vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-13 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: CA

Complaint narrative:
I sent 50 pages dated Todates here nows ones days XX/XX/XXXX, XX/XX/XXXXyear ( s ) s towards Equifax a dispute to update my name change decree on the credit file website became in fax option communication by telephone help on Equifax.com membership I had have had am to becoming of me towards having I pay paid for by plan of wellness action. The fax was sent went through to the number provisioned given no not one response, no change to the credit file name sakes XXXX XXXX XXXX XXXX, name change decree addendum inside its page ( s ). This is XXXX XXXX year I sense. I sent beginning of papers on trust account to the service online personnel help provisioned fax number to me to use to submitt stating he could is to update the name in the computer member system receiving towards the fax I am sent papers on not a credit file can be found pertaining to my personal information comments to a XXXX  card is not an state issued SSI card it is in the dates created to use, the card a ssi card to my name XXXX XXXX XXXX I was born aka also known as by government to use at times XXXX. The Equifax is rude biased out to date me, Im youthful. Descrimination by age is did occuring todate XX/XX/2021. Please correct this by having the credit brutes update the name decree towards XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX I did get a suffix in my last names sakes to the first middle name intials. XXXX is to my name today spent moneys time energy towards their communications in XX/XX/2021 by us postal mail. I didnt receive mail at the correct address listed. The address on the file is outdated the apartment number isnt effective efficient effical to doing 1 % business at me, mine file, to a 100 % mean median ratio average personnel experienced on deck credit bureaus decades todate, today XX/XX/2021. Thanks for having them update the account to my mobile home address I own at XXXX XXXX XXXX XXXX Ca XXXX its reminder is great! Thanks XXXX XXXX XXXX XX/XX/2021 XX/XX/2021 XXXX XXXX XXXX XXXX An addendum to XXXX XXXX XXXX at XXXX Ca XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: NJ

Complaint narrative:
Approximately a year ago I returned my lease and payed my additional prescribed settlement fees that wee imposed by the dealer. Received my settlement paperwork and a few months went by I started to receive paperwork from us bank that I owed more money. I called the car dealer and my salesman informed me that a mistake was made on there end. I called us bank and a representative informed me that these accounting eras happen often now I requested a breakdown of the fee to pay and us bank will only send me my original contract with no identifying cover letter. No transparency has been offered from XXXX XXXX in XXXX Nj or US Bank

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 2021-02-13 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: MI

Complaint narrative:
I am making my payments on my valid accounts on time some how all my good standing accounts are showing payments not made but my creditors did not report missing payments. So everything that Im doing good the credit bureaus are reporting bad. On at least approx 7 good accounts. And their in dispute without me disputing and not showing what the dispute is. So my scores in one day went from XXXX to XXXX. This isnt right Im trying to build my credit from identity thief. Im trying hard from being stolen from and now the credit bureaus are cheating me. I am at the last part of getting a refi and this happen I just want to have good roof and my home to have some updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am making my payments on my valid accounts on time some how all my good standing accounts are showing payments not made but my creditors did not report missing payments. So everything that Im doing good the credit bureaus are reporting bad. On at least approx 7 good accounts. And their in dispute without me disputing and not showing what the dispute is. So my scores in one day went from XXXX to XXXX. This isnt right Im trying to build my credit from identity thief. Im trying hard from being stolen from and now the credit bureaus are cheating me. I am at the last part of getting a refi and this happen I just want to have good roof and my home to have some updates.

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 2021-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION
State: MP

Complaint narrative:
The Xoom money transfer used to be processed within the day after a transaction is finalized. I had been doing money transfer using my XXXX XXXX XXXX ( XXXX ) debit card and send money to my bank account in the XXXX, but when I made a transaction on XX/XX/2021 it was accepted just like my past normal transactions and I was expecting that it will be processed after a day or two. But turned out that until now XX/XX/2021, I haven't got my money in my bank account in the XXXX but it was already deducted from my XXXX debit card. I tried to email Xoom customer service, but only an autoresponder is sent back to me saying that they are sorry for the inconvenience. I tried to call their toll free number but I have been waiting for 25 minutes on hold/queue but no person answered my call. I did call for several times but same waiting time and no person answer my call. Tried to message their XX/XX/XXXX account but still no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-13 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: CORELOGIC INC
State: OR

Complaint narrative:
Unauthorized inquiry to my consumer 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 2021-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XX/XX/2020 I obtain copies of my credit report. I noticed two different accounts that Portfolio Recovery Associates, LLC had one account in collections for {$1000.00} also another account for {$520.00}. I sent a certified verification letters by mail and never received any information to verify that these debts belong to me. I'm in dismay about the way this company will have me in collections that effect my credit worthiness and not verify if these debts are owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Revolut Technologies Inc.
State: GA

Complaint narrative:
I have an account with Revolut ( US ) backed by XXXX XXXX XXXX in XXXX XXXX, NY. 

XXXX has locked me out of my account and the funds held there because I tried to top up an XXXX XXXX account to pay a friend for a meal. 

Theyve stated this is action against there policy and will not give me access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
So this guy I know decides to steal a check from his family member or his gf family I should say and decided to tear my name off a piece of paperwork in my vehicle to act as if I signed the back of the stolen check. He then deposits check into my NAVY FEDERAL CREDIT UNION SAVINGS ACCOUNT VIA MOBILE DEPOSIT. How do I prove I was not involved in this fraud and how do I clear my name? My account of 18 years has been closed and I'm probably facing a felony charge help what do I do? Not to mention I'm being treated like a criminal updates are nonexistent from my bank or authorities and I'm scared to death plus the guy is threatening me if I act on my knowledge what should I do

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 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:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for days now but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. I am using PayPal for selling bitcoins  and that's totally legal thing to do. I didnt do anything wrong. I am just trying to earn extra because my husband was just diagnosed with XXXX XXXX. I did provide all documentation they need yet they provided me an info that I am under age even if I'm already XXXX years old. And now they are holding my money which I badly need for XXXX of my husband. My email linked to my PayPal is XXXX. Please help me on this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 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: MD

Complaint narrative:
I mailed out my dispute letter XX/XX/20 to transunion. I still havent gotten anything from the company. In the letter I disputed and asked for deletions of the accounts that were reporting in error. I sent a follow up letter still with no response.

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 2021-02-13 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: Selip & Stylianou, LLP
State: NJ

Complaint narrative:
XX/XX/XXXX, I received a letter dated XX/XX/XXXX from XXXX XXXX XXXX XXXX regarding pending legal action filed by SELIP & STYLIANOU LLP with the XXXX XXXX XXXX XXXX XXXX, in New Jersey Docket # XXXX which required a response by XX/XX/XXXX. 

Plaintiff : SELIP & STYLIANOU LLP Amount : {$3800.00} Per the Fair Debt Collection Practices Act, SELIP & STYLIANOU LLP has violated the sections below : 15 U.S. Code 1692e. False or misleading representations SELIP & STYLIANOU LLP shall not threaten to take any action that can not legally be taken or that is not intended to be taken. 

15 USC 1692g ( 5 ) ( d ) Legal Pleadings SELIP & STYLIANOU LLP has violated 15 USC 1692g ( 5 ) ( d ) by sending a Civil Action via the Superior Court of New Jersey, Docket # XXXX as initial communication. 

XX/XX/XXXX, my letter for a debt validation was received by SELIP & STYLIANOU LLP. 

As of XX/XX/XXXX XXXXELIP & STYLIANOU LLP has not responded to my debt validation request and has not complied with the FDCPA. 

During the 30 day period starting on XX/XX/XXXX, SELIP & STYLIANOU LLP is obligated to cease collection of debt instead, SELIP & STYLIANOU LLP has continued their collection activities by sending a letter on XX/XX/XXXX requesting payment for a reduced amount of {$1400.00}. 

15 USC 1692g ( b ) Disputed Debts SELIP & STYLIANOU LLP has violated 15 USC 1692g ( b ) by continuing collection activities - In numerous instances, through the means described above the Plaintiff, SELIP & STYLIANOU LLP has violated the Fair Debt Collection Practices Act and is obligated to pay {$1000.00} for violations described to the defendant.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 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: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
I ordered a online book through a company called XXXX. The online book did not help with the problems I was having with my dog though it claimed it would, it cost {$67.00} and it was charged to my barclays bank delaware on XX/XX/XXXX, I tried to contact the company through their website, I received no response, I tried to call them, I received no call back, though they said they would. I tried to dispute the charge on the credit card but had to wait a certain amount of days, I called the credit card and explain I didn't have any proof of it, because the charge was put through the company 's website, I also explained I had tried to contact the company through their website and through their phone number with no response, when I told the customer service representative that I didn't have any record of it to send them, they stated they were entering my response in their records. The charge was removed on XX/XX/XXXX. Today, I noticed that barclaycard has put the charged back onto my account, dated XX/XX/XXXX, when I tried to call them about it today, XX/XX/XXXX, the automatic message said sorry call back another time.

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 2021-02-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Hello I had an Victoria Secret Credit Card account, of 2019 I closed it no longer wanted it It is all Paid in full but i am still getting Late fee Charges, and it is getting Billed to my Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cadillac Accounts Receivable Management
State: IN

Complaint narrative:
I provided the correct information to the company they choose to not send the claim to the correct claims address to be paid.. I answered everytime they called an gave them the correct information to send claims to but they never sent them. Instead sent to collections even though they had a claims address for XXXX XXXX on file. I called my insurance they said company never sent anything. I called XXXX XXXX representative stated a completely different address they sent claims to told her this was incorrect she stated will theres nothing we can do thats were we sent it talk to collections. 

Attached is the correct claims address when checking there records you will see they did not sent here

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
i have found myself in a virtual XXXX situation subjected to intrusive violating cyberXXXX with sabotaged means of reliable communication in the summer of XXXX due to the violation of privacy which is essential in my professional field as a XXXX XXXX XXXX, I had to resign from my employment in XX/XX/XXXX, while I could address all the indescribable concerns I was faced with post my internet network being hacked. It has been over four years and I am yet to be responded to, although the aggressive cover attack has escalated severely to my life being defrauded beyond any reason yet still subjected to violent covert cyberXXXX  and theft of personal belongings by the unknown to me out of sight XXXX. 
in XXXX XXXX I have placed an identity alert on my identity and filed for an identity theft in XX/XX/XXXX, however have not heard back from them still, that is how I came to understand the issue with my contacting means being unreliable due to sabotaging by the invisible threat. I presume the government has conducted some form of action to my revolving financial accounts to prevent the furthering of an identity theft and yet another American defrauded of life, I did not have a single late payment since XXXX for close to 20 years until one day in XXXX I found myself in an unimaginable virtual XXXX situation having my constitutional and basic human rights violated by having my privacy violated. 
I have moved from XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX in XXXX to XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX I do not have a landline anymore.

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 2021-02-13 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I mailed out my dispute letter XX/XX/20 to XXXX. I still havent gotten anything from the company. In the letter I disputed and asked for deletions of the accounts that were reporting in error. I sent a follow up letter still with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I mailed out my dispute letter XX/XX/20 to XXXX. I still havent gotten anything from the company. In the letter I disputed and asked for deletions of the accounts that were reporting in error. I sent a follow up letter still with no response.

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 2021-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XX/XX/2020 I obtain copies of my credit report. I noticed LVNV Funding, LLC were listed as a collection on my credit report. I sent a certified verification letter to the company to verify the debt. I haven't received any correspondence from the company verify the debt that owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Ive tried to dispute it but its closed and not off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
My Credit card account was abruptly closed on XX/XX/XXXX by citi bank over what seems to be a question regarding a billing dispute. I have a credit score over XXXX I have never been late, accrued interest, or missed a single payment in 4 years. This is nearly 2 weeks prior to when reward/cashback payments are to be made for spending over the course of the XXXX fiscal year. Over the course of the fiscal year I have earned {$1000.00} in cash back rewards which were to be paid with the XXXX statement. Additionally I have a - {$1000.00} on the account in over payments/merchandise returns that has also not been paid back to me. I have contacted the executive office of Citibank as requested with no solution no response.

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 2021-02-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
We signed a contract on a home in XX/XX/XXXX and the seller has two liens on the home XXXX XXXX and suntrust is the second lien. XXXX XXXX has already agreed to the short sell and has approve the extension twice but we have been waiting on suntrust mortgage for one approval 6 months. Suntrust is holding up the mortgage on purpose. We have already received final closing documents and have extended our rate lock 4 time which is costing us lots of money. The seller, lawyers on both sides and our mortgage company XXXX has contacted Suntrust several times to obtain closing approval but they have no explanation or responded. The cost to the consumer ( buyer ) with no explanation as to why the delay is unacceptable and with no excuse as to why. We will obtain another cost to increase on our rate lock again on XX/XX/XXXX which will go up for the 5th time. This is our forever home we have been looking for at least 3 years and we finally go it. Please help expedite this matter. Thank you

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