vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-14 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: NY

Complaint narrative:
I am writing to notify you of the violation of my rights under Federal law. If I have too I will take legal action against you as my right under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: NC

Complaint narrative:
I have deposited and created an account with Gemini. It's been about two weeks and they are still pending verification. Not allowed to remove money or do anything with it until pending. Have sent two emails asking but no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
my wallet was stolen from my car which included my personal ID social security card and a ton of other important items. i now have a closed account on my credit report that i am not responsible for. date card was open was XX/XX/19. please remove from my credit report i am not responsible for that card and its holding my score 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 2021-05-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: CA

Complaint narrative:
XXXX XXXX is the debit card issuer through US Bank. I contacted US Bank XX/XX/21 due to my funds being withheld. US Bank instructed me to try using my card within a hour. I waited two hours and still couldn't use my card.i called US Bank back today XX/XX/21 I was left on hold 52:13, left in cue which I took a screen shot. 
Their excuse is they have a long wait time due to questions for the stimulus. It's not right to keep using the same excuse for over two months. I have bills to pay which is causing me late fees. I'm very upset with this, " Company ''.

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 2021-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I recently learned of two judgement 's against me that I was unaware of. To my knowledge I did not receive a subpoena from this company or anyone on their behalf. I do not know how they could win a judgement when I was not given an opportunity to defend myself. I have many questions, including - proof of the debt -proof of the age of debt, etc. The company is Portfolio Recovery Assoc. 

Thank you for your assistance in this regard.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: OR

Complaint narrative:
I haven't been able to access my accounts with BBVA since they transferred everything over from Simple on XX/XX/XXXX. I tried activating my account on both their website and their mobile app, and I've tried multiple times a day every day since the transfer. 
I've called every day from Sunday, XX/XX/XXXX, to today, XX/XX/XXXX. I've been on hold no less than 2 hours each day and up to 4 hours at its peak. Most of the time their support line hangs up on me. Other times I have to hang up because there are other things I need to do, and I can't fully drain my phone just sitting on hold while running errands. 
I've also tried using their chat on bbvausa.com, but it's mostly pre-scripted, " smart '' replies. I asked to talk to a person, and the system said it was transferring me. After several hours with the page open, nothing happened. Tried that twice. 
I also tried reaching out to BBVA on social media, via their XXXX handle. Several replies went ignored, but eventually a bot of theirs started auto-replying to send them a direct message with my name and phone number. I did that, but they haven't responded for 2 days now. 
I tried contacting a couple executives via XXXX, but they didn't respond. Tried their email, but I got undeliverable notifications back from their system 's mailer daemon. 
It's been almost a week now, 6 days, and I haven't been able to access any of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Around the middle of XXXX I received a large direct deposit from the Florida unemployment office, I signed up for a PayPal account under the guise that they have direct deposit and the debit cards and all that stuff that goes with that everyday bill paying. I paid some bills, I paid some people of whom I owed money to, I used XXXX  a couple times and I got a hotel room. I received a an email from them saying that they had permanently limited my account and that they're going to withhold my funds of close to {$4000.00} for 180 days with no explanation of any agreement that I broke, just saying that they felt unsafe with some of my transactions. Now, you have to remember that some of these transactions were made after four months of not getting paid so I can only add {$300.00} to the temporary debit card a day so that was being done for a couple days, so I can get bills paid. Anyway I can't wait 180 days for the money to be returned. Paypal 's user agreement is flawed in, outdated and probably criminal. I have read several online post about people having the same problem, having their accounts permanently limited which means they shut your account down, they don't close it because if they close it, then they have to return the money and I can't even close it and there's a lot of talk of class action suits against PayPal on this topic but as of right now my issue is getting that money back as soon as possible so I don't end up almost I need that money it just came in and now it's it's frozen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Hey hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no-one was able to help me I was just being past around to department. Please investigate these bureaus and have them delete these fraud accounts off my report. Attached is my ID and my Report I filed for identity theft because these accounts was not me. Have them remove these thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: MD

Complaint narrative:
I placed an order ( XXXX ) for a XXXX Laptop for {$410.00} on XX/XX/2020. This was shipped with XXXX tracking # XXXX. My shipping address mentioned in the order was XXXX XXXX XXXX, XXXX, XXXX XXXX, DE XXXX. But this item was delivered to incorrect address XXXX XXXX XXXX, XXXX XXXX, DE XXXX on XX/XX/2020 and it was received by somebody named XXXX. Attached the proof of delivery provided by XXXX for the same. I have cited this reason and spoke to BestBuy several times and they still refused a refund. 

So, I decided to dispute this transaction and provided all these details to your team, when I opened this dispute ( CASE ID # XXXX ). Still your team has incorrectly closed this dispute in BestBuys favor 4 times so far without even looking into the proofs I have provided ( it clearly shows the incorrect address in the XXXX  proof of delivery ). I had to call your team several times to explain this issue and still they were not helpful. I have reopened this dispute again to investigate this clearly. Can you please investigate this issue as a high priority as this has been going on for several months now? Please let me know if further details are required. 

Please Note : I spoke to many representatives from disputes team asking them to give me a call or send me an email before closing the dispute. I have never received any correspondence before the dispute was closed. Not sure why this was not notated in the case when I called in.

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 2021-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX, Experian and XXXX are still reporting an inaccurate account on my credit file. This account is over 7 years old and is well past the statute of limitations. Under the law they are supposed to respond to me and they have not. They have yet to provide proof of this debt and account or how they verified it is valid. 
It is not valid and it needs to be removed - XXXX XXXX XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
XX/XX/XXXX : contacted Mr. Cooper/Nationstar to leave forbearance since that was a requirement for a refinance on another property. Paid outstanding balance and was told the system would send me an email reflecting my status of being off forbearance within 24 hours. I did get this confirmation # XXXX for the transaction. No email received. 

XX/XX/XXXX : {$0.00} balance showing due on Mr. Cooper website but status still showing active for the forbearance program. No email received. 

XX/XX/XXXX : Called customer service to see what the delay was. Spoke with XXXX, escalation specialist, phone number XXXX. He informed me that I got wrong info on XX/XX/XXXX, he attempted to terminate the forbearance again. No immediate resolution, I was told to wait 3-5 more biz days. This phone call lasted 45 minutes. 

XX/XX/XXXX : Called customer service to see what the status was, spoke with XXXX XXXX, escalation specialist, phone number XXXX. He reported that XXXX 's attempt was unsuccessful so he went through the process for the 3rd time AND escalated the problem. He also emailed with his supervisor and someone named XXXX who pushed the problem back on XXXX and was no help. This call lasted over 1 hour. 

XXXX then told me he would call me before EOD and that I should also try back tomorrow. He did phone me and left a message reporting that he had no updated info. 

XX/XX/XXXX : No change to the status of my account. I am now on hold waiting for yet another supervisor. I was just told that no supervisor is available but one would call me back in 48 hourswhich of course means 48 biz hours so sometime on Tuesday, XX/XX/XXXX. 

Those are the facts. 

I feel like this is one of the worst companies I have ever interacted with. Everyone is pleasant on the phone but completely ineffective. They are incapable of doing anything other than reading off a screen. 

If I could punish them for the hours of wasted time and stress that they have caused, I would gladly do it. Hopefully this complaint will shame them in some way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
To whom it may concern, I have an account from SYNCB/PC RICHARDS that was paid in full and closed and is still listed on all of my credit reports.

I called several times regarding this and was told by SYNCB/PC RICHARDS company this would be removed from my credit report. 

I just checked again today and currently XX/XX/XXXX and it is still showing up from ( SYNCB/PC RICHARDS ). I would like this updated and removed from all 3 credit report agencies ( XXXX, XXXX, and XXXX  ) as they had promised. 

Card Detail : SYNCB/PC RICHARDS Opened XX/XX/XXXX ( 18 yrs, 4 mos ) Closed XX/XX/XXXX Thank you for your time, efforts, and assistance in having this removed, I am grateful.

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 2021-05-14 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I viewed my report and discovered there were unverified accounts. I reached out to bureau and it was not corrected. here is the item : XXXX XXXX XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I viewed my report and discovered there were unverified accounts. I reached out to bureau and it was not corrected. here is the item : XXXX XXXX XXXX  # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I viewed my report and discovered there were unverified accounts. I reached out to bureau and it was not corrected. here is the item : XXXX XXXX XXXX  # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Transunion, XXXX and XXXX  are still reporting an inaccurate account on my credit file. This account is over 7 years old and is well past the statute of limitations. Under the law they are supposed to respond to me and they have not. They have yet to provide proof of this debt and account or how they verified it is valid. 
It is not valid and it needs to be removed - XXXX XXXX XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX, XXXX  and Equifax are still reporting an inaccurate account on my credit file. This account is over 7 years old and is well past the statute of limitations. Under the law they are supposed to respond to me and they have not. They have yet to provide proof of this debt and account or how they verified it is valid. 
It is not valid and it needs to be removed - XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: CO

Complaint narrative:
Lendgreen is calling her 2-3 times every day. This has been going on for weeks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: MN

Complaint narrative:
How can there be a 90 day late report in my credit report, there is not one of 30 and neither one of 60, I did not have previous arrears so it does not make sense that they report something like that, it affects me since it appears in such a way In my credit report, it is a violation and a gross error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: MD

Complaint narrative:
XXXX Transunion is in Violation of 15 USC 1681b-Permissable purposes of consumer reports ( a ) In General subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to who it relates. 

I never gave XXXX or Transunion any consent to report anything on my consumer report, No consent is identity Theft. Attached is a copy of the law. 

Concerning the account listed below as a consumer I'm demanding a deletion of this account immediately or I will seek damages in small claims court in my city and state. As the original creditor only I can validate the debt. I Do not Validate this debt. Please Delete all accounts from my credit profile immediately in the amount of {$2100.00} and {$1700.00}.

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 2021-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I called my credit card company ( XXXX XXXX XXXX ) and asked what was going on because I see on my credit report that the company has me in collection. I stated to my card company that I do not have a balance on my card. The CSR looked into my account and stated that my account was not in collection and there is no balance. I asked why was it showing their name and the CSR stated there was not anything in the system showing other than my up to date card with no balance in good standing. I then hung up and called the company Portfolio Recovery. I explained to them what I told my credit card company. They looked into their database and said they see a credit card with my name on it. I told them I only own one card and it is active and in good standing. I also informed the company that I am a victim of identity theft and that someone open an account in my name. They kept insisting that it belongs to me when I told them I call the credit card company and they have no knowledge of it and I have a card with the company for several years in very good standing and no balance. This portfolio recovery refuses to listen or remove the account regardless of how many times I dispute this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: U.S. BANCORP
State: SC

Complaint narrative:
I recently learned of two judgement 's against me that I was unaware of. To my knowledge I did not receive a subpoena from this company or anyone on their behalf. I do not know how they could win a judgement when I was not given an opportunity to defend myself. I have many questions, including - proof of the debt -proof of the age of debt, etc. The company is XXXX XXXX XXXX. 

Thank you for your assistance in this regard.

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 2021-05-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA

Complaint narrative:
received notice of outstanding debt in the amount of {$2800.00}, on behalf of " XXXX XXXX XXXX XXXX " XXXX XXXX XXXX XXXX When moving out, all finances have been settled, a " move out protocol '' has not been issued and no repairs were requested before move out. Any alleged repairs conducted after and not even informed or coordinated are not acceptable. 
Debt collector FCO, XXXX Md, issued the debt notice, upon phone call onXX/XX/ was informed that the debt has been " disputed '' ( not by me, so by whom? ), and today received ledger thru FCO from apartment company, with statements i am unable to confirm. 
My address and phone credentials have not changed since XXXX ( I was rent guarantor ), and have not been contacted by the rental company at all in the meantime.,

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