vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-03 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: WA

Complaint narrative:
My credit card from XXXX XXXX was set up for automatic payment. This had been ongoing for years without any problems. Then in XX/XX/2021, the credit card did not take the payment automatically. They did not notify me of a problem nor did they send me a statement saying I had a balance owning. The first I learned of the problem was when I checked my credit report and found my score had dropped by over 100 points. I called the credit card and they said they didnt have an explanation for what happened. They told me to file disputes with the credit bureaus. I did and yet the derogatory information is still present.

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 2021-04-03 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: WA

Complaint narrative:
My credit card from XXXX XXXX was set up for automatic payment. This had been ongoing for years without any problems. Then in XX/XX/2021, the credit card did not take the payment automatically. They did not notify me of a problem nor did they send me a statement saying I had a balance owning. The first I learned of the problem was when I checked my credit report and found my score had dropped by over 100 points. I called the credit card and they said they didnt have an explanation for what happened. They told me to file disputes with the credit bureaus. I did and yet the derogatory information is still present.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: WA

Complaint narrative:
My credit card from XXXX XXXX was set up for automatic payment. This had been ongoing for years without any problems. Then in XX/XX/2021, the credit card did not take the payment automatically. They did not notify me of a problem nor did they send me a statement saying I had a balance owning. The first I learned of the problem was when I checked my credit report and found my score had dropped by over XXXX points. I called the credit card and they said they didnt have an explanation for what happened. They told me to file disputes with the credit bureaus. I did and yet the derogatory information is still present.

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 2021-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I disputed with bridgecrest about being late a third time. I was not late and have proof I paid when bridgecrest told me to. Now there new emails after i complained about being reported incorrectly have a time on a certain date to pay by as opposed to a simple pay by or on this date. Bridgecrest added remarks to my account about a reinvestigation and that i dispute the account information which I do however from my research disputes are not supposed to lowed my credit score. Equifax according to credit karma reduced my score by XXXX points for this dispute and that is not ok. I want an explanation of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have written to Experian to ask why my credit score dropped XXXX points from XX/XX/XXXX to XX/XX/XXXX. During the time of XX/XX/XXXX to XX/XX/XXXX I have paid off almost all of my credit cards. I went from 29 % to 1 % credit card debt. My score on XX/XX/2021 was XXXX then as I continued to pay down my credit card and other debt my score dropped XXXX points. I have reached out to Experian on several occasions with no response other than there are old things on my credit report that could be affecting my score. I am also writing to ask for your help with understanding why there are some of my accounts that aren't updated regularly. How can they provide an accurate account of my credit if they are not accurately reporting the truth about my credit history. If potential creditors are looking at their information they are getting the wrong picture of my credit worthiness. Why are they allowed to provide inaccurate information? 
I have an XXXX score on XXXX XXXX I am not sure what my score is on XXXX  as they don't have a free site.

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 2021-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: AL

Complaint narrative:
Binance.US 5000.00 Account frozen No customer service or contacts Around XX/XX/XXXX deposited Around XX/XX/XXXX account frozen refuse to reply After sending all documents, photos and documents requested/ still locked Went online can see now problem issue is all over social media Have ticket number from an auto zen desk response via their website but its useless just auto response loop

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Every month for the past 6 months ( XX/XX/XXXX-XX/XX/XXXX ), Ive had nothing but problems trying to access Synchrony Bank through my Amazon and PayPal accounts. You can not even reach them online. Ive had to go through all the hassle of contacting them by telephone, with extremely long wait times and multiple hang ups, with the comment by Customer Service they are having technical difficulties. Six ( 6 ) months + is more than enough time for them to get their act together.

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 2021-04-03 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX lied to me about the finance charge in my contract and are being reckless with my credit card/ driver license. By law XXXX XXXX XXXX says the finance charge is the sum of all charges, and it supposed to include insurance and I was not offered insurance. The finance charge also cant be paid by cash, they have and still are trying to take cash in a consumer credit transaction with a finance charge involved. When I asked why the debt is valid they sent a contract showing the finance charge. Also when I let them know about their violations they gave some unauthorized random person permission to see and send a picture of my license on the internet. That is a violation of my privacy. Because they know about there finance charge violations they are civilly liable for twice the finance charge pursuant XXXX5 usc 1640. And they are criminally liable purusant 15 usc 1611. I have sent them a affidavit of truth with the contract which is a supporting exhibit, and invoice with a legal notice. I want them to cease and desist all mediums of communication with me, unless they are talking about remedy.

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 2021-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, I was charged a {$74.00} fee by Venmo that I was unaware of. I mistakenly signed up for a business account and it was not clear a fee would be charged to me on transactions. I requested to switch to my consumer account, have the fee waived and close my business account and they would not waive the fee. 
Thank you for your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-03 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: NY

Complaint narrative:
My PayPal account under email XXXX was limited due to a past balance on 2 other accounts that I was not aware of. I immediately paid both accounts upon learning of the balances. The payments were made over a month ago, but my account still remains limited. PayPal continues to refuse to remove the limitation stating that I need to pay the balance. They tell me I have to contact the collection agency that I paid to have them notify PayPal that I've paid. The collection agency tells me I have to contact PayPal. In the middle of all this, PayPal is refusing to remove the limitations on my account despite my providing them proof of full payment of past balances over a month ago. They are holding {$310.00} of my money unlawfully due to these limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: DISCOVER BANK
State: NY

Complaint narrative:
Applied For Discover Credit Card To Consolidate All Credit Card Balances Because The Offer Applied - & - Approved For Was A XXXX ( 0 % ) APR Balance Transfer Interest Rate For XXXX ( XXXX ) Months Offer Including A XXXX XXXX ( {$20000.00} ) XXXX Credit Limit - & - Initiated The Balance Transfers Upon Receipt Of The New Credit Card, All Of Which Were Initiated - & - Rejected, Including A Payment From My Personal Checking Account To Satisfy The Very First Credit Card Statement Balance Received, Which Was Also Returned, Causing NSF Fees To Be Applied To The Checking Account Payment Was Submitted From, As Well As Returned Payments - & - Fees Incurred To The Credit Card Accounts The Balance Transfers Were Submitted On Behalf Of. Attempted To Contact Creditor, Whom Closed The Newly Issued Credit Card Account Involuntarily - & - Creditor Refused To Speak With Me Or Accept Any Information For Validation, Including Satisfaction Of The Credit Card Accounts Outstanding Balance. Received Correspondence From XXXX XXXX - & - XXXX, PC Today, XXXX rd 2021, Indicating That Discover Bank Has Assigned The Debt To Them - & - On XX/XX/2021, They Have Filed A Lawsuit Against Me In XXXX XXXX Supreme Court, Referencing Index No. : XXXX In The Amount Of XXXX XXXX XXXX XXXX XXXX ( {$6600.00} ) Dollars and XXXX/100 On Behalf Of Discover Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent a dispute to credit burear about a collection ( XXXX  ) and i have not received and response back or any results

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 2021-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Midland Credit Management LLC started garnishing my wages on a default judgement. I received a notice from the court At the time Midland was involved in an civil suit with 42 other states for there collection tactics. Midland lost the case so there reliability as a trusted business was far below standards of practice. Is this robo affidavits like the 1400 other claimed in ohio I tried an failed to verify the debt do to the pandemic no response. I soon realized that 98 XXXX  complaints in 2weeks I still ended up with a default judgment. Wages garnished no response from mid land credit contacted the attorney of there legal division for verification of who an what this 3rd party debt was no answer. In a time of a nation in crisis every state preventing garnishment an debt forgiveness and I front line defense an sole provider of a family of 3. I can not afford to be garnished. No date to appear in I owe the debt I would like a 609 form a call without a language barrier, no calls to my employer the writ was quite enough to tarnish my reputation of 25years of service. I have no other choice but to file complaints to XXXX  the state attorney general of Ohio and whom ever else I can to get this garnishment removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-03 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: TN

Complaint narrative:
INFORMATION REPORTING ON MY CREDIT REPORT THAT I NEVER APPLIED FOR THESE ACCOUNTS.

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 2021-04-03 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I noticed these fraudulent inquiries on my XXXX credit report and I've disputed them several times with the company and XXXX  and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date XXXX/CBNA  XX/XX/2021 XXXX XXXX XXXX  XXXX XXXX XX/XX/2021 XXXX XXXX XXXX  XXXX NA XX/XX/2021 CBNA XX/XX/2021

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 2021-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have communicated that lvnv sent me a lettee saying this debt is mine they included a payment I never made. 
In the letter to the bureaus the last payment I didn't nor make I do not know of anyone making it. 
Next this debt is passed statue of limitations. Also the bureaus have deleted this debt and it keeps coming back. 
Can someone validatw this debt by the contract. 
Can someone validate this debt by receipt of buying it from original owner with the account number and name The dispute with original ac, ount holder is card was stolen or a family member put transactions on the card please prove it was me by signature and picture from cameras Also the person who paid this debt last is the criminal Please look at the proof I didn't make the payment it's highlighted The debt is past statue of limitations and is identity fraud.

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 2021-04-03 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: CA

Complaint narrative:
I received a copy of my Equifax credit report and noticed my score dropped XXXX points due to XXXX XXXX being added back to my report without any notification from Equifax or XXXX XXXX. I advised Equifax that this account is in litigation and that it needed to be removed. Equifax removed the account and XXXX later they added the account back with no notice. This account is still in litigation. This is causing me to have emotional stress and I feel like I am losing my mind and I am having nightmares due to this stress of this situation. I am in the process of applying for employment and hope to be purchasing a home also. I demand this account be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I sent a dispute to credit bureau about a collection ( TARGET/XXXX  ) and I have not received a response back or any results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: WI

Complaint narrative:
Paypal close my account for no reason, i have been trying to withdraw from my account for weeks and i couldn't, i file series of compliant with questions and answers it still was not fix, until XXXX XXXX, they close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Comenity Bank/Lane Bryant has violated all of my consumer credit rights. Attached, are the documents I sent them, notarized affidavit of truth proving the facts, and my certified mail receipt copies. They have XXXX  days to send me my remedy. On XX/XX/XXXX I sent them a Cease and Desist, Invoice for XXXX violations, Affidavit of Truth, and Exhibits. Comenity Bank/Lane Bryant is in violation of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: NY

Complaint narrative:
Dear CFBP Officers : I am writing you to complaint about an illegal or even a fraudulent debt collection attempt by Ability Recovery Services LLC and thus destroying my credit history which is denying me credit opportunities and this fact is even more exacerbated by this trying times. 

- First of all, this company never notified me in writing that I owe any debt to them. This a clear FDCPA violation. 
- Without any notice to me they send such fraudulent information to credit reporting agencies. This a clear FDCPA violation. 
-Failed to send me a validation of debt which is a clear FDCPA violation. 

Credit reporting laws ensure that bureaus and collection agencies are obligated to report only 100 % accurate credit information. Every step must be taken to assure the information is reported is completely accurate, correct and belong to the right person. Clearly Ability Recovery Services LLC has failed in reporting my credit file accurately. 

Therefore, the following information bellow must be removed as soon as possible. I respectfully request that you provide me the proof that these items belong to me and were authorized with an instrument bearing my signature and supported with IDs and any other legitimate supporting documents. Failing to prove that, unauthorized, inaccurate and most likely fraudulent items must be removed from my file immediately : 1. ABILITY RECOVERY SEVICE - Account number XXXX I also need to inform you that in XXXX, I notified all 3 credit reporting agencies and CFBP that similar attempt was made and investigation by credit reporting agencies proved that I never authorized such a purchase or service and was removed immediately from my credit 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 2021-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I have communicated that lvnv sent me a lettee saying this debt is mine they included a payment I never made. 
In the letter to the bureaus the last payment I didn't nor make I do not know of anyone making it. 
Next this debt is passed statue of limitations. Also the bureaus have deleted this debt and it keeps coming back. 
Can someone validatw this debt by the contract. 
Can someone validate this debt by receipt of buying it from original owner with the account number and name The dispute with original ac, ount holder is card was stolen or a family member put transactions on the card please prove it was me by signature and picture from cameras Also the person who paid this debt last is the criminal Please look at the proof I didn't make the payment it's highlighted The debt is past statue of limitations and is identity fraud.

Company response to consumer: Closed with explanation