vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I started by disputing with the collection company XXXX XXXX which is the collection agency my debt has been sold to. When doing so they just said that they verified the account on their end. Which is incorect according to the dates I have on file. 
The Name of this account is XXXX XXXX Acct # XXXX. 
I then disputed with both Equifax and XXXX twice about this account that is past the Texas Statue of Limitation which is currently 4 years.

In my disputes letters I stated that not only are the dates wrong of when it says the account was opened but it is also past the Texas statue of limitations. Each time I have disputed and provided the documentation from the original creditor that shows this account was opened XX/XX/XXXX. Both times that I have disputed these items they come back as verified with the credit bureaus. The only thing that seems to be updating on these accounts is the date when the account was opened which they currently have as XXXX, XXXX which is innacurate. Each time I have diputed these dates have been randomly pushed forward. 

When I called these organizations to get a better understanding of why they were coming back verified, I was litterally told that the credit bureaus do not actually verify this information themselves and that they send it to the collection agencies to verify but no actual investigation is done on the credit bureaus side.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: NY

Complaint narrative:
I ordered a vacuum from XXXX  on XX/XX/XXXX totaling {$610.00}. I did not receive a shipping notification so I called the vendor multiple times but I did not receive a response. 

I called my credit card company, XXXX, and asked them to dispute the charge. They did and they found that I should have my funds returned to me. 

I received an email from XXXX on XX/XX/XXXX stating the funds would be returned. I then began receiving emails that I owed XXXX the amount of the funds returned to me {$610.00}. I tried to call XXXX many times but it only asked for an account number which I did not have and the reference number from the email did not work. I did not create a XXXX account. ( Later I found out it was an account created by the merchant to process the transaction ) On or about XX/XX/XXXX I received a letter from XXXX  XXXX XXXX stating that I owed {$610.00} to XXXX. I called them and spoke with XXXX XXXX. He listened to my story and he said he would get more information. I spoke with him several times and he finally said he would send a letter to XXXX asking for the charge that was the cause of the collection account. 

About 6 weeks later I received a letter showing one transaction on XX/XX/XXXX. I then called XXXX XXXX and I explained to that my discover card billing systems show all the transactions and that their is a billing error on XXXX side. He the. Said he would look into it further and I did not hear back from him. 

My XXXX Transaction dates and amounts XX/XX/XXXX Charged : {$610.00} Credited {$610.00} XX/XX/XXXX Credited {$610.00} XX/XX/XXXX Credited {$610.00} XX/XX/XXXX Charged XXXX XX/XX/XXXX Charged XXXX In XXXX of XXXX I received a letter from credit Corp solutions. I was surprised because I through XXXX XXXX had resolved the issue. I called them on XX/XX/XXXX and spoke to XXXX XXXX who after hearing my story offered that I pay these fraudulent charges at a 30 % discount. I then asked To speak to a supervisor. He transferred me to XXXX XXXX. XXXX explained the same thing that it does not matter and the time has passed for me to question the validity of these charges. She said that I should have called pay pal. 

This website - gXXXX - was a fraudulent website to post a fake sale and steal money from hard working people. I never received the product and I am being harassed by these collection agencies even after explaining I do not owe these charge. I have offered multiple time to provide my statements showing that the money is not owned and each person I spoke to refused to look at them telling me it does not matter. 

Can you please help me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Try to call them and the lady whos responsible for my account dont need any explanation or dont want to here anything told me that all she wants to here is you have to pay the whole amount.

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 2021-10-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I opened a Discount Tire Account and used it responsible and paid my account in full. The creditor closed my account after I paid it in full. I do not think this is fair. When creditor closed the accounts it has a bad impact on my credit report- my score decreased. When I paid on time and in full. Discount Tires just Closed my account for no reason.

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 2021-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
On XX/XX/XXXX around XXXX XXXX local time I went to local western union money transfer services to send money to XXXX in the amount of XXXX XXXX ( XXXX ) dollars and additional XXXX ( XXXX ) dollars service fee. 
Went thru the process, handed the money, provided government issued ID and got my receipt with a transaction code. 
With in minutes I got text message from western union telling me the transfer is on hold to review information. I called western union customer service to clarification. The person who answered the phone told me that its just that they want to ask me couple of questions such as my full name, receiver 's name and location which I patiently provided even though all this information is already provided at the local agent 's office. 
then customer service person asked that I need to provide copies of my ID, social security card, passport, via email in order for the money to be released. 
I refused and asked to get refund because I am not legally required to provide copies of personal identifying documents in order to get your service. 
I went back to the local western union agent store to get refund but the agent can not issue a refund because the company put a hold even not to refund. 
The local agent talked to a western union customer service agent asking them to remove the hold so that she can issue a refund but refused the request to the surprise of the local agent who told me that in her fifteen years, she never have this happened before. 
Can a financial services company refuse to issue a refund when they didn't provide the services they agreed? Instead they insist on asking for copies of personal documents. 
This is classical profiling case by this financial service company. They are profiling me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I allegedly have a medical debt in collections, and I spoke with multiple people about verifying its authenticity, and I wanted more proof that it is in fact my debt. I asked them to send me proof that its my debt, like my name on a contract, signature of me acknowledging the debt and things of similar nature sent to me. The first time, they didnt send anything. The second time, they sent me a single piece of paper, a collection notice that I owe them money. They said thats the proof I asked for. I said I wanted proof that I acknowledge the debt, name on contract, bills with my name on it and things like that. Not something they printed off their computer saying I owe them something. Thats not what I asked for, so I told them if they cant send me the related documents I asked for and cant prove its legally mine then to stop trying to collect it and stop calling. They still keep calling, and they even started calling my work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: SE Capital Corp dba Credito Familiar
State: PR

Complaint narrative:
On XX/XX/XXXX, i applied for a loan at a company called " credito familiar ''. I originally applied for {$5000.00}. After, checking my credit, via XXXX, " XXXX XXXX '' a customer service representative from the financial institution, calls me on XX/XX/XXXX to tell me that i qualify for a smaller amount, {$2000.00}. I agreed, and she then tells me to send her, all required evidence, paystubs, letter from employer, proof of address etc..soon after that, i called to get a payout date, and XXXX XXXX XXXX tells me that according to my paystub, i dont qualify. I told her that my net pay on my paystubs, reflect smaller amounts, but that i had allotments, to different accounts, and they were part of my net pay. I work for the postal service, here in the commonweath of XXXX XXXX. Perhaps, my paystubs are different from everybody else, here in XXXX XXXX, but they are not grounds for denial.I was being considered for a smaller amount, but according to this financial institution my paystub was the reason for denial.I called the institution on XX/XX/XXXX, and spoke to the manager in charge, XXXX for reconsideration. She then tells me, that i was denied, and mentions something else about my credit, to justify their denial. It was plain and simple, discrimination, for being a federal employee in a commonwealth. My credit had nothing to do with it, or else i would not had been ask to send all my personal paperwork, by the institution. All my allotments, for {$1000.00}, {$800.00} {$300.00}, are part of my salary.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Was offered a 10 % statement credit if I use my Capital one CC at XXXX, but still have not received it. Called customer service and got tossed around to another department that haven't had a clue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-22 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: Block, Inc.
State: NY

Complaint narrative:
I had a Cash App account a few years ago, linked to my then-debit card. I stopped using it as most of my friends used competing services. 

On Thursday XX/XX/XXXX, I had dinner with a friend. He uses Cash App, and he sent {$75.00} to my old account. To access my account and receive the {$75.00}, I re-downloaded the app and tried to log in. To authenticate my account, I was requested to provide my old debit card. I do not have it any more. I contacted Cash App via the app 's support function on either the night of the XXXX or early on the XXXX. 

After repeatedly explaining my situation, I was eventually transferred to their specialty support team via email on XX/XX/XXXX. Since then, I have exchanged 15 emails with their specialty team, where Cash App has not helped. I have been asked repeatedly for the same information and have provided it to no effect. Additionally, I was instructed to create a new Cash App account to get access to my old account, to no effect. I have lost hope Cash App can help me get access to my old account, or to reverse that initial {$75.00} transaction. By my count, I have now been asked to provide my full legal name ( and other basic information ) in the chat support app and via email at least 7 times. 

I am happy to provide personal information and reference numbers to corroborate. 

Case number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: LA

Complaint narrative:
Hello. On XX/XX/2021, I submitted my financial information to XXXX XXXX who then forwarded it to Citizens Bank, the company writing the loan. I submitted bank statements, tax returns, mortgage statements for a previously purchased property, and pay stubs. On XX/XX/XXXX, I explained to the loan officer that my husband hadn't been employed for 6 months because I knew that could be an issue. She asked for an exception letter, which we provided. The letter explained my husband hadn't worked due to Covid closing schools and him staying home to take care of the children. She stated it was good. In mid XXXX I asked if the exception letter was approved and she said yes, we were all good to go. I don't know if she lied or if Citizens Bank lied to her and said that. 

On XX/XX/XXXX, we received our Closing Disclosure from Citizens Bank stating our actual costs needed. We were supposed to close XX/XX/2021, so that put it 3 days from closing, like it is regulated. On XXXX, XXXX, the day before closing, we were told we weren't clear to close due to my husband 's length of employment. We didn't understand why that was an issue the day before closing since we had disclosed that information in the beginning and were not only pre-approved with that known, but also told the exception letter about his employment was accepted. We had been allowed to pay for so many things when they knew from the beginning we weren't going to get the loan based on the information I provided. 

The day after we were supposed to close, XX/XX/2021, we received our Notice of Action Taken. This notice should have been sent well before this. The reason was due to employment history and insufficient income. Both of these reasons should have made it where we wre n't pre-approved. We should not have been told repeatedly we were getting the loan if those were the issues. 

Nothing changed with anything in our finances or employment from the time we were pre-approved to the time we were supposed to close. 

I'm not even sure how insufficient income is a reason since our DTI with the house we were trying to buy was 30.52 %. 

We terminated our lease agreement since we were given verbal confirmation that we were " for sure good and getting the loan. '' Now, I have to be out of my apartment in 9 days and I have no house to move into. 

I am attaching the contract for the house, the letter of intent given when we had already provided an exception letter for the employment history, Closing Disclosure, and the Notice of Action Taken that was given the day after the closing date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: MI

Complaint narrative:
Hi. I received a letter in the mail of a debt that is not mine from 2017. I have no outstanding bill with XXXX XXXX XXXX. I have tried calling to speak with someone to explain that I have no outstanding debt and no one will return my call. I'm very confused as to why I'm getting this letter. It is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: Incomm Holdings Inc.
State: CA

Complaint narrative:
I bought visa gift card. made me wait 1 hour to use ( scam ). then i lost it, and i called customer service and they said I cant get a refund or void the card. visa said it was banks problem and bank said it was visas problem. it sounded like from the same customer service center. I lost {$200.00} and I cant get it back. This is a scam!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On the night of XX/XX/XXXX, I lost my phone at a house party around XXXX. After searching for several hours, my friends and I found my phone in a bush in my front yard, with its screen cracked. When I opened up my phone, I panicked after seeing that several transactions had been made via XXXX and Venmo to people I did not know. I immediately froze my bank account to prevent the funds from leaving. I then contacted Venmo about the situation, but to my surprise there were already several chats opened with Venmo customer service during the time my phone had been stolen. Extremely worried, I tried to explain to them the situation regarding my device over chat, but I feared that I wasnt conveying my thoughts clearly because I was so stressed. Over the next several days, I reached out to Venmo via both phone call and email to explain the situation better. However, each time, I was provided with a generic response via email, suggesting that they had not read my emails at all. I grew increasingly frustrated, because not only was my bank account still frozen, but I felt like I was doing my part to explain in great detail the situation I was in, with little effort shown on the part of Venmo. Yesterday, they denied my complaint on the basis that the dispute was opened because [ I ] did not receive [ my ] merchandise, when that was not even why I was trying to dispute the payment. This further demonstrates that they did not even read my emails about how my phone had been stolen. I can not even explain how frustrating this process is. Now they have posted a negative balance on my account and threatened to send me to debt action if I do not pay it back, when I DID NOT MAKE THE TRANSACTION AT ALL. Venmo customer service has been extremely inept. Even XXXX was easier to work with and understanding of my situation XXXX returned my money in four days. Not only did Venmo Support not read my emails, but they also took an entire day to respond to each email, and there was no way for me to speak to someone on the phone who could help me with unauthorized transactions. Their only phone support told me that they could note my case but had to send the case details to email support the Account Specialists had no phone line. How is it possible that such a large, seemingly well-respected company had no phone line for cases of high urgency? This has been an absolutely ridiculous process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Ive had car with Santander/Chrysler Capital for almost 3 yrs I pay every month ( a ) nothing goes towards the principle, everything goes towards interest which I paid {$2000.00} inXX/XX/2021 and none went to principle ( b ) I pay every month and on my credit report there are a lot of inconsistencies, likeXX/XX/2021-ok, then XX/XX/2021- 60days past due ( c ) my balance Im still the same since the first day I got the car. I have disputed with XXXX and XXXX yet nothing has changed. I feel they are and have been taking advantage of me this entireloan, false advertising. Ive contacted Santander/Chrysler capital they are giving me run around not explaining or caring. I recently asked them for a copy of my payment history which I will attach when prompted to. Please look into this as I know they have recently been identified as loan sharks, taking advantage of ppl with outrageous rates, rates where ppl will never be able to pay their loans off through them. Please help, I am one of their victims

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: GA

Complaint narrative:
The month of XXXX there have been two lates reporting on my credit report. I reported the documentation to Experian and still have not gotten it resolved. I was never late on any of the accounts and Experian refuse to update my credit report from the 30 day late.

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