assess an action to determine if it is delivering the right outcome. The US DEPT OF ED/XXXX is a corporation, meaning they can not do an assessment because they are not a Natural/Living person which an assessment can only be done by one who can be categorized as such. I respectfully requested that their offices provide me with competent evidence that I have any legal obligation to pay them. If their offices continue to report invalidated information to any of the three major credit bureaus ( XXXX XXXX XXXX ) this action might constitute fraud under both federal and state laws. I shall hesitate in bringing legal action against them for the following : Violation of the Fair Debt Collection Practices Act, Violation of the Fair Credit Reporting Act, Fraudulent accounting practices, Defamation of Character and emotional distress. Also be advised in order to be an original creditor personnel to Title 15 Chapter 41, you must be a NATURAL person with the ability to originate credit in order to be considered a creditor. ANY use of the term for any party other than that definition is a violation of FEDERAL law and they WILL be held accountable. As a FEDERALLY protected consumer and the only consumer in this matter I demand that they follow federal law when determining their response to the previous demands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Trans Union CRA is reporting an inquiry submitted by XXXX for dates XX/XX/XXXX and XX/XX/XXXX. I did not authorize or give permission for XXXX to pull my credit for those dates. Therefore, I am requesting that XXXX  to update their system reflecting this information and send to Trans Union to have these inquiries removed immediately.

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 2021-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MD

Complaint narrative:
just check my credit report and have derogatories accounts that does not belong to me at all from I.C System INC, Amounts are : {$900.00} and {$1900.00} as far I can see, have been reported SEVERAL TIMES since XX/XX/2020. 

Need that removed from my credit ASAP its been really hurting my score!

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 2021-04-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
THIS IS OUTRAGEOUS! I have disputed this account with you before, and thanks to your hard work and investigation, the inaccurate account was removed from my credit. Caine Weiner has since reinserted the item onto my credit. THIS IS A VIOLATION OF THE LAW! PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: NC

Complaint narrative:
When I checked the my Equifax credit report the around XXXX the XXXX I noticed under my Public records there was a Bankruptcy : Discharged CHXXXX placed on my credit report. I have never filed Bankruptcy and called Equifax in which they kept giving me the run around on what to do. So I called the Bankruptcy court in XXXX Michigan in which they instructed me to do and they say they have no record of me filing Bankruptcy in which I never lived out side of North Carolina. The phone number is XXXX they said they could not give me anything on paper stating I don't have a bankruptcy because they do no do that .I also called XXXX XXXX in which they stated they had no knowledge of me filing bankruptcy. All I want is for them to take this serious this has been a nightmare to me please have them to delete wrongful hurting information off of my credit report. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Marlette Funding, LLC
State: GA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: PNC Bank N.A.
State: OH

Complaint narrative:
I opened a Secure Credit card with PNC for {$300.00}. they never sent me a bill and I never got the card but they charged kept charging me a membership fee and reported late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: MO

Complaint narrative:
Trans Union CRA is reporting an inquiry submitted by XXXX XXXX for dates XX/XX/2020. I did not authorize or give permission for XXXX XXXX to pull my credit for that date or any date. Therefore, I am requesting that XXXX XXXX to update their system reflecting this information and send to Trans Union to have this inquiry removed immediately.

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 2021-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was charged an interest fee after I paid my balance off in full. My balance is due on the XXXX and my bill recycles on the XXXX I paid the balance off on the XXXX but I was still charged an interest fee. I have paid over {$2000.00} in less than 30 days but I am being squeezed for an extra {$15.00} I have been a customer with capital one for over XXXX yrs. and they claim I'm a valued customer I don't feel very valued I feel like I'm being robbed. I called customer service they gave me a song and dance about how there is nothing they can do about it I just have to pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
This is in reference to all my other complaints. It is XX/XX/21. XXXX XXXXXXXX XXXXI just received this letter today from phh mortgage. I think they are trying to give me late charges to scam me out of money. From my last complaint about not receiving mortgage statement. I received this letter today. I was promised from their manager that I would recieve a statement on XXXX XX/XX/21 for just XXXX. I did not. It was for XXXX and XXXX. Recieved late again Monday XX/XX/21. Sent payment XX/XX/21. Please read Statement picture attached.

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 2021-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
( Note : This is copy and pasted from the report I filed against PayPal on XXXX ) On XX/XX/2021, PayPal put a sudden and unwarranted permanent limit on my personal PayPal account after receiving a small payment for buying another coworker lunch. I then spoke to XXXX, an employee of PayPal, to try to resolve the problem. He had me submit my Drivers License to prove my identity. However, after waiting the 3-5 business days to have the problem solved, nothing changed. After calling them again on XX/XX/2021, I was then told that my account is now permanently limited due to " high risk '', preventing my from accessing the funds on my account. They explained that their internal system automatically did this and offered no explanation about how I broke the agreements between me and PayPal that caused this action. 

Later in XXXX, I tried calling them again but I think they have black listed my number. I keep getting hung up on after the system tells me about the call being recorded. I also tried calling them through the account cancellation line, but I have been on hold with no one to talk to me for over 12 minutes. Usually, I get an offer to press 1 and have them call me when it's my turn, but I didn't even get that message. The calls that prove my claim are attached to the message as an " XXXX '' sound file. 

On XX/XX/2021, I messaged them on XXXX to try and resolve it from there. Like they said while on the phone in XXXX, they said the account was permanently limited after a review and offered no answer why. They insisted that the decision will not be reversed. 

I want to have my account back as their actions are a breach of the contracts between us since they refuse to provide proof that I have violated any agreement. The reference ID for the permanent limit in question is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-15 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I reviewed my credit reports and found unverified accounts. I had previously disputed this account. I have never done business with the listed consumers. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begins 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. Please Cease and Desist all further communications and collection actives and provide the verification of the purported debt. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( PAID IN FULL BUT STILL SHOWING ON MY CREDIT REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
XXXX XXXX CRA is reporting an inquiry submitted by SYNC/PayPal for dates XX/XX/XXXX and XX/XX/XXXX. I did not authorize or give permission for SYNC/PayPal to pull my credit for those dates. Therefore, I am requesting that Sync/PayPal to update their system reflecting this information and send to XXXX XXXX to have these inquiries removed immediately.

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 2021-04-15 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: MO

Complaint narrative:
Trans Union CRA is reporting an inquiry submitted by XXXX for dates XX/XX/2021. I did not authorize or give permission for XXXX to pull my credit for that date or any other date. Therefore, I am requesting that XXXX  to update their system reflecting this information and send to Trans Union to have this inquiry removed immediately.

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 2021-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LJ Ross Associates
State: MI

Complaint narrative:
I sent a debt validation letter on XX/XX/2021 and LJ Ross Assoicates failed to validate my debt. Instead on XX/XX/2021 they sent me a list of my medical records, which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to my medical information. Please delete this information from my credit file and cease all collections and activities immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
XXXX XXXX CRA is reporting an inquiry submitted by Jpmcb Card for dates XX/XX/2020. I did not authorize or give permission for Jpmcb Card to pull my credit for that date or any date. Therefore, I am requesting that Jpmcb Card to update their system reflecting this information and send to XXXX XXXX to have this inquiry removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
just check my credit report and have derogatories accounts that does not belong to me at all from XXXX XXXX XXXX, Amounts are : {$470.00} and {$330.00} as far I can see, have been reported SEVERAL TIMES since XX/XX/2020. Need that removed from my credit ASAP its been really hurting my score!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been trying to get Experian and XXXX  to remove XXXX # XXXX a collections that is over 7 years. I have sent them both dispute letters months ago and nothing so far. I don't understand why this is still on my report when it over 7 years old. I hope you can help me with this matter and get this off my 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 2021-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Called Wells Fargo about interest rate on the visa personal credit card. They said can not negotiate interest rate. It is based on what you agreed to at time of application for card. I have had card for 20 years or more. I requested copies of all documents I signed regarding this card by letter on XX/XX/2021. On XXXX XXXX I received a form regarding the terms of my credit card account. I have not received the documents I requested. I believe they do not have anything signed by me and do not have the authority to charge any interest. My initial application was with a bank Wells Fargo bought. I never received anything about applying for a Wells Fargo credit card. Just received one in mail after they bought out my bank.

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 2021-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA

Complaint narrative:
In XXXX of XXXX, I signed up for an HSBC Advance Checking under HSBCs Q3 2020 promotion. Under the terms of this promotion, eligible new customers who open a new HSBC advance checking account will receive XXXX dollars if the account is opened by XX/XX/XXXX and recurring direct deposits totaling at least XXXX from a third party are made for three consecutive months from the second full calendar month after account opening. 

On XX/XX/XXXX, HSBC informed me via email that my account was approved. Therefore, if I make qualifying direct deposits on XXXX, XXXX, and XXXX, my account is eligible for the promotion. The offer mentions that the bonus will be credited no later than 8 weeks after the qualifying activities are met. Therefore, the latest the bonus should be delivered would be around the end of XX/XX/XXXX. 

After making the qualifying direct deposits in XXXX, XXXX, and XXXX and waiting the 8 weeks, I still did not receive the promotional bonus. I reached out to HSBCs customer service department and gave them the details of the promotion and my account activities. The customer service representative filed the case and gave me a case ID of XXXX. I was told I would hear back after the team that performs the account review reached a decision. I did not receive a callback so I had to follow up and have the case reopened. After discussing with XXXX XXXX, it was revealed that my promotion was rejected because the direct deposit was not considered a payroll deposit. I clarified that the name of the company I worked for was cutoff due to its length and to have the rewards department review my account details again. 

After waiting 5 business days, I was contacted by XXXX again on XX/XX/XXXX informing me that I was still to be rejected because the deposit was a cash concentration and not considered a payroll deposit. Even after describing that I can demonstrate the XXXX configurations that show the payroll deposit details, I was told that the case was closed and that the promotional bonus was to be reneged upon by HSBC. 

I plan to file suit using a consumer law attorney and receive representation for this case. I truly wonder how many promotions HSBC reneged upon considering the amount of companies that use XXXX as their payroll system and how many direct deposits may have gone classified as cash concentration. I hope to see CFBP take action and potentially have a class action lawsuit opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Credit card or prepaid card — Store credit 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: Klarna AB
State: TN

Complaint narrative:
Klarna is a credit card company assisting retailers. They provide credit cards to customers so customers can purchase from retailer. 

XX/XX/XXXX - Retailer issued credit to my fully paid Klarna card on prior purchase. 
XXXX - Nothing happened. 
XXXX - I contacted Klarna to ask for refund. Only communication option was a " chat ''. Chat rep advised the refund was " applied today ''. Impossible for a refund to take a month to apply, so I'm immediately questioning truthfulness. The rep told me I would be refunded in " 1-7 business days '' XX/XX/XXXX - No refund. I go to chat again. The rep tells me the need to " connect you with our finance department '' Then the chat goes dead and no more response. Then I can't connect to chat anymore, like I'm cut off. I advised I'm filing with CFPB. Waiting to hear back and this is me filing complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: MS

Complaint narrative:
CashApp allowed a merchant to obtain funds and not complete the service. CashApp then lied on the bank dispute and said that I, the consumer, received goods/services in full, which is a lie. I provided them with documentation showing the seller never responded after the company received a payment. I have contacted CashApp several times, and all they do is send automated responses. I have the proof, and it is unjustifiable for CashApp not to refund my money and lie.

Company response to consumer: Closed with explanation