vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This company was contact months ago and so were all 3 credit bureaus. The account in collections was opened fraudulently back in XX/XX/XXXX and this company is purposely reporting this debt as if it was opened in XXXX. This leads to more of a score drop on my credit report and is being done on purpose because XXXX XXXX  XXXX is aware that the account was is set to fall off in 7 years ( XX/XX/XXXX ) which was confirmed by all 3 credit bureaus however this unscrupulous bill collector is reporting the account being opened this year XXXX just because they bought the debt which should not be allowed by the credit bureau and should not be done by the collection agency. This is a ridiculous attempt to not submit the correct information and it needs to be reported correctly which is it was opened in XXXX NOT XXXX. 

This debt needs to be reported correctly it was last delinquent in XXXX and is set to fall off the credit report XX/XX/XXXX, therefore XXXX XXXX  XXXX should not be allowed to report fraudulent information as if this account was open and first because delinquent in XXXX to the credit bureaus and the credit bureaus should NOT allow this practice to continue for anyone, very unscrupulous behavior and XXXX XXXX  XXXX has been notified and have made no changes.

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 2021-08-23 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: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
There is a collections amount of {$250.00} from XXXX that does not belong to me. The account number as shown is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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:
On XXXX XXXX I got an email, notifying me that PayPal are initiating closure of my PayPal account ( Ref ID - XXXX ) and blocking my $ XXXX balance, because I am in violation of PayPal 's Acceptable Use Policy. I sell Instagram Accounts and in XX/XX/2020 I've got another limitation by PayPal, and they asked me to explain my business and where the money are coming from ( Ref ID - XXXX ). In that case I explained everything about my business and where the money are coming from and PayPal had been restored my account, without telling me that I am in violation of PayPal 's Acceptable Use Policy or that I have to stop my business. Since then, all I did was to continue my business and buy or sell accounts, like I did before. I didn't change anything in the way I work and I didn't change the source of the income. Whether I bought or I sold a virtual product ( XXXX accounts in my case ), I did it using this PayPal account, and all my transactions show that I am not selling stolen virtual goods. At first, I thought this was a mistake, so I emailed XXXX, requesting a second review, and they redirected me to PayPal 's Executive Escaladation, but they told me it wasn't a mistake and I was really violating PayPal 's Acceptable Use Policy, but they didn't tell me what exacly was against PayPal 's policy or which products or services are in violation with the policy. They told me that they will do regular reviews of the account and they will tell me when I can withdraw the money and how much I can withdraw. My problem is that most of the money in the balance ( up to 75 % ) are coming from transactions that are older than 6 months, so there is no way of chargebacks or refunds. That being said, the reason why I am writing this is because I want to understand what I did wrong and how I was in violation with PayPal 's Acceptable Use Policy. I expect a clear explanation, giving me the number of the transaction that violated PayPal 's Acceptable Use Policy and more importantly, why it did. Besides, I request another review of my account in which PayPal to calculate the damages ( if there's any ) and let me withdraw at least a part of my money, since most of them are coming from transactions older than 6 months. I suffered huge losses for my business and the only reason I've got was " Some of your products or services are violation of PayPal 's Acceptable Use Policy '' and this is not enough for me to block my XXXX $ balance and ruin my business. I understand that under their User Agreement they can hold my money up to 6 months, but I want to understand the reason why they are doing it, especially when they verified my activity back in XXXX and didn't find anything suspect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: PA

Complaint narrative:
This Collection must be reported in error. Please provide me with the Validation of Debt and stop reporting it without VOD. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. Please discard this collection for FCRA violations because I do not think it is 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This Credit reporting agency did not follow the guidelines set forth by the FCRA and did not validate thoroughly. Other Agencies have already deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: CA

Complaint narrative:
This company was contact months ago and so were all 3 credit bureaus. The account in collections was opened fraudulently back in XX/XX/XXXX and this company is purposely reporting this debt as if it was opened in XXXX. This leads to more of a score drop on my credit report and is being done on purpose because XXXX XXXX  XXXX is aware that the account was is set to fall off in 7 years ( XX/XX/XXXX ) which was confirmed by all 3 credit bureaus however this unscrupulous bill collector is reporting the account being opened this year XXXX just because they bought the debt which should not be allowed by the credit bureau and should not be done by the collection agency. This is a ridiculous attempt to not submit the correct information and it needs to be reported correctly which is it was opened in XXXX NOT XXXX. 

This debt needs to be reported correctly it was last delinquent in XXXX and is set to fall off the credit report XX/XX/XXXX, therefore XXXX XXXX  XXXX should not be allowed to report fraudulent information as if this account was open and first because delinquent in XXXX to the credit bureaus and the credit bureaus should NOT allow this practice to continue for anyone, very unscrupulous behavior and XXXX XXXX  XXXX has been notified and have made no changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This company was contact months ago and so were all 3 credit bureaus. The account in collections was opened fraudulently back in XX/XX/XXXX and this company is purposely reporting this debt as if it was opened in XXXX. This leads to more of a score drop on my credit report and is being done on purpose because XXXX XXXX  XXXX is aware that the account was is set to fall off in 7 years ( XX/XX/XXXX ) which was confirmed by all 3 credit bureaus however this unscrupulous bill collector is reporting the account being opened this year XXXX just because they bought the debt which should not be allowed by the credit bureau and should not be done by the collection agency. This is a ridiculous attempt to not submit the correct information and it needs to be reported correctly which is it was opened in XXXX NOT XXXX. 

This debt needs to be reported correctly it was last delinquent in XXXX and is set to fall off the credit report XX/XX/XXXX, therefore XXXX XXXX XXXX should not be allowed to report fraudulent information as if this account was open and first because delinquent in XXXX to the credit bureaus and the credit bureaus should NOT allow this practice to continue for anyone, very unscrupulous behavior and XXXX XXXX  XXXX has been notified and have made no changes.

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 2021-08-23 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have these items that are not mine and i want them to be removed from my credit. 

1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 

1. Identity Theft SYNCB/PAYPAL Date of inquiry : XX/XX/2019 This is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-23 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I submitted a dispute about my Wells Fargo loan because they are closed and 7yrs have passed. When I recieved an update from XXXX  I found that they re opened a closed account without any notice, which dropped my credit score 19points. The drophas ruined the chances of getting transportation to work. Please reverse what was done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC
State: MD

Complaint narrative:
I got a call from someone who said theyre from Frontline Assets Solutions wanting to collect a debt. I told them that I believe this is a scam and that I do not owe any creditors. They told me that I could check the XXXX  and that they were an accredited organization. I looked the business up and contacted the number online from the XXXX and the real Frontline confirmed I did not owe a debt. The number that called me was out of MD and this business is established in MN. XXXX ( XXXX ) XXXX Is the scammers number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2021, Bank of America ( BOA ) processed two {$70.00} charges on the same day from a company claiming to be XXXX XXXX. We made neither of the charges. The web address provided on our bill is fake. BOA later claimed that the company is XXXX XXXX XXXX, who has also denied charging us. BOA has denied our fraud claim twice and their Existing Claims department will not answer my call. Please help!

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 monetary relief
Consumer complaint received 2021-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX is reporting late payments to credit bureaus for my social security number. my account ( XXXX ) is set as auto pay, but payment did not process on time for unknown reason. at last with the help of XXXX XXXX XXXX, same information was re entered. and payment was made. 
Wait is extremely long for calls and messaging. I am not even able to submit complaint to XXXX XXXX ( copy attached ) I did try to call prior to XX/XX/2021 to resolve the issue, but could not hold phone line for hours. my late fee was removed. and I was assured by XXXX XXXX XXXX that account will show timely payments. but today I received a notice from credit monitoring service that late payments are reported by XXXX XXXX. I think its very unfair.

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 2021-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
Unknown person hacked into my Checking account with XXXX, Credit Card accounts with Citi Bank and XXXX XXXX and performed a series of fraudulent transactions with my Citi Credit Card. 

Total $ Value of fraudulent transactions made through Citi Credit Card : {$19000.00} Total $ Value of fraudulent transactions made through XXXX XXXX Card : {$590.00} Total $ Value of funds stolen from my XXXX Checking Account to pay off fraudulent activity on Citi Credit Card : {$15000.00} I am attaching copies of Fraudulent transactions for each account as part of this complaint

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 2021-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Global Lending Services LLC
State: GA

Complaint narrative:
The company Global XXXX is reporting incorrect information to credit bureaus. I have tried since XX/XX/2021 to ask Global XXXX to correct this information. This company is reporting my auto loan as closed, also that the vehicle has been repossessed and several late payments. This is not true, I still have the vehicle. They stated, they would correct my account. As of today XX/XX/2021 nothing has been done. This company continues to damage my credit and can care less about it. They have been rude about correcting something they did wrong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
Unknown person hacked into my Credit Card accounts with Wells Fargo and performed a series of fraudulent transactions with my Wells Farg Credit Card. 

Total $ Value of fraudulent transactions made through Wells Fargo Card : {$590.00} XX/XX/XXXX - {$99.00} - Fraudulent Transaction XX/XX/XXXX - Total Rewards dollards redeemed for {$50.00} XXXX XXXX XXXX ( Order # XXXX ) -Fraud XX/XX/XXXX - Total Rewards dollards redeemed for {$50.00} XXXX XXXX Card ( Order # XXXX ) -Fraud XX/XX/XXXX - Total Rewards dollards redeemed for {$50.00} XXXX XXXX XXXX ( Order # XXXX ) - Fraud XX/XX/XXXX - Total Rewards dollards redeemed for {$50.00} XXXX XXXX XXXX XXXX XXXX  ( Order # XXXX ) - Fraud XX/XX/XXXX - Total Rewards dollards redeemed for {$250.00} XXXX XXXX XXXX  ( Order # XXXX ) - Fraud XX/XX/XXXX - Total Rewards dollards redeemed for {$50.00} XXXX XXXX XXXX ( Order # XXXX ) -Fraud I am attaching copies of Fraudulent transactions for each account as part of this complaint

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 2021-08-23 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:
Earlier today my PayPal account was closed with the reason being in violation of " PayPal Acceptable Use Policy '', now I know for a fact that my PayPal account has not been in violation of PayPal 's Acceptable Use Policy as all I have been selling on my PayPal account was services related to marketing. Now PayPal 's limitation was unexpected to say the least, my PayPal account holds a balance of over {$220.00} CAD which are inaccessible for withdrawal. PayPal has caused me great financial loss by limiting my account incorrectly and I request that PayPal lifts this limitation and lets me withdraw my funds out of my account. 

I have personally been a long time user of PayPal and have not had any issues in the past years, for this to suddenly happen without any sort of reason given. I have attached PayPal 's user agreement as a PDF, I can confirm I have not violated PayPal 's user agreement in any sort of manner either. I XXXX XXXX have been using PayPal 's services fairly having had 0 disputes in the past, with fully satisfied customers. PayPal 's limitation on my account has caused me great financial loss from future clients being unable to use PayPal. 

I have attached additional proof showing that my business dealings using PayPal have all been regarding marketing my clients ' 'XXXX  server ' ( Proof attached shows my latest transaction on PayPal ). XXXX is a social media platform where users can create servers for people to meet up and communicate as a community, I personally have been selling marketing services to 'XXXX  server owners ' ( Clients ) guaranteeing an increase in their XXXX  server member count. I have gone through PayPal 's Acceptable Use Policy and have found that my service is infact compliant with PayPal 's policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
my wife & I purchased furniture from XXXX and signed up for the 12 month 0 % financing with TD XXXX Card Services. From the first month of payment, bill pay of {$49.00} and {$48.00} was already set up monthly to avoid late payments and interests, and for the last payment {$420.00} was sent and delivered on XXXX XXXX, they claimed that they never got the payment. We were very confident that we paid our bill, but they kept sending us bill and with interest and late payment charges. We called their customer service, when they said they never got the payment, we gave them payment over the phone to settle the balance and told them we are not paying for interest and late payment charges because it is not our fault. The bank clearly stated that it was mailed to them. Up until today we keep getting bill from TD retail card services for late payment and interest on top of interest charges they want us to pay. We have paid everything we owe them, its so convenient for them to say they never got our last payment but all of our monthly payments were received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
During the month of XX/XX/2021, I contacted all 3 credit bureaus to alert Capitol One that the car loan is found to be no longer my responsibility because a Judge during my divorce settlement confirmed and ordered that this Capitol One Auto Loan is to be paid by my ex-spouse not me as it is his debt responsibility and should be removed from my credit file. This debt should be removed because it is not responsibility to pay. However, this company and the credit bureaus still have this listed on my credit report even though the Judge has ordered it is not my responsibility in my divorce judgment and all 3 credit bureaus have a copy and they forwarded a copy to Capitol One to remove the record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: OK

Complaint narrative:
I would call once a month to complain about Barclay bank 's ridiculously high usurious interest rate. On one such calls in XXXX, I was told by a Barclaycard rep that there was a special 0 % interest that they would offer me on all purchases for a six month period. I accepted completely the offer and assumed that it was effective, immediately. Following the acceptance of this 0 % special offered to me, I made close to {$6000.00} in purchases, knowing that Barclay had offered and I accepted a 0 % rate for purchase. In XXXX, looking at my statement in noticed that I was being charged interest at 24.99 %. 
I called in to customer service and I was told that I was never offered a 0 % on my card ending in XXXX. And they refused to remove the interest charges. 

This is plainly the illeagal " bait-n-switch '' con game. 

On XX/XX/20, I paid {$5000.00} in order to avoid their ridiculous usurious interest rate being charged to my account any longer but they never credited my payment. 
I inquired with my bank and was told " the payment was sent to Barclay '' but they never credited my account! 
I am sick of constantly being ripped off by the lying, thieving, two faced, money grubbing, back stabbing scum Barclay bank credit card company! 

I demand that my payment be credited, and that the interest charges be reversed! 
I, my family, my company, my friends and anyone I can tell will NEVER DO BUSINESS with such a corrupt horrible company like Barclay!

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