vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-14 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: NJ

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later i have not received a response yet. I understand the times we are in right now but at this point I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ) is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. At this point it has been over 60 days so they should be deleted promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: The CMI Group, Inc.
State: OH

Complaint narrative:
After reviewing my credit report I seen there was an account that I already paid in full and its still reporting and needs to be deleted, This is the account : CREDIT MANAGEMENT LP # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
This debt collector represents an inactive debt and is duplicate reporting. XX/XX/2020. XXXX XXXX XXXX. {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: CITIBANK, N.A.
State: IA

Complaint narrative:
My debit card was charged 6 times in an interval of 2 days by a company Called XXXX XXXX for around XXXX dollars it was a online charge done in the middle of the night i reported to Citibank on the same day and they hace done nothing about it and they even charged me an overdrawn fee.

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 2021-01-14 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: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
XXXX XXXX  charged me for a a a Checking account that was never use after I paid off the account I was told that account will be closed and would not go on chexsystems the account is now on chexsystems after being paid in full this account on chexsystems is stopping me from opening others bank account due to the false information still on my chexsystem account I would like to have this information removed off of my chexsystems account

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 2021-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
My XXXX year old son died, unexpectedly on XX/XX/2017. In the process of dealing with his death and estate, I closed out his bank account. I noticed that he had made payments to CoinBase which I later learned was a company that sold and/or held virtual currency. I have tried, on three different occasions, to contact CoinBase through their website to find out the process to go through to get access to my son 's CoinBase account. I've not received any response from CoinBase even though their website says they have customer service to deal with matters such as mine. I have my son 's death certificate, the court authorization for me to act for the estate, a screen shot he sent to his brother the night before he died with his CoinBase account. He used an XXXX and we tried to get XXXX to unlock it so we could have access but they refused as part of their privacy initiative. I feel helpless and don't know how else to contact them and I'm hoping that contact from XXXX may get their attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harvard Collections, LLC
State: TX

Complaint narrative:
A CFPB complaint was submitted in regards to account with Harvard Collection Services on XX/XX/XXXX in regards to a medical account that had not been validated despite 2 good faith attempts with the agency. On XX/XX/XXXX the company responded by stating that they had already removed 2 of the accounts from my credit report and that the 3rd one was in the process of seizing collection activity and that a request for account to be deleted from all 3 credit bureaus was also being submitted. Upon reviewing my credit on XX/XX/XXXX and on XX/XX/XXXX the account was still on my credit report and reflecting a new date and no validation has been received nor any verification that this account truly belongs to me and is accurate. I am requesting that this account be deleted immediately as NO validation has been received to confirm that the account belongs to me and that it is valid and accurate. Furthermore, the agency has now falsely reported a newer date for the account and has FALSIFIED their intention of seizing collection activity and removing the account from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Check my credit report today and I noticed someone use my information to inquire about some things that I never was aware of multiple times .. 

XXXX XXXX XX/XX/XXXXTransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXXTransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX  XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXTransUnion XXXX XXXX, XXXX XXXX : reporting multiple times on each TransUnion XXXX XXXX Anything reporting inaccurate with multiple dates & wrong information should be removed immediately as I learned the fai credit reporting act. 

Trying to do better in my life but how can I with all this wrong information on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
ON XX/XX/2014 ACCOUNT WAS OPEN WITHOUT MY PERMISSION FROM THE XXXX  THEY CLAIM THE LIMIT OF CREDIT CARD WAS ISSUED {$10000.00} HOWEVER THEY CLAIM ON MY RECORD {$39000.00} I NEVER EVEN KNEW THIS WAS EXIST THIS CARD WAS OPEN FRAUD AND I DON'T EVEN UNDERSTAND HOW {$10000.00} CARD WITH BALANCE OF {$39000.00} I HAVE CONTACTED CHASE MANY TIMES AND INFORM THEM THIS IS FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, I transferred {$19000.00} from my Paypal account to my bank account. Later that same day, Paypal informed me that they closed my account, but the transfer went through and my money arrived in my bank account. 

On XX/XX/XXXX, I noticed that Paypal had reversed and fraudulently withdrawn the money from my bank account without authorization. The money never arrived back in my Paypal account, though. It's now been 10 days and the money is nowhere to be seen. I have called and emailed Paypal 10-15 times and nobody has responded to my concern or investigated. My money has simply disappeared and nobody can, or will, tell me where it is. 

Paypal 's stated policy is that they can hold a balance in my Paypal account for 180 days after an account closure, however, this money was not in my account at closure. Also, the money was never returned to my Paypal account after they reversed it from my bank account, to be clear - so they are not holding funds in my Paypal balance, as there is no balance. 

Paypal 's policy also states they reserve the right to withdraw funds from my bank account in the case of a chargeback or dispute, if I do not have the money to cover the dispute in my Paypal account. There has not been a chargeback nor a dispute filed for these funds, and my vendor also never received a refund for this payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Check my credit report today and I noticed someone use my information to inquire about some things that I never was aware of multiple times .. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX / XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX : reporting multiple times on each XXXX XXXX Equifax Anything reporting inaccurate with multiple dates & wrong information should be removed immediately as I learned the fai credit reporting act. 

Trying to do better in my life but how can I with all this wrong information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: NJ

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later i have not received a response yet. I understand the times we are in right now but at this point I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ) is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. At this point it has been over 60 days so they should be deleted promptly.

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 2021-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX I did a consumer credit transaction with Capital One Bank. The total amount of the transaction was for {$2000.00}. In XX/XX/XXXX I received a bill requesting that a payment be made. This transaction was also placed on my consumer credit reports which is a violation of federal law under the FDCPA. After receiving a significant amount of bills from Capital One, I sent them two documents. The first being a debt validation letter and a cease and desist. Even after capital one receiving these documents, I still received several emails in regards to this so called delinquent debt. These documents were sent via the usps on XXXX and was picked up by someone from the company on XX/XX/XXXX at XXXX from the post office. The documents requested that Capital One respond back to me within 30 days of receipt of the documents and they failed to do so. Today I am contacting the CFPB to get this matter resolved as quickly as possible, as the information on my credit report is illegal and is damaging my reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I used PayPal to purchase what I thought was a sanitizing vacuum/mop from XXXX at the beginning of the outbreak of Covid-19. After two months I still had not received the merchandise and I contacted PayPal to notify them of the issue. They gave me the run around so I filed a dispute with my bank ( XXXX XXXX XXXX ). A few weeks later I received the merchandise but it was NOT was I ordered at all. They sent a child 's plastic piece of junk! Immediately I contacted my bank and told them about the junk I received. After several months of back and forth my bank notified me that they could not get my money back from the merchant 's bank. This was after they told me that if I returned the item they XXXX XXXX XXXX did not see why they the merchant could not give me my money back. After I paid {$70.00} dollars to send the item back I had to argue with the merchant to give me my refund back. They refused for months, until XX/XX/XXXX of this year they agreed to return my money. Then they sent me a notice that said they could not refund due to a non existing chargeback. I received another email of " proof '' this morning stating the same thing. They assure me that PayPal can return my money and PayPal says that they can not. All I know is that XXXX should be held liable for marketing fraudulent companies, and PayPal as well for not protecting the consumer from fraud. I have told everyone I know to NEVER use PayPal or buy anything they see on XXXX! Both of these companies should be ashamed of themselves!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
XXXX is reporting inaccurate information from Midland Credit Management , Inc. 
I have disputed this company previously on XX/XX/2020. I received a cease and desist via mail for filing a compliant before. This company tradeline is damaging my credit history reporting inaccuracies to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Itt lost law suite over private loans, i have private loans with navent from Itt but there still ruining my life. They wont remove the loans from credit. The admitted they did me wrong, how long do people suffer before things get fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: VW Credit
State: WA

Complaint narrative:
I leased a new car through VW credit. I recently returned my car to the dealership, and for the first time after three years of having the car, I was made aware of the disposition fees. I tried to dispute the charges with VW credit as I was never told about such charges. They refused to remove the charges, instead they insist that the charges are on the contract which I signed. I explained that I was never consulted or told about these charges, which is dishonest business practice not letting the customer know about the terms of the contract. I also explained that I never leased a car in the past, and never knew about the disposition fees. VW credit instead pushes and forces me to get a new car from them in order to remove the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/2021 I made contact with someone on XXXX who was selling a XXXX. 
On XX/XX/2021 I made a XXXX dollar XXXX transaction. 
On XX/XX/2021 I filed a claim through wells Fargo to hopefully get my money back because I was fraudulently scammed. 
On XX/XX/2021 I was told they can't get my money back.

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 2021-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION
State: TN

Complaint narrative:
I reported fraudulent transactions on XX/XX/XXXX from the XXXX XXXX. 10 days later, in violation of Reg E, they still did not credit me back. They then said, on XX/XX/XXXX, that " you have used this merchant before so it isn't fraud ''. Which is entirely false and egregious reasoning behind denying the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: Diversified Adjustment Service, Inc.
State: OH

Complaint narrative:
I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for an account with the following : DIVERSIFIED ADJ SVC # XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America Date : XX/XX/2019 Loan Application Number : XXXX I was told that BOA will cover that point fee to get interest rate 3.875 % because I have been with BOA for 15 more years. That's the main reason I was waiting for loan approval from BOA. But at the end they just told me that their manager didn't approve it. 

The underwriter intentionally delayed the process by requesting documents one by one every 3-5 days. That caused the the point fee for 3.875 % increased from {$4200.00} to {$6100.00} because of the 2 months delay caused by the underwriter. 

I contacted their management and requested refund of {$6100.00} but they rejected. 

Here are the lender contacts, XXXX XXXX Consumer Lending Client Experience XXXX Mail Code : XXXX NMLS # XXXX Email : XXXX XXXX XXXX Primary Originator NMLS ID : XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX bankofamerica.com

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 2021-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ERC
State: TN

Complaint narrative:
Previously placed a dispute with enhanced recovery systems directly I received a confirmation receipt from my letter I sent to them they have failed to update with the credit bureaus and to state that its previous under dispute and validate that this past debt as mines

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: M.A.R.S., Inc.
State: AL

Complaint narrative:
I moved out of my apartment in 2014 and never received the bill of around {$45.00}! When I checked my score and saw a collections for that amount I called M.A.R.S. Inc immediately and paid the balance and asked them to take this report off of my account! They said if I paid they would remove the inquiry and never did! This was a total accident with no correspondence other than an old bill that I never received! They took this to collections without the proper due diligence. It is neglectful and unprofessional

Company response to consumer: Closed with explanation