vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-25 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: NJ

Complaint narrative:
Previous complaint : I noticed inaccurate information on my consumer report and requested an investigation into these items, but never received a response and it is to my knowledge that I should receive a response within 30 days. I submitted my initial request on XX/XX/2021 and today is XX/XX/2021, which makes it the XXXX day, so I am demanding per the FCRA that these inaccurate items be removed. I've attached the original documents and will be attaching my Demand to Comply letter as well. 

Now : I've attached a FTC report as an additional measure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I have called to ask what the debt was that was showing up on my credit score for {$180.00} IN COLLECTIONS. The first call I was told there was a glitch in the system and to call back and they could not tell me what the charge was for. The second time I was told there was no debt owed and a 0 balance after getting transferred 3 times over the course of an hour. When I asked for a statement sent to my email they would not send it. When I asked for a letter stating there is a XXXX balance, I was told " uhm no '' and was hung up on. I have closed this account years ago and there is no reason for me to have a balance OR to not be sent a statement for resolution and to be secretive on what that charge is.

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 2021-04-26 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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America allowed multiple fraudulent deposits into my account. We were the victims of this fraud. Bank of America closed our account and kept our funds. Because of this, we have been unable to open any account for a year. They also allowed XXXX, XXXX dollars to be removed from our account without being able to tell us where it went. They alleged it went to IRS. According to our tax attorney, IRS never received that money

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 2021-04-26 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 just want to complain regarding on my account XXXX Paypal banned my account without any reason can '' t with withdraw my money for almost 2months now. Badly need my money I workhard to earn to sustain my needs then suddenly cant withdraw. Why is just they banned my account? this email link in my paypal XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
My complaint is with Binance.US. I believe what theyre doing to me and other customers are criminal. They are holding my funds hostage and disabled my with drawl, trading, and deposits so literally no way to regain functions. Worst part is my money has been stuck in doge coin constantly going up and down and have lost over 100 thousand dollars due to these limitations also recorded me trying to withdraw and not being able too. Over the past 2 weeks Ive lost XXXX and issued many support tickets and never get a reply and one time I did and it was not related to my complaint I told them and then never heard back. On XXXX 2021 Binance.US sold two orders with no permission one for {$10000.00} and another for XXXX . I need this funding for a XXXX for XXXX and this is a urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: LCS FINANCIAL SERVICES CORPORATION
State: WI

Complaint narrative:
My credit score went down by 50 points on XX/XX/XXXX because of credit inquiry from some LCS FINANCIAL service. Never talked to heard of or dealt with anything with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: CA

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Returned items last year and never received credit. They keep adding on interest and late fees for items that I do not have in my possession. Calling and texting me over and over. I will not pay for items that I do not have and that were sent back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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 — Problem with personal statement of dispute
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
XXXX  XXXX XXXX allowed multiple fraudulent deposits into my account. We were the victims of this fraud. XXXX  XXXX XXXX closed our account and kept our funds. Because of this, we have been unable to open any account for a year. They also allowed XXXX, XXXX dollars to be removed from our account without being able to tell us where it went. They alleged it went to IRS. According to our tax attorney, IRS never received that money

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 2021-04-26 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4400.00}, {$16000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 


-- COLLECTION ACCOUNT XXXX. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I was scammed by one of my friends XXXX pages for covid 19 help and shes a musician. It was giving money in return for a bigger amount of money in return. I sent it through my XXXX XXXX and then they were asking for more money. I sent {$300.00} on XX/XX/21. when I told them on XXXX XXXXr it was a scam they blocked me. Come to find out it wasnt my friend but a scammer and her page had been hacked. Me and so many others fell for it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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:
PayPal closed my account for 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 explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
On the morning of XX/XX/21 my mortgage company Mr Cooper over withdrew my checking and savings account {$5500.00}. They took three months of mortgage payments in a row. Ive never been late, Im not on auto payment and had already made my XXXX payment. In the morning of XX/XX/XXXX I woke up to my bank accounts drained and had no money. Im lucky I have credit cards to get me through the day before the funds were replaced 12 hours later. I also bank with XXXX and it seemed to be an error on both parties Mr Cooper and XXXX for this unacceptable error according to social media. After an hour on hold with Mr Cooper I was offered no explanation but there was an issue with payment processing and XXXX after an hour on the phone with them could only route me to the claims department but did not give me funds to use for the day. I want to know what exactly happened and what compensation the company is going to award their customers for there inconvenience and breech of trust/law/ethics

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: NY

Complaint narrative:
I am writing to delete the information in my file. The items i need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my son.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: GA

Complaint narrative:
I noticed a fraudulent account on my credit report. This account is fraudulent and hindering my ability to obtain credit. Please remove this account 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 2021-04-26 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: FL

Complaint narrative:
i recieved a copy of my credit report and noticed fraudulent accounts. this is stopping me from obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: SC

Complaint narrative:
My rights as a consumer has been violated multiple times over and over and over again by these credit bureaus and corporations. They violated my right under the FDCPA, FCRA and Truth In Lending. Failure to investigate these items within 30 days gives a reason to immediately remove the items I pointed out in my letters that I sent over 30 days ago. Every account I disputed should be deleted if the instructions says to delete them and all late payments should be reflecting " paid on time '' per instructions. I demand everything I stated in my letter to be handled appropriately per instructions or I will file for litigation due to the continuing stress your causing me. My information also was also impacted by the Equifax data breach. please. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) I also stated each law you violated on my consumer report inside my letters also.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: GA

Complaint narrative:
I noticed a fraudulent account on my credit report. This account is fraudulent and hindering my ability to obtain credit. Please remove this account 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 2021-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America keeps sending me an email from time to time asking me to pay an amount I do not owe. 

Around the beginning of 2019, I got a call from them asking me about a massive overdraft on a checking account that was not in use for a while, I advised them those transactions were not made by me and therefore were unauthorized charges, they said it should all be okay then. 

After a while I still received a notice from them to which I reacted and called them to very why was I being charged all this money on an account I wasnt even using, they said fraudulent checks where deposit and cashed out of my account and that they were investigating but I shouldnt be concerned if it wasnt me, so I forgot about it. 

Then I recently logged in to my old email account where I found a monthly email from them about this. I do not owe this money and have no idea what kind of scam this is, so I figured a complaint would be my only option now. 

Please see below the email they send me. 

Account number ending in : XXXX XXXX XXXX : This is a reminder that your deposit account has been charged off after being overdrawn for several months. The total amount due is {$6100.00}. 

Youre still responsible for paying this amount in full. 

What you need to do You have several options for paying the amount due : Call us at XXXX, Monday through Friday XXXX XXXX  to XXXX XXXX. XXXX to pay by phone. 
Make a payment at a nearby financial center. 
Mail your payment ( s ) to Bank of America, XXXX XXXX XXXX, XXXX, DE XXXX. Be sure to write your account number on the front of your check or money order. 

We're here to help We appreciate the opportunity to work with you to resolve this issue. If you have questions, please call us at XXXX, Monday through Friday XXXX XXXX to XXXX XXXX. XXXX. 

This is an attempt to collect a debt and any information obtained will be used for that purpose. 

Thank you, 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 2021-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I DISPUTE THIS DEBT!!!!!!!!!!!!!!!!!!!!!!!!!! 
Hello, I will make this as plain as I can. I have lived in XXXX Florida XXXX XXXX XXXX account. I would have sent you a certified letter return receipt requested asking for proof of this debt, but as we both know your company has a track record of not responding to them. Convergent Outsourcing inc., never sent me a bill or any notification of this debt. I am a victim of Identity Theft. I found out about this debt last night and today I filed a Police Report with the XXXX XXXX XXXX case number XXXX. I could also type out all the codes you are violating under the FCRA and the FTC and CFPB rules for Debt Collectors, but why bother you know them as well as I do. I expect any and all derogatory action to stop while you respond to this complaint. I want to see any and all paperwork about this account ( Verification of the Debt ). I want the address of the location that used the power, I want the date it was opened how long it was opened who had the contract before this fraud account, and the bank account or the credit card information for any and all payments. If the payments were made at a check cashing location I want video of the person who made the payments. This is not a game so please understand you are committing Libel and defaming my name and credit report. I know company 's like yours like to tell people you will take them to court, but in this case, that's not needed because if this doesn't go away if I don't get a letter from you apologizing for reporting this fraud account in my name I will be more then happy to take you to court.

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 2021-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: FL

Complaint narrative:
this has to do with all card companies .... 

SOMEONE NEEDS TO STOP THE CARD COMPANIES PRACTICES OF ADDING THE CHARGES TO ONE 'S CREDIT REPORT ALMOST IMMEDIATELY .... 

BUT COMPLETE BALANCE PAYOFFS AND PAYMENTS TAKE A MONTH OR MORE TO BE POSTED ... 

THIS IS XXXX PARDON MY XXXX  ... 

THE COMPANIES HAVE THE ABILITY TO ADD THE CHARGES THAT FAST .... 

THEN THEY ALSO HAVE THE ABILITY POST CREDITS IN THE SAME SPEEDY MATTER ... 
I LIKE CAPS NOT YELLING ... 

EVERY COMPANY DOES THIS AND IT NEEDS TO STOP ... 
DISCOVER VISA FROM ALL LENDERS MASTER CARD FROM ALL LENDERS.. 
AND THAT'S YOUR DEPARTMENT ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: FL

Complaint narrative:
i received a copy of my credit report and noticed fraudulent accounts. this is stopping me from obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: DE

Complaint narrative:
SaturdayXX/XX/XXXX woke up to 8 unauthorized monthly payments taken out of my account. Called Mr. Cooper multiple times and was either disconnected or advised to leave a call back. Even sent messages on face back. No one had gotten back to me at all and had to find out through XXXX there was even an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I came upon certain negative remarks on my credit report. I have asked the companies to remove the items and they have not. I have no recollection of the items and sincerely ask for them to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: ORG GC GP BUYER, LLC
State: PA

Complaint narrative:
Someone was suppose to handle it. but the problem was never resolved.

Company response to consumer: Closed with explanation