vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-20 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUEBILL, INC
State: WA

Complaint narrative:
I contacted Truebill through there online chat box and spoke with concerning being charged for Truebill premium. They said I must provide XXXX email to be refunded which I did. I got a refund through XXXX and then was charged another amount in the amount of {$74.00} in which I never approved of. Little charges from my bank keep coming up in which Im not approving of. I need this company to stop with the charges.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: ID Analytics, Inc.
State: TX

Complaint narrative:
I sent them my Id, social, & bank statements Not one person has been able to help me get my PIN number to unfreeze my account with them. 
Customer service cant identify me with everything I sent Still no PIN number to unfreeze my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have NO knowledge of this account ( s ) Have been disputing this information for a while now ( 30+days )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: CA

Complaint narrative:
Towards the end of the underwriting process, I was told that the underwriter would not consider the income coming from my rental properties because I didnt have a years worth of rental. I told them that I had over a year of rental income from both properties. Everything was verifiable. The properties were under my name directly and I had proof of income. I believe I was discriminated against because of my race. A simple refinance shouldnt have been an issue with such a low mortgage amount compared to my income. I sent them all of my documentation and clearly explained to them all my properties and that one of my properties were free and clear from any debt. This is not right and they are making up reasons to not close on my mortgage for the low rate they had promised me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
This original creditor was XXXX, which I reported this account with fraud department and all debt was deleted and was told by sprint that this debt was not owed. the account was some how purchased to diversified ( collection agency ) I provided diversified with all information that XXXX provided me that the account was fraud and was deleted from my credit report, since diversified was unable to collect on a fraud account they sold this debt to SRM ( Source RM ). I have provided SRM with all information and they have yet to stop sending debt letters and have this fraudulent debt removed from my credit report, I have sent letters to cease all phones calls and ask that this account be removed from my credit report. I am now making a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: FL

Complaint narrative:
XXXX- while professing one may  update or add to their dispute process to is not true by their allowing. They continually disallow any and all forms of commentary deferring to the lender or limited selective criteria they have established. This creates a false narrative and false investigation. Also the time to resolve disputes is outrageous placing people in financial bondage while lender are allowed to merely claim they are still investigating and their responses CAN NEVER reflect accuracy because consumer comments are never recognized andvl that remains acceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
Eastern Account Systems has falsely tried to collect debts from me 3 times. Each time I file a complain and request the debt be proved and they change the items on my credit report to {$0.00} balance, but leave it as it had been in collection with {$0.00} balance. I have requested they remove the fraudulent statements on my credit report and they will not do it. They work for XXXX/XXXX  XXXX  ( particularly WoW ) who give them false accounts and then they just accept the dispute and put it at {$0.00}.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I went TD Banks XXXX XXXX XXXX, XXXX XXXX approximately XX/XX/2021 XXXX. The teller denied me services after I produced my State ID and my prepaid card. The teller informed that my name was on the card and she refused to allowed to obtain the funds off my prepaid card.I received service on this card from another TD Bank XXXX XXXX XXXX, XXXX, PA XXXX on XX/XX/2021. I was forced to travel 3 to 4 miles and received services from another TD Bank. I believe the teller discriminated against me because I was a person of color. The other tellers that assist me were person of color and had no issues removing the funds of my prepaid card. 
I reached out to customer service so I could retrieve the teller name form the bank manager XXXX XXXX. He has not responded to my request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
Shellpoint servicing is threatening to foreclose and Im only one month behind. They wont allow me access to my online account unless I agree to harassing phone calls and text messages. This company is bullying me, wont allow me to put my overpayment to principle unless I do it online. And constantly adding fees to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: VT

Complaint narrative:
On XXXX  XXXX, TD took over {$700.00} USD out of my account ( see below ) Stimullus Temp CR Reversal XXXX They stated they had given a credit to my account for the stimulus and took it back. I never had any notice that my account had been credited for any loan/credit or anything of the sort. 

I opted to " go paperless '' and receive my statements etc. electronically. Customer Service advised I had been given notice by a letter. 

I also advise them almost monthly that I have been traveling for the last 3 years. 

This has caused my account to go deeply in the hole and am going to have to borrow money for rent and food next month. 

This bank constantly rips off the consumer and the government does very little about it. Rigged penny arcades : Minor fine. Structuring of Transactions for over a XXXX USD in false charges a XXXX XXXX settlement. Not alot of incentive when that gives them about an 85 % profit margin for criminal fraud. 

You people do nothing to the banks when they conduct illicit activitiy, because the banks have Congress in their pocket.

What are you going to do about this? 

I know. Nothing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-20 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have NO knowledge of this account ( s ) Have been disputing this information for a while now ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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 — Investigation took more than 30 days
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I filed disputes in regards to incorrect items on my credit report and sent a letter to verify items. It has been well over XXXX  days and I haven't received any response regarding the investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I.C. SYSTEM, INC Account XXXX THIS PHONE I DON '' T OWN and IT STOLEN.

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 2021-04-20 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: TX

Complaint narrative:
Equifax has XXXX attorney generals on my account which should only be XXXX & which has been paid in full since XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
Can you please remove the Navy Federal CU credit card which is not mines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: MD

Complaint narrative:
Experian is reporting debt from XXXX XXXX without validation or contract tried to have them correct the situation and they are refusing to do so XXXX can not verify the debt and yet its being reported on the 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 2021-04-20 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: FL

Complaint narrative:
On XX/XX/2021, Paypal decided to " permanently limit your account as we found potential risk associated with it '' after I received funds from my husband 's account. The fund was for a business loan payment that we both owe. Not only did Paypal charged us fees for " goods and services '', but it is tieing up the fund for 180 days as an interest-free loan to Paypal. This is completely unacceptable to steal our money, charge us fees, and immediately prevent us from doing anything with the funds. I can't refund, withdraw, or send it out. This is stealing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-20 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
To XXXX XXXX, I am using this CFPB portal to dispute the following incorrect information appearing on my credit report. I just want to ensure that you receive my dispute in full detail and timely fix the errors on my report. The items I dispute are also circled in the attached copy of my credit report. 



First Disputed Item : Adverse American Express Account # XXXX Reason for Dispute : I closed the account and settled with American Express. We each signed a release of claims that included a future provision prevented American Express from reporting this debt delinquent after the account was settled. The credit report still shows a late payment of more than 60 days on the column marked XXXX, and more than 30 days late on the columns marked XXXX, XXXX and XXXX. This is the second time I am complaining about AMEX via the CFPB portal about this error on my credit report. I am attaching a letter from American Express as proof. 

on Monday, XX/XX/2021 I spoke with a representative from AMEX at XXXX XXXX and she admitted the account was listing in error that it is a primary holder but I am only an authorized user. Therefore this account is being listed as mine in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: PA

Complaint narrative:
I have no a knowledge of this account according to the FCRA This item must be removed

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 2021-04-20 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Hello, I've been sending dispute letters since XXXX of 2020 asking for an investigation in regards XXXX XXXX reporting inaccurately on my credit report. Over 5 letters have been sent and I haven't received any results or any notification that this account has been investigated. This account is still reporting inaccurately on my credit report and it is damaging to my credit profile.

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 2021-04-20 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: PA

Complaint narrative:
I have disputed items on my credit report with all 3 major credit companys. Equifax has all the same accounts as the other 2 but all my disputes with equifax they just say been verified. They actually aren't investigating. They have an Item on collections that has been paid in full. one of my accounts with XXXX shows only payment in XXXX but has been XXXX XXXX XXXX. shows wrong balance as well. My premier card and credit one card both have wrong balance yet equifax will not probably verify this info. They also drop me 19 points after removing student loans that were not due and are over 100 points lower then other 2 credit companys. this is getting nowhere with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Hi. I was the costumer of Citi bank. 
Im trying to get a loan from XXXX XXXX, but it was not original company. They posted on my account on XXXX or XXXX of XXXX fake check. And city bank close my account in XX/XX/XXXX XXXX. I was contact to the bank around 50 times about this situation and about my money which I get from my job ( direct deposit ) they told me, wait 60 day, I wait already 6 months and nothing changed. I had XXXX on my checking account and XXXX on my saving account, now, when I contacting to the bank, they cant check any information and sending me to the branch, in branch I also did not get any help, because they told me, they need to call to the fraud department, and still did not give me any solution, just every time when I contact to the bank, they told me, wait 60 days ... its co complicated ... please, help me to 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 monetary relief
Consumer complaint received 2021-04-20 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: MD

Complaint narrative:
Equifax is reporting debt from XXXX bank without validation or contract tried to have them correct the situation and they are refusing to do so XXXX can not verify the debt and yet its being reported on the report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Have tried to login into my account ( s ) to get credit reports & dispute not known accounts via XXXX, Transunion, & XXXX and each one is " unable to complete my request '' online

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 2021-04-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Have tried to login into my account ( s ) to get credit reports & dispute not known accounts via XXXX, XXXX, & Equifax and each one is " unable to complete my request '' online

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: MI

Complaint narrative:
I was sent a deposit of {$3200.00} on XX/XX/XXXX. PayPal closed my account for no reason and made me wait 180 days to withdraw my available funds. It is now XX/XX/XXXX ( 181 Days ) AFTER the restriction and closing of my account, and now they are telling me I have to wait until XXXX to withdraw my available funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent a letter to Experian asking for proof of certification for the the bankruptcy listed on my file as well as all of the negative items attached to the bankruptcy and they have not done so. I know that under 605 ( b ) of the Fair Credit Reporting Act, an agency must block information within 4 business days.

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 2021-04-20 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: TX

Complaint narrative:
Equifax has 2 attorney generals on my account which should only be one & which has been paid in full since XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
Our family decided to buy a special/rare breed of an hypoallergenic kitten to the isolated XXXX child in the house during the covid-19 pandemic, so we found a " breeder '' on a XXXX group and he offered a certain price ; he seem to be reliable while sending videos and pictures of the animal, always asking questions about our possibility to raise the kitten in a safe environment, always giving vivid details and constantly mentioning XXXX. Costs started to grow out of control, and every time we refused to send more money, or stop the agreement, through intimidation ( animal endangerment, going to court, etc ... ) the " seller '' would get more and more from us. Shipping confirmation was sent with the promise of a refund in case of no delivery, and we never received neither the kitten nor the refund. He still asks for money ( we already notified the local police, XXXX and our bank about it ). We hope to have our money back after all the stress and trauma caused. Thanks, XXXX XXXX.

Company response to consumer: Closed with explanation