vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-30 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: NY

Complaint narrative:
I XXXX XXXX XXXX XXXX # : XXXX ), I did not consent to, authorize nor benefit from any of the following accounts. Block and remove them. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 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 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
XXXX XXXX  I never leased anything from them had no contract or verbal agreements and they are not my responsibility they falsely obtained my social and date of birth and a judgement without serving me papers I dispute this she want it overturned

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 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: VA

Complaint narrative:
To whom it may concern : PayPal closed my account for absolutely no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Please pay close attention! I have been a victim of identity theft. This has been an ongoing issue with the original creditor ( XXXX XXXX XXXX XXXX XXXX XXXX, collection agency ( XXXX XXXX XXXX ) and this collection bureau ( Experian ) I have been consistent with attempting to resolve this issue. For over a year I have been communicating via mail to dispute and calling them. Nothing has been done. 
I have reached my limit with Experian I have notified them about this but nothing has been done. I am a real victim of identity theft and neither the creditor or experian wants to rectify this. I have sent police reports ( see attachments ) to collection agency and creditor but none have responded regarding this. So I'm reaching for you guys help which I desperately need to REMOVE this account from my credit report. Immediately! This has affected my life so negatively. I need this removed As Soon As Possible.

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 2021-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
Hello, We have tried to transfer money through Money Gram to help people in need in the XXXX. The transfer did not go through with no reason and refund has not been completed yet. Money Gram claims that the funds were returned to XXXX and XXXX claims that they have never received any refunds. We have been on the phone over 10 hours with both financial institutions. We have emailed, faxed, called, twitted to solve the issue with no luck. We need the Bureau`s help to get our money back and to stop this fraud. 

Transaction date : XX/XX/2020 Amount : {$300.00} Money Gram transaction Number : XXXX The last response from Money Gram : From : XXXX XXXX Sent : Tuesday, XX/XX/2020 XXXX XXXX To : XXXX Subject : XXXX Case XXXX Dear XXXX XXXX XXXX , Thank you for your communication to us detailing your concerns associated with MoneyGram International XXXX 

You have stated that you have attempted to request a refund for your transaction XXXX in the amount of XXXX ( USD ). 

Our records show that on XX/XX/2020 we received a charge back request from your bank. Since your transaction was rejected by intended receive party MoneyGram accepted the charge back and funds were returned by your bank. 

If there are any issues we would advise to contact your financial institution for assistance. 

Thank you, XXXX Executive Escalations Specialist IV ______________________ MoneyGram International ref : XXXX : ref

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
My account was banned last year for no reason and they told me wait 180 days. Ok even though thats extremely long I waited. After 180 days I still have not received an email! I emailed them and they said just wait for an email. Theyre not even following theyre own rules! How you have a policy to hold funds for 180 days then when that day come you cant give me my funds. The 180th day was XX/XX/XXXX and I still didnt receive an email to retrieve my funds. This is illegal and PayPal are scammers with a legal business. I came here because on the PayPal community center other users said they had to file a complaint to get they money back. I was hoping you could help me too. My email for PayPal is ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 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: OH

Complaint narrative:
I have been submiting disputes to Experian for over 6 months and i feel than I am being treated " UNFAIR '' which is a direct violation of multiple united states codes. I have submitted numerous documentation and made countless phone calls to seek help with unaccurate information on my consumer report. Numerous disputes have been returned as verified which I the consumer never verified these alleged debts and accounts. I have 15 usc 1682 ( a ) ( 1 ) a ) '' ( Accuracy and fairness ) of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. In addition to that Experian have violated federal united states code by assumed a vital role in assembling and evaluating consumer credit and other information on consumers and was never given written consent as needed as defined in 15 usc 1681b ( a ) ( 2 ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2021-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Navy federal seized my bank account on XX/XX/XXXX for the amounts of XXXX checking XXXX checking I had no knowledge of the debt because I never received written notification. I spoke with an agent in the credit card department and he stated that there was a change of address around XX/XX/2016 made by my attorney for veterans compensation. I had no knowledge this occurred, therefore I could not act on a letter that I was being sued because my mail went to my attorney, XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: FL

Complaint narrative:
Failed to verify debt. HIPPA rights have been violated I did not authorize or sign a hippa form to access my medical records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: ME

Complaint narrative:
In XXXX of XXXX Lakeview Lan Servicing LLC ( subservicing by XXXX ) contacted us and stated we had not made our XX/XX/2021 mortgage payment. We submitted proof the payment was made electronically by our local bank, XXXX XXXX XXXX. XXXX later sent us a letter telling us it was their mistake. 

XXXX sent us an email around XX/XX/2021, stating they had not received the XX/XX/2021 payment. I called and spoke with XXXX and XXXX on XX/XX/2021, and told them our bank, XXXX XXXX XXXX, had electronically paid them on XX/XX/2021. So the XX/XX/2021 payment was made a day EARLY. I later confirmed that by contacting XXXX XXXX XXXX. 

Yesterday, ( Saturday XX/XX/2021 ) we received a letter from XXXX stating we had not made the XX/XX/2021, mortgage payment. They assessed a late fee of {$22.00} and stated we had not made the XX/XX/2021 payment. 

We have been paying XXXX the exact same way since the inception of the loan, ( about five years ) which is through a bill pay service with XXXX XXXX XXXX. The payments have been sent automatically since the inception of the loan. 

XXXX is claiming they have not received the payment for XX/XX/2021. I checked our XXXX XXXX XXXX account on line and the payment was debited from our account on XX/XX/2021. So it was paid early. 

Our account number with XXXX is : XXXX My phone number is : ( XXXX ) XXXX LoanCare phone number is : XXXX XXXX  address is : XXXX, XXXX XXXX XXXX, XXXX XXXX, VA 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 2021-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
XXXX XX/XX/2021 I believe Citizen 's bank has one of the worst online banking system available. It is slow, often does not work correctly, and takes excessive time to post updated balances and deposits.I have MANY online accounts ( and broadband ) and this is by far the absolute worse. I also believe that this is a systemic problem from which they directly profit financially. 

I recently made a deposit for a loan payment and it didn't even show up in their system until days later. This has happened several times before and it makes duplicate payments inevitable. When the Citizen online system burps, they pile on fees ( overdraft, sustained overdraft, or whatever ) and have habitually returned the fees. I believe they know their system is terrible. 

They recently assessed XXXX {$100.00} in fees ( again for a duplicate payment - deposits fail to post until days later ), and returned all but {$30.00}. I want my {$30.00} back. I simply can not be responsible for Citizen 's arrogance, poor online banking system, and virtually non-existent customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Recovery Systems, Ltd
State: FL

Complaint narrative:
Failed to verify debt. HIPPA rights have been violated I did not authorize or sign a hippa form to access my medical records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase Auto Finance/JP Morgan Chase Bank : My Car was repossessed on XX/XX/XXXX. The total amount due on the loan was {$1700.00}. Once the car was repossessed the total was now {$2400.00}. A payment of {$700.00} had cleared by my bank being XXXX XXXX XXXX by XX/XX/XXXX. On Monday XX/XX/XXXX, I spoke with XXXX XXXX of the repossession department, when he told me the total amount that I owed and that it needed to be paid by XX/XX/XXXX. I made another payment on XXXX of {$750.00} and on XXXX a payment of {$300.00}. I made a final cash payment on XX/XX/XXXX for {$700.00}. Once I made the payment I called to find out how and when I could get my car back. I found out that someone from Chase released my car to the auto auction on XX/XX/XXXX. I was given another phone number. I called that phone number, and they told me they needed to speak with the Chase Bank banch manager to confirm the total due on the account had been paid. I walked back into the Chase Bank branch, when the branch manager invited me into her office. The branch manager called the phone number I gave her. The person then asked to speak to me. We then were transferred to speak to someone else. This routine continued for about two hours. I finally asked when I could get my car back. I was told maybe in ten business days. I figured that is about XX/XX/XXXX. The branch manager could not believe what I was being told, and became angry, upset and embarrassed. During this time she was writing an email to her manager about the situation. The bank manager told me that I should not be responsible for anymore fees, and that the bank should be responsible for any damages to the vehicle. The bank manager told me contact her with any further problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I contacted this Jefferson Capital about two XXXX accounts they reported to all 3 credit bureaus that were not mine. I never had XXXX phone service, and they sent me letters and told me on the phone the debt would be removed from my credit report, It was removed on XX/XX/2021, XXXX XX/XX/2021 it was back on my credit reports. I am disputing this again with credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My credit report showed that I had a late payment on XXXX of XXXX to my Kohls credit card. I have made multiple attempts to have this corrected on my report but to no avail. Back in XXXX I contacted kohls on the phone and they agreed that the account was paid in full and the negative late payment would be removed from my report entirely. That is not the case and it still is negatively affecting my credit score. I have been using the kohls card since XXXX with no late payments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-30 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: OH

Complaint narrative:
I have been submiting disputes to Equifax for over 8 months and i feel than I am being treated " UNFAIR '' which is a direct violation of multiple united states codes. I have submitted numerous documentation and made countless phone calls to seek help with inaccurate information on my consumer report. Every agent and or rep that I spoke with have been using obscene and profane language with me causing punitive damages to me as the consumer and in addition to the reps not attempting to help rectify inaccuracies. According to 15 usc 1682 ( a ) ( 1 ) a ) '' ( Accuracy and fairness ) of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. In addition to that Equifax have violated federal united states code by assumed a vital role in assembling and evaluating consumer credit and other information on consumers and was never given written consent as needed as defined in 15 usc 1681b ( a ) ( 2 ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Williams, Rush & Associates, LLC
State: MD

Complaint narrative:
To Whom it may concern As the origian creditor ; Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same under 15 USC 1602 ( l ) which is The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.. Notice congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer transaction listed below. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my consumer report immediately as they are violations of my rights as a federally protected consumer under title 15 chapter 41. Also pursuant to 15 USC 1692d ( 1 ) the use or threat of use of violence or other criminal means to harm the physical person, reputation, or property or any person. William and Rush has threatened to garnish my taxes to in which I am the consumer and they have violated my right to privacy ; pursuant to 15 USC 1681 ( a ) ( 4 ) there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartially, and respect for the consumers right to privacy. 


- William and rush associates ( acct : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 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: FL

Complaint narrative:
TransUnion fails to remove {$200.00} XXXX closed account charge off. I contacted XXXX to address this issue and theyre trying to charge more money than amount due. Credit agency fails to remove 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 2021-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I received an email from LVNV saying they purchased a debt from XXXX XXXX for {$1700.00}. I have no idea if this is a real company. I dont have this high of a credit limit on my card and my current balance is only {$17.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I am an individual with a XXXX XXXX  that I file on my personal tax return. The business name is XXXX XXXX XXXX XXXX XXXX. I contracted with my bank, PNC Bank for a XXXX point of sale system. Since the beginning XXXX has been nothing but problems. Most recently, my system will not connect to wifi via a standard wifi hotspot. I followed the instructions of PNC 's third party vendor, XXXX to do a factory reset of my device, causing me to lose sales saved in the device and not synced to the bank. I am tired of the bank punting me to XXXX who is clearly incapable of resolving the rpoblem.

Company response to consumer: Closed with explanation