vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: AK

Complaint narrative:
XX/XX/20-I purchased a " diamond '' ring using paypal credit on ebay. I was charged {$2500.00} on my paypal credit card. 
XXXXI received a letter from my jeweler verifying that the ring was not a diamond. 
XX/XX/20-I asked for a return from the seller, seller authorized return but stated they would not be sending me a return label for return shipping, they said " I can't send you a label. '' XXXX shipped the ring myself to seller in the country XXXX as I only had 60 days to get the product back to the seller ( paypal rule money back rule ). 
XX/XX/20-I received an email notification from XXXX that the seller " refused '' to pick up the package, citing he did not want the delivery. 

I opened a case with paypal and they reversed the charge, they in turn, reversed the charge and I have the balance on my paypal credit. I have worked with XXXX, who has refused to do anything as they said they had no liability since I opened a case with paypal. I opened a case with paypal who said I need to go through Synchrony Bank as the bank owns paypal credit. I have filed 4 disputes with Synchrony Bank and the last 3 have ended with them contacting the seller and he citing that I owe him the money. I have a dispute case open with Synchrony Bank which will end soon, but given how it has gone thus far, likely not in my favor. In the meantime, the seller is still on ebay selling fake jewelry. XXXX has been made aware of this by me on numerous occasions.

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 2021-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ORG GC GP BUYER, LLC
State: MI

Complaint narrative:
Repeated calls to my phone Impersonating that they was Michigan state treasury office and ask for to give them my address to send me a check from unclaimed property the company is called G C debt collection phone number XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I paid TransUnion for the credit monitoring and identity theft program and since I have made the payment I can not log in. I tried calling and the only way to speak with someone is of I use the business options or the future business options and they send me back to the consumer side which doesnt allow me to talk with anyone nor does it let me send a message of any kind to get my problems taken care of!!!! This is absolutely ridiculous that as a consumer I have no support but if I was a business or partner I would be no problems getting support this is fraud and a form of discrimination against me because Im not a bussness and the fact that consumers are the ones that keep business open and pay their checks in a since we as the consumer should be more protected than the businesses that are preying on their own customers

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 2021-04-24 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XX/XX/2021 Bankruptcy Chapter XXXX Verified as accurate They didn't contact court to verify

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 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: VA

Complaint narrative:
XX/XX/2021 Bankruptcy Chapter XXXX Verified as accurate They didn't contact court to verify

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 2021-04-24 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: CITIBANK, N.A.
State: MN

Complaint narrative:
THD/CBNA is reporting a debt collection account against me that they fail to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. THD/CBNA wont send any documents, bearing my signature, showing that I have a legally binding contractual agreement/obligation to pay them for the alleged amount. XXXX  and XXXX  have already removed this account from my credit for Violations against the Fair Credit Reporting Act. THD/CBNA also didnt furnish the credit bureaus with the required disclosure, within the period required by law. They are required by law to place a notice of dispute on my account within 30 days of my dispute, which you signed for XX/XX/2021. I have retained a copy of their signature and date of receipt, as well as time stamps of my credit reports showing that you violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act 807 ( 8 ) by not placing the disclosure within the required 30 day period. Im requesting THD/CBNA delete this account off of my credit reports for good for violations against the Fair Debt Collection Practices Act.

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 2021-04-24 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: NY

Complaint narrative:
I am writing to delete the information in my file. The items i need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I opened up a PayPal account and got {$200.00} sent to me and 30 minutes after I received my money PayPal put a hold on my money and said Im permanently banned I never did anything wrong and its a brand new account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I was going over my CREDIT REPORT I found addresses that I never lived at. please delete the following XXXX XXXX  XXXX XXXX OH,XXXX-XXXX XXXX  XXXX XXXX  OH,XXXX  XXXX XXXX  OH,XXXX XXXX  XXXX XXXX OH,XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I was going over my CREDIT REPORT I found addresses that I never lived at. please delete the following addressesXXXX XXXX XXXX XXXX OH,XXXX-XXXX  XXXX  XXXX XXXX  OH,XXXX  XXXX XXXX  OH,XXXX  XXXX  XXXX XXXX  OH,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 non-monetary relief
Consumer complaint received 2021-04-24 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: Phoenix Financial Services LLC
State: TX

Complaint narrative:
On XX/XX/2021, I submitted a complaint through the CFPB portal, complaint number XXXX, regarding XXXX investigation into accounts showing on my credit report with data furnisher Phoenix Financial Services. XXXX  responded to the complaint on XX/XX/2021 stating the data furnisher, Phoenix Financial Services responded and verified that the disputed information was accurate as reported. I never received any response or documentation from Phoenix Financial Services showing the alleged debts and alleged accounts to belong to me. XXXX also stated in their response that the results summary was sent to me for my review on XX/XX/2021. I received a response from XXXX  online although I sent dispute letters in writing. 

In XXXX  online alert on XX/XX/2021, XXXX stated The account that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to XXXX  that the information is accurate. I also received an alert dated XX/XX/2021 that the account with Phoenix Financial Services that starts with XXXX has been updated. 

I sent a letter dated XX/XX/2021 to XXXX  requesting verifiable proof that they have on file including the original contract containing my signature be provided to me. If the accounts were indeed verified with Phoenix Financial Services there should be an original contract on file with XXXX  or Phoenix Financial Services that contains my signature that I should be able to view myself according to the FCRA. The dispute letter I sent to XXXX  dated XX/XX/2021 is what resulted in XXXX response on XX/XX/2021 although online XXXX  shows my dispute with a Date Submitted of XX/XX/2021. 

There have been no contracts or any documents at all bearing my signature, for the alleged debts, provided to me by Phoenix Financial Services or either of the 3 major credit bureaus. Documentation without a written signature does not validate the debts and anybody can send a response or furnish any information and say it is mines. According to the FCRA, XXXX  and Phoenix Financial Services have violated my rights as a consumer and I am requesting legal action to remove these accounts immediately from XXXX  and any other bureau these accounts have been reported to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: FL

Complaint narrative:
XX/XX/2021 : sold {$160.00} worth of Doge Coin through Binance.US, sale went through and only showed {$90.00} available ( still hasnt given me the remaining {$70.00} ) Ive attempted to withdraw the available {$90.00} every day since the XXXX ( today is the XXXX ) but have been met with a message reading withdrawals suspended due to risk management mind you Ive followed every single XXXX / authorization process before setting my account up to avoid this. 

On XX/XX/2021 I sold my remaining XXXX doge for USD but Binance.US decided to give me USDT crypto instead of the USD standard - didnt ask for that - then wouldnt allow me to sell for USD for {$380.00} - leaving a total of {$470.00} in my binance.us wallet not including the missing {$70.00} from the initial XXXX $ XXXX sell I have put in multiple support tickets, tweeted the official accounts for binance &. Have reached out to their financial advisor all with 0 answers. Through my research this is a constant issue within this company as they face lawsuits form the very community thats supported them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jim Bottin Enterprises, Inc
State: MA

Complaint narrative:
since XXXX I was a member of XXXX  XXXX, I received a call from ABC Financial on XX/XX/XXXX stating that they put my account in collections for non payment and an expired card. I told them the gym has been closed since XX/XX/XXXX due to the pandemic and there was no way I could contact anyone there. Also based on Massachusetts Covid state law and regulations the gym was closed and I never received any emails, calls, or mail correspondence regarding reopening. the website still states it is closed I am uploading all supporting documentation because this is unlawful especially during a crisis where the entire world was closed and gyms are the last phase in Massachusetts for reopening in XX/XX/XXXX. I want all fees refunded for when they have been closed, I want this off my credit report and my gym membership reinstated. 
My contract is a month to month because the agreement was a 2 year obligation I believe so the charges should have technically stopped until I was able to go in the gym and pay for the month I feel safe enough to come in. 
I am a 5 year member

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 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: NY

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Hello, My name is XXXX XXXX and my complaint is regarding a car that I have leased for four years from Hyundai/Kia. At the end of the lease term I was sent a bill in the amount of {$2500.00} which I paid onXX/XX/2021. Shortly thereafter I made that payment and received confirmation that from my bank that the payment was withdrawn from my account. The representative from Kia Finance made me aware that my account would be credited that same day and that I would received a satisfaction letter in the mail. The following weeks continued to received late notices from Kia indicating that I have missed a few payments even though I paid my balance as a result my account was reported as delinquent and late! which has cause my credit score to decrease dramatically! I spoke to a representative with Kia Finance whose name was XXXX on XX/XX/2021 - he advised me there an error made on their end when they took my payment for XXXX. The error was that they posted my payment and credited it to another customer 's account instead of mine. They offered a resolution to remove the derogatory mark from my credit report and properly credit my account with the XXXX payment that I made to them. I was promised a phone call however I haven't heard from anyone. I need your help to hold this institution accountable for messaging up my credit rating! 

This is joint account with my mother XXXX XXXX XXXX whose credit was also Impacted. 

The creditor is Kia Finance Address : XXXX XXXX XXXX Suite XXXX XXXX XXXX XXXX, CA 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 2021-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: UT

Complaint narrative:
Please help me. We a paid ahead on payments. When we just paid a regular payment once a month they were charging me around {$890.00} in interest. My interest rate is 3.375 % Since I started paying an extra payment they are now charging me twice for my interest. XXXX they charged me {$1600.00}. I need help. They should be applying my extra payments to the principal not penalizing me with double interest if I am paying early. This is a conventional loan. See my attachments. We were with XXXX XXXX for years and never had a single issue, SPS took over our Servicing in XXXX and they are horrible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 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: NY

Complaint narrative:
On XX/XX/21 I was recently denied credit and I pulled my credit report and I found out I was violated under the federal protections provided to me as a consumer under the FCRA.15 USC 1681a ( 2 ) ( B ). clearly states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a CREDIT CARD or similar device '' should be excluded from a consumer report.

A social security card is a credit card defined pursuant 15 USC 1601 ( l ) under TILA which is the same as the definition as a credit card under the FCRA stating any card, plated coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit.

The following extensions of credit included in the attachment letter were authorized from my social security card or my credit card and these accounts are in violation of 15 USC 1681 ( a ) ( 2 ) B ).

These accounts also are in violation of 15 USC 1681b ( 2 ) because I did not give written content to furnish these accounts and therefore these accounts do not have permissible purpose. By releasing this information they have violated my right to privacy pursuant to 15 USC 1692a and as result have caused me damages from emotional stress, additional barriers to receive funding during the pandemic, and aided in tarnishing my reputation.

I DEMAND a removal of these accounts as a federally protected consumer under the law.

This is me and not done by no one else. I have sent notarized letters to the Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have a credit card with Wells Fargo Bank, Last month I cancelled the credit card and close the account related to this credit card because I have lost the card. After one month there is a rental cars agency company called XXXX have the information for my old credit account number because I rented a car from them. I got in to a car accident and was hospitalized for about 15 days. My insurance company XXXX should take care of the charges related to this vehicle because the car was totaled. After one one month which is today XX/XX/2021 I was surprised with charged made by bank Wells Fargo and the beneficiary was XXXX rental car amounted {$2700.00} and the illegal action that was done by Wells Fargo they authorized the transaction and made it through after the fact I cancelled my credit card a month go. Additionally, my bank authorized the transaction and back dated to XX/XX/2021. It's illegal for them to charge a credit card that is already cancelled and closed. I want my money back because they broke the law and regulations and charge a closed account {$2700.00} to XXXX. All phone calls are recorded between me and the bank so I know I am protected XXXX percent. I want 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 2021-04-24 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: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
I was sick with covid in XXXX and tried to contact the Barclay to let them know I needed to be in a hardship plan or cares act and could not get enroleld. I would like this late payment removed. I have a Visa Black hard and XXXX  rewards card. they reported them both as 30 days late.

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 2021-04-24 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: NY

Complaint narrative:
I am writing to delete the information in my file. The items i need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my son.

Company response to consumer: Closed with explanation