vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-30 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: IL

Complaint narrative:
I have been sending in numerous complaints because the credit bureaus are violating our rights as consumers. They are damaging our credit by updating things and doing what they want to do. There are numerous student loans on my report with inaccurate information. I sent in a letter, which I will attach, advising them of this and asked them to deleted the incorrect information. Instead, they responded they updated the account and the information is still totally wrong. If they do not have any documentation in their files to verify the accuracy of these disputed accounts then they are suppose delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). This is a total violation of the FCRA and I am reporting this to the States Attorney office as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I received an email on XX/XX/2021 at XXXX XXXX stating that a XXXX transaction was made in the amount of {$980.00}. I called TD bank immediately letting them know that I didn't make this or authorize it. They told me that they need to cancel my debit card so I did. The next day I went to Td bank and got a new card. Then I called in again to follow up and was told that the fraud was on my bank account not my debit card and that they need to shut down my account. By that time TD bank already processed the XXXX payment and the money was taken out of the account. I do not know this person nor have I ever XXXX this person any money. TD bank did not protect me or my account. I have called numerous times with no resolve. I contacted the FTC and filed a report and a police report and provided it to TD Bank with no resolve. The case number with TD bank is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
Today I woke up and had a XXXX dollar overdraft fee, but my account has never once been over drafted This is a ongoing issue with citizens bank Where they charge you an overdraft fee by putting you direct deposits that come the same day as transactions on your account after they overdraft it, even though it says its there Then they argue with you to try defending it because according to them they can see things I cant, which Im sorry no matter how many XXXX transactions are on hold its for sure not more than whats in my savings at the same bank that keeps doing this to me, and that I always ask if they needed it why didnt they take it outta my savings instead of giving me a fee? Theres not any record of my account actually over drafting, and they wont remove it I took pictures, theres not a single time it was red Theyre trying to say it was because of the charges that cleared on the day the direct deposit was made But realistically both payments made to city taxes completely vanished till today and showed back up, which Im also tired of them making things vanish for days so you cant account for them then magically putting the transaction back I manage my account very tediously and they are using deceptive means to gain overdraft fees from people who didnt earn them

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-30 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: CA

Complaint narrative:
Over 2 weeks ago my Venmo account was suspended with no warning or reason. 
I deleted this and made a new account. 
2 clients of mine sent me money totalling {$500.00}, and as soon as I tried to transfer this, my account was once again suspended. 
It has now been over 2 weeks and I have not been able to access my {$500.00}. 
I have reached out to Venmo via phone and email to no avail. 
I seem to be getting sent in a circle where " the next person will surely be able to help me '' if only I comply with the things they request. 
I have proven my identity, gone to my bank for a statement to prove ownership of my bank account, I have called and been denied to speak to a supervisor. 
I have sent numerous emails. 
All to no avail. 
It seems at this point they are using this account closure as means to keep my money, totalling {$500.00}. 
This money is how I pay my rent and with the 1st approaching I will surely be in quite a large financial and personal housing crisis due to this entire scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-30 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: IL

Complaint narrative:
I have been sending in numerous complaints because the credit bureaus are violating our rights as consumers. They are damaging our credit by updating things and doing what they want to do. There are numerous student loans on my report with inaccurate information. I sent in a letter, which I will attach, advising them of this and asked them to deleted the incorrect information. Instead, they responded they updated the account and the information is still totally wrong. If they do not have any documentation in their files to verify the accuracy of these disputed accounts then they are suppose delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). This is a total violation of the FCRA and I am reporting this to the States Attorney office as well.

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 2021-06-30 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: IL

Complaint narrative:
I have been sending in numerous complaints because the credit bureaus are violating our rights as consumers. They are damaging our credit by updating things and doing what they want to do. There are numerous student loans on my report with inaccurate information. I sent in a letter, which I will attach, advising them of this and asked them to deleted the incorrect information. Instead, they responded they updated the account and the information is still totally wrong. If they do not have any documentation in their files to verify the accuracy of these disputed accounts then they are suppose delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). This is a total violation of the FCRA and I am reporting this to the States Attorney office as well.

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 2021-06-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA

Complaint narrative:
We have been trying to resolve a mess this mortgage company created. We sold the house in question and it closed XX/XX/XXXX, the mortgage company for some reason sent incorrect figures to the closing agent on a pay off statement, the money was wired to them for the full amount on the pay off statement. They are now demanding more money and neither ourselves or the closing agents were notified of this until I got a delinquency letter in the mail. We have tried to fix this, and they now say we owe XXXX in escrow fees, as well as an additional XXXX in penalties and interest from XX/XX/XXXX to now, XXXX dollars in penalties and interest seems very excessive. I have tried to reach the supervisor they tell me I need to speak to and she is never available and will not return calls. We are about to seek legal action since we can not get resolution from them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: PA

Complaint narrative:
i have been challenging the accurate reporting of account for XXXX  to all 3 credit bureaus for 6 months and this always comes back verified as accurate ... how can this be when the reporting is not 100 % the same within all 3 bureaus ... in fact XXXX has yet to even add the comment saying it is in dispute that in itself is a violation ... .high credit limits are not consistant between the 3 bureaus, credit limits are not consistant between the 3 bureaus, comments are not consistant between the 3 bureaus, date of last active are not consistant between the 3 bureaus, date of last payment are not consistant between the 3 bureaus, look also at the 2 year history on the bottom as well are not consistant between the 3 bureaus ... ..they have obviously not conducted proper investigations ... they are pencil whipping ... .they need to be held accountable as this account is not reporting 100 % accurately ... delete this now

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 2021-06-30 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 been challenging the accurate reporting of account for XXXX to all 3 credit bureaus for 6 months and this always comes back verified as accurate ... how can this be when the reporting is not 100 % the same within all 3 bureaus ... in fact equifax has yet to even add the comment saying it is in dispute that in itself is a violation ... .high credit limits are not consistant between the 3 bureaus, credit limits are not consistant between the 3 bureaus, comments are not consistant between the 3 bureaus, date of last active are not consistant between the 3 bureaus, date of last payment are not consistant between the 3 bureaus, look also at the 2 year history on the bottom as well are not consistant between the 3 bureaus ... ..they have obviously not conducted proper investigations ... they are pencil whipping ... .they need to be held accountable as this account is not reporting 100 % accurately ... delete this now

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX I disputed a charge with my credit card company Citi. The dispute was regarding a purchase with XXXX in the amount of {$5800.00}. I disputed this charge due to the fact that the purchase for service I paid for I never received. Citi provided a conditional credit in this amount and advised an investigation would take place. 

On XX/XX/XXXX they asked for additional information which I complied. I provided in great detail. The invoice, emails etc.., and other supporting documentation. I explained the merchant defrauded me of {$5800.00}. They sold me a service that was never provided. They expected me to except another variation of a similar package at an additional charge, which I refused. My emails reflect this companies admission to misrepresenting this package. I have tried unsuccessfully to get this subscription cancelled. 

I have not received the service I paid for. I have not utilized or benefited from any of their products or services that they have otherwise attempted to bribe me with in order to keep my {$5800.00}. This is a fraudulent transaction as this foreign company lied and intentionally misrepresented their product over and over until they got their money. 

On XX/XX/XXXX Citi made the decision to reverse my conditional credit. I received no notification or explanation or advised of any appeal rights or reconsideration. I was not given an opportunity to dispute any information from the merchant that was used in this decision. I called back requesting to speak to a supervisor and was told they dont make calls but I can request for them to review your complaint and escalate it to their department. I was advised there was no direct contact number and that I would just have to wait for further instructions through mail. 

In the meantime they have recharged this disputed charge to my account which has negatively affected my credit standing and generating excess fees and interest. I have submitted several letters and emails to XXXX but have received no response. It is my belief that this unfair decision to make me responsible for this {$5800.00} was made to benefit Citi as they are the ones to stand to benefit from this decision and not to protect its customers from being fraudulently charged for misrepresented services never received. Because of this I have had no choice to request my dispute reviewed unbiasedly.

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 2021-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I received a print ad from TD Bank in the mail in early XXXX advertising a {$150.00} bonus for new accounts. I was unbanked at the time so I opened an account on XXXX XXXX in time to have my XXXX direct deposited-a condition of the bonus. As well I continued the direct deposits until now. 
TD Bank now says I did not open the account with a link-whatever that means so no bonus. I approached the bank to resolve but very little action, I asked for email records of the bank officers back and forth to their rear-of-house team. I was denied access claiming that I needed a subpoena to receive, I reached out to customer service on the phone and was given several different reasons I can not get the bonus. Each time the reason was different. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Two years ago I ordered via the internet virus protection service for my computer for two years from XXXX vendor with my Capital One XXXX credit card. 

I never authorized XXXX to automatically renew this virus subscription service. Subsequently on XX/XX/2021 my credit card was charged {$110.00} for subscription renewal for XXXX. 

I informed Capital One that I did not authorize this charge several times. I asked them to dispute this charge and close my account. Capital One has sent me numerous letters asking for receipts for this original purchase. I explained to them that it was two years ago and never received a hardcopy receipt. 

I have other credit cards and never experienced the amount of wasted time and frustration to do two simple things ... .dispute a charge that I did not authorized and close my account. 

My case number with Capital One regarding this matter is # XXXX. 

Please help me resolved this matter once and for all as I do not want my excellent credit rating damaged by this unauthorized charge. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, SC XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-30 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: PA

Complaint narrative:
i have been challenging the accurate reporting of account for XXXX to all 3 credit bureaus for 6 months and this always comes back verified as accurate ... how can this be when the reporting is not 100 % the same within all 3 bureaus ... in fact XXXX has yet to even add the comment saying it is in dispute that in itself is a violation ... .high credit limits are not consistant between the 3 bureaus, credit limits are not consistant between the 3 bureaus, comments are not consistant between the 3 bureaus, date of last active are not consistant between the 3 bureaus, date of last payment are not consistant between the 3 bureaus, look also at the 2 year history on the bottom as well are not consistant between the 3 bureaus ... ..they have obviously not conducted proper investigations ... they are pencil whipping ... .they need to be held accountable as this account is not reporting 100 % accurately ... delete this now

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 2021-06-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I written your division through the years and nothing was ever resolved, my complaint 's started with XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX, I report them as fraud when I found out in XX/XX/XXXX my home was paid in full and I do not have a mortgage, On XX/XX/XXXX XXXX XXXX XXXX XXXX has transferred the services to XXXX XXXX XXXX and last I spoke with them on XX/XX/XXXX I informed them I owed nothing on my home, but they are reporting to the credit bureau Derogatory status on my credit report in the amount of XXXX. If it was deteremined that XXXX XXXX XXXX was Fraud and should not have been collecting any payments on my home this new company is attempting to do the same thing. I've owned my home since XXXX with XXXX in additional payments. 

Get proof the loan exist.

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 2021-06-30 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: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. U S DEPT OF ED/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXXXXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX - XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: CA

Complaint narrative:
I have sent Experian an Identity Theft affidavit for the XXXX XXXX XXXX reporting on my credit file. The balance on the account is {$6800.00} I have sent XXXX XXXX XXXX and also EXPERIAN a copy of my Identity theft affidavit back in 2020. They were suppose to block the account and they failed me as a consumer, Also according to 15 USC 1681 ( d ) Investigative consumer report. EXPERIAN AND XXXX XXXX FAILED ME AS A CONSUMER AND STATED EVERYTHING WAS VERIFIED when either of them failed to do their full job according to what congress states in 15 USC 1681 ( D ) I AM DEMANDING XXXX XXXX XXXX BE REMOVED FROM MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation