vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2020, I sent money to my friend, XXXX XXXX XXXX, via Venmo in the amount of {$210.00}. I accidentally sent it via Venmo, after forgetting that my friend asked me to send it via a different money transfer service. My friend did not disclose to me that he had a negative balance in his Venmo account. 

I later attempted to contact Venmo to request this money back. They advised that my friend would need to contact Venmo to request to send this money back. My friend contacted them and told them that he did not know me and stated that the did not wish to accept those funds. Venmo later told him that because he had a negative balance in his account, they would. I advised him not to say that but I am not responsible for what he chose to say. 

After my friend contacted Venmo, I contacted them again and they continued to state that they can not reverse the payment. I find it difficult to believe that there is mechanism in place to safeguard a consumer 's money when this type of situation occurs. Although I understand that if my friend did have a debt with Venmo and any amount collected would be used for that purpose, if I erroneously sent the payment to this account, there must be someway to request this money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: CA

Complaint narrative:
This is the third time my identity has been compromised. I dont understand why this continues to happen to me. Please remove these fraudulent accounts from my report as soon as possible

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 2020-05-29 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:
This is the third time my identity has been compromised. I dont understand why this continues to happen to me. Please remove these fraudulent accounts from my report as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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 — Problem with personal statement of dispute
Company: DISCOVER BANK
State: NY

Complaint narrative:
XXXX XXXX - not authorize charges XX/XX/2018 Discover FINCL- not my account ( made a police report about identity theft in NY XXXX so far didnt get any resolvement ) i went to my friends wedding in XX/XX/2018 in XXXX. when i went out with my friends i got an alert in my phone that my card was charged and it sounded like fraud. i contacted the credit card company and called them right way and they said they will dispute the charges and send me a new card by the time i get back to NY. i went back to my hotel and found out that my bag was stolen from my room. i called hotel security but they didn't take any serious action. they didn't even speak English. i lost my jewelry, camera, laptop and more valuables in a different country. was heart broken and came back to NY, and after 3  months i saw the Credit card company put the charges back, and i asked them for the necessary documents of those Unauthorized charges, and didn't get any feedback. i am not in a position to pay for something that i didnt Authorize. the interest are adding up and in 2 years this is hurting my credit. i have always paid my bills on time. and paid off everything and always had a great credit score and reputation. and now my reputation is ruined. i cant start a business nor buy a home, for something that i didnt do. please help me. please ... 
best regards XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STERLING JEWELERS, INC.
State: TX

Complaint narrative:
The information being reported on my credit report is incorrect and the debt does not belong to me. Amongst my many attempts to resolve this issue with the proceeding companies, no progress has been made in lieu of providing the proper documentation, bearing my signature, proving my involvement with the debt being reported. Any negative mark found on my credit reports ( including XXXX XXXX XXXX XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA and FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
In XX/XX/2017 I filed a non-asset Bankruptcy where my home mortgage was not included. 
I have made payment on time to my lender for life of the loan 9 years. 
Mr. Copper/ Nationstar had my account marked as active BK and will not change the reporting. This is blocking me from accessing any credit. I have been told by many creditors they will not lend until the mortgage is out of BK. I have a recent decline letter from XXXX XXXX. 
I have made 6 inquiries with Mr. Copper over three years and they said I have to refile and reopen my BK case then reaffirm the account. My BK attorney has advice me ( in writing ) that the district in CA where my BK was filed does not grant reaffirmation on home mortgages. I have also filed multiple disputes with all credit reporting agencies who have contacted Mr. Copper and determined they would not change my reporting. 
My credit reporting code is 17 - no liability. I need this to change to discharged/closed - no late payments. I will never be able to access credit with a 17 code. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: CA

Complaint narrative:
Hi, I have filed a dispute for a charge on my statement in the amount of {$930.00} on XX/XX/2020 for a merchant who is not responding. 

I have called Citi cards  on probably 15 different occasions with no resolution on the dispute because there is no one available to help. 

I understand the Covid situation but come on. There is a limit to how unresponsive a bank can be. 

Best, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 
XXXX {$390.00} XXXX XXXX {$460.00} XXXX {$10000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 
XXXX {$390.00} XXXX  XXXX {$460.00} XXXX {$10000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 
XXXX {$390.00} XXXX XXXX {$460.00} XXXX {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Direct Recovery Services, LLC
State: NY

Complaint narrative:
I had an account with XXXX I paid this account off. I have called and they said I dont owe anything. Now Direct Recovery Services is calling saying I owe them money. They bout my debt. I dont have any. 


They are very rude and saying they are going to take me to court and sue me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: Firstsource Business Process Services, LLC
State: FL

Complaint narrative:
REMEDY : DELETION OF SAID ITEM AND PAYMENT OF INVOICE DUE TO FCRA VIOLATIONS for Damage of Reputation, Pain & Suffering, Harassment, Violation of Privacy, Selling of Private information without my written permission, Telephone Harassment ( over 10 phone calls after asked to refrain ) {$100000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I AM A VICTIM OF AN IDENTITY THEFT, AND I HAVE SUBMITTED ALL MY NOTARIZED DOCUMENTS TO BMW FINANCIAL SERVICES AND TO XXXX. I AM CONSUMER WHO IS A VICTIM OF AN IDENTITY THEFT, I HAVE NEVER REQUESTED OR WANTED TO BUY A CAR FROM BMW FINANCIAL SERVICES. I HAVE NEVER DRIVEN A BMW, THIS ACCOUNT IS NOT MINE, IT WAS NEVER MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: MN

Complaint narrative:
On XX/XX/XXXX I requested a payoff amount for my loan, I am in bankruptcy so there is already hoops to jump through. On XX/XX/XXXX the person I called said it was faxed to the closing attorney. I called the closing Attorney and they said that they have not received a fax. I called back on Tuesday the XXXX and they said it takes 24 hours for it to upload and be in their system to re fax it. I called back on the XXXX and they said it takes 3 more hours, still nothing, called back again and they said the same thing. Same thing happened on the XXXX, called a couple times as well. Called today XX/XX/XXXX and they said it takes 10 days to get the payoff amount. I told them they said it should take 24 hours and the guy said no it takes 10 days. I asked to speak to supervisor and the original guy hung up on me. I called back requested supervisor and she said nothing was submitted at all!! She then said she would escalate this and submit it ASAP and I should get the payoff next week. This could cost me the sale of my house taken this long to process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
REMEDY : DELETION OF SAID ITEM AND PAYMENT OF INVOICE DUE TO FCRA VIOLATIONS for Damage of Reputation, Pain & Suffering, Harassment, Violation of Privacy, Selling of Private information without my written permission, Telephone Harassment ( over 10 phone calls after asked to refrain ) {$100000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: LA

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. XXXX {$1200.00} XXXX {$590.00} XXXX {$2400.00} XXXX {$520.00} XXXX {$130.00} XXXX {$130.00} XXXX {$490.00} USDEPEDXXXX {$7400.00} XXXX USDEPEDXXXX  {$2100.00} XXXX {$60.00} USDEPEDXXXX {$9500.00} FEDLOANXXXX {$3500.00} FEDLAON XXXX {$5500.00} XXXX {$18000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I noticed by logging onto the Citibank Home Depot website today that my balance had gone up substantially. I had not noticed that back in the XXXX statement that they had added {$420.00} in deferred interest fees on a 2 year no interest special. My total amount was under {$900.00} of purchases with Home Depot, and I had been making regular monthly payments of {$28.00} per month. I did not realize that the special was ending in XXXX this year because I was too preocccupied with having been let go from my job in XXXX ( terminated )  and have been trying to deal with finding another job. I didnt pay attention to the credit balance on this card, but I would have paid off the card if n XXXX which only had about {$180.00} left had I realized back then. I called Citibank-HomeDepot credit agency today, and just got off the phone with a manager who said that they had 20 days from the interest charge that they could have done something. I asked is there any other way to escalate this dispute and come to a resolution and he did not offer any solution. I am now contacting the CFPB for help on this matter to see if CFPB can persuade for a resolution which would be preferably that I pay of the full principle amount as of XXXX with no interest fees, since it was obvious to anyone with a brain that I would not have done a 2  year no interest special just to have to pay $ 400+ in interest!

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 2020-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: PA

Complaint narrative:
This complaint is in regards to XXXX, XXXX, and XXXX, XXXX XXXX XXXX XXXX   XXXX XXXX, PA XXXX XXXX who are representing Discover Bank as a debt collector. In a hearing held on XX/XX/XXXX, XXXX, XXXX, and XXXX agreed to settle the debt for {$2600.00} with {$1100.00} paid from a XXXX XXXX transfer leaving a total of {$1500.00}. We were then advised to make monthly payments of XXXX dollars per month that increased to XXXX dollars per month beginning XX/XX/XXXX. We have been sending money monthly and while not always able to pay the XXXX per month we have diligently sent in a payment of at least {$50.00} every month. Since this judgment, I have paid a total of XXXX, which should leave a balance of {$500.00} at this time. I received a letter from XXXX, XXXX, and XXXX dated XX/XX/XXXX that outlined the judgement, the amount owed, the amount payed, and the remaining balance of XXXX. In this letter there is no mention whatsoever of additional interest and fees. After missing a payment in XXXX of XXXX due to loss of employment from the XXXX XXXX, we received a letter from XXXX, XXXX and XXXX dated XXXX, XXXX with a noted balance due of XXXX. Seeing this balance, which is more than the agreed upon settlement, led me to call XXXX, XXXX, and XXXX. I spoke with a representative on Monday XX/XX/XXXX who informed me that we were being charged interest and there were also court fees in the amount of XXXX applied to our balance. The representative was not able to provide me with a balance as a start number from in XXXX of XXXX. I was led to believe that number was the agreed upon settlement balance of XXXX. 

Not only did XXXX, XXXX, and XXXX not act in good faith but they deliberately set us up for failure of repaying this debt. While we have been making payments each month the total has been increasing unbeknownst to us. The total is now almost double what we originally owed, and while we thought we were close to paying off our debt we are now even further in debt. We have never received any type of statement from XXXX, XXXX, and XXXX demonstrating our payments, informing us of the interest applied to the amount, and that the balance has continuously gone up due to the interest or whatever other fees have been applied without our knowledge. We feel we are owed at least an adjustment to our balance accordingly due to XXXX, XXXX, and XXXX not acting in good faith and being deliberately obscure with and withholding the details of our repayment. 

Thank you for your time and consideration of this matter. 

XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: Meridian Financial Services, Inc.
State: IL

Complaint narrative:
The same day our meeting with XXXX XXXX in XXXX XXXX we were informed, XXXX XXXX was a scam and to cancel immediately. I contacted an attorney and the XXXX XXXX XXXX in XXXX XXXX that same day of our meeting and was told I had 24 hours to cancel and how to cancel which I did. Enclosed you will find copies of the paperwork, which was notarized, stating we canceled this purchased within 24 hours of the transaction, and I personally gave to XXXX XXXX XXXX XXXX XXXX, the very next morning, less than 24 hours. They accepted the paperwork. However, they also did not refund our money back. We had paid them {$8000.00} cash. 
When I received a call from a collection agency, I explained ( like Im doing now ) what had happened. They told me I had done everything properly and they would not contact me anymore, which they did not. Now were trying to qualify for a mortgage, but this popped up and so did my XXXX XXXX. We had been scammed. It was placed on our credit XX/XX/2015. Its bad enough we lost {$8000.00}, but our credit too? I've included attachments showing proof of our cancellation.

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 2020-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Conn's, Inc.
State: TX

Complaint narrative:
Received a call stating I owed a balance and I have never bought anything at Conns. They would not give me anymore information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I would like to connect my pnc account with my XXXX  account to transfer money to my family and friends

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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 AM A VICTIM OF AN IDENTITY THEFT, AND I HAVE SUBMITTED ALL MY NOTARIZED DOCUMENTS TO XXXX XXXX SERVICES AND TO EQUIFAX. I AM CONSUMER WHO IS A VICTIM OF AN IDENTITY THEFT, I HAVE NEVER REQUESTED OR WANTED TO BUY A CAR FROM XXXX XXXX SERVICES. I HAVE NEVER DRIVEN A XXXX, THIS ACCOUNT IS NOT MINE, IT WAS NEVER MINE.

Company response to consumer: Closed with explanation