vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: AZ

Complaint narrative:
Account Name : DISCOVERBANK Account Number : XXXX Date Opened : XX/XX/2004 Balance : {$0.00} Reason : Identity theft Please remove this from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FISERV FINXACT CORE
State: FL

Complaint narrative:
XXXX I also contacted clover which is my machine carrier for the way the merchant First Data has treated this situation and still yet have not heard back nor has the situation been resolved Subject : FIRST DATA MERCHANT ID XXXX I OPEN A MERCHANT ACCOUNT FOR MY SMALL BUSINESS I JUST STARTED AND WHEN ACCOUNT WAS OPEN SALES REP DID NOT ADVISED ME OF MY LIMITS I HAD SET ON THE ACCOUNT SO MY XXXX STARTED TO INCREASE AND FIRST DATA STOP PROCESSING ASK ME TO VERIFY SOME INFORMATION I WHICH I DID HOWEVER I HAD PRIOR OVER {$8000.00} THAT THEY WAS HOLDING I KEPT CALLING THEM WHICH WAS UNSUCCESSFUL I WAS TOLD TO LEAVE A MESSAGE WHICH I DID AS WELL AS SENT EMAILS!! NO REPLY I WAS THEN CONTACTED BY A REP WHO TOLD ME MY FUNDS WOULD BE RELEASE I 3DAYS EITHER WAY I WOULD GET A EMAIL HOWEVER NONE OF THAT HAPPEN I AM STILL AS OF YET RECEIVE MY MONEY WHICH IS VERY DISGUSTING ESPECIALLY FOR THIS TO BE A PROFESSIONAL COMPANY AND AS IM DOING MY RESEARCH I SEE THIS IS WHAT THEY DO HOLD PEOPLE MONEY AND DON'T SEND IT TO THEM EACH REP I SPOKE WITH ON EACH SIDE CLOVER ( OR FIRST DATA ) HAS BEEN UNPROFESSIONAL OR UNABLE TO TELL ME ANYTHING! 'M FILING A COMPLAINT TO SAY I NEED MY MONEY BACK THIS IS ABSURD TO BE TREATED THIS WAY ESPECIALLY SINCE FIRST DATA HANDLES MY OTHER MERCHANT ACCOUNT IN WHICH I'M LOOKING FOR ANOTHER MERCHANT AS WE SPEAK I CAN NOT AND WILL NOT DEAL WITH THE UNPROFESSIONAL! AND I FEEL I AM BEING DE-FRAUDED OUT Of my money

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 2021-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX, we cancelled a trip with XXXX. They immediately sent my refund to card ending in XXXX through XXXX. The issue is that the bank account that was associated with this debit card number had been closed for approximately 2 weeks. 

Ive been told by Bank of America in the 6-8 phone calls Ive made that the refund would not be accepted by Bank of America ; it would immediately be returned to XXXX. Bank of America did state they checked transaction records for that card approximately XX/XX/XXXX and no attempted transactions were recieived. 

Im caught in limbo with each place stating its the others fault. XXXX notified me this morning that a trace was out on these funds and it shows successful. A copy of that notification and transaction number are attached. 

Again the refund was from Airbnb for XXXX and was routed through XXXX to Bank of America on XX/XX/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 monetary relief
Consumer complaint received 2021-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Professional Services of NY, Ltd.
State: FL

Complaint narrative:
In XX/XX/XXXX i was approved for a business loan with XXXX. My XXXX shortly after tool a financial loss that resulted in closer due to damages from multiple natural disasters that took place between XXXX and XXXX. 

XXXX has been reporting on my credit reports as a collection debt and is now being reported as a new collection under a different company so it appears on my credit report as a double debt. 

I like to have this business debt removed from my personal credit report. 

This collection is causing it to be default to be approved for rental properties to live.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: PA

Complaint narrative:
I sent a letter to you disputing these items as erroneous and fraud on XX/XX/2021 and mailed them. I received notice in the mail that you received the dispute letter. It is now XX/XX/2021 and I have not received a response from you. You have not complied with the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ),

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: WA

Complaint narrative:
Explanation of complaint : Convergent Outsourcing Inc. is intentionally misrepresenting data in violation of the FCRA ( https : //www.ftc.gov/enforcement/statutes/fair-credit-reporting-act ). 
This is a clear violation of the law. 

Collection Agency ( COI ) Must supply all of the following documentation in an accurate and truthful manner. 

1. Original Contract 2. Pay Off Disclosure 3. Interest Rate Disclosure 4. Balance History 5. Payment History 6. Credit Insurance COI is fraudulently " re-aging '' debt for the purposes of damaging credit in attempts to manipulate and coerce consumers. ( What is re-aging and can it harm your credit report? Re-aging is the term used when a debts status changes in credit reports to make them appear as a new debt. Unless a financial institution is the one doing the re-aging process after a payment agreement has been established, neither the original creditor nor a debt collector can re-age a negative account. 

No matter how many times a delinquent account is transferred or sold from a debt collector to another, the date of first delinquency should not change. Doing so is a severe violation of the Fair Credit Reporting Act ( FCRA ). ) COI has been contacted regarding this matter and has been unresponsive.

I request assistance in requiring COI to adhere to legal and ethical requirements including : 1. Deletion of the derogatory entry in any and all future reporting to any and all credit reporting agencies. 
2. Supply me with all of the required documentation as required by FCRA listed above ( numbered 1-6 ) 3. Supply complete documentation regarding all entities with whom this collection action has been transmitted to so that correction and dispute actions may be completed.

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 2021-06-10 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I sent an initial letter on XXXX this year and sent a follow up email last XXXX but received no response from XXXX and TXXXX. I have sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure and negligence to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted punctually. I urge these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. 

They are in violation of Fair Debt Collection Practices Act because they did not prove validity of the debts, they failed to provide evidence to support ownership of the debt, they did not furnish the paperwork required to show 100 % proof that I own the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: CA

Complaint narrative:
I sent a letter to you disputing these items as erroneous and fraud on XX/XX/2021 and mailed them. I received notice in the mail that you received the dispute letter. It is now XX/XX/2021 and I have not received a response from you. You have not complied with the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ),

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Loan Center, Inc.
State: FL

Complaint narrative:
This ad is completely false. The rates advertised don't exist. Bait and switch adverstising.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Good morning. This situation has become absolutely unbearable. I've just checked my credit scores with Transunion and my score has gone down once again. This, despite the fact that I have a stellar payment history. At this point, you'll see by the screen cap of score fluctuation, I'm almost giving up hope with these people They've also reduced my credit history by one month - saying that my history is 8 months. In fact, my credit history goes back three years at this level I'm currently pursuing employment within the XXXX  field and because of this credit score it's making it difficult to approach any of the larger XXXX  or XXXX  firms. Not only that, my objective is to work within the XXXX  sector - there's absolutely no way that they'll employ me with credit score like this. Even though it's 100 % INACCURATE

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 2021-06-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: GA

Complaint narrative:
My Way2go card has an extra charge of XXXX cents after an ATM withdrawral, My credits are descending instead of increasing, and my account was charged extra amount of money. GDOL

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WV

Complaint narrative:
PayPal has informed me and this agency that my funds would be held 180 days. The 180 days is approaching on XXXX. My account balance in PayPal now shows {$0.00}. A debit was placed by PayPal on my account for entire amount. {$3700.00}. The transaction states payment to PayPal ; PayPal damages caused by acceptable use policy. This a fraudulent scheme in an attempt to steal funds belonging to me. I am needing a full refund ASAP. My 180 days is up. Time being of the essence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
This is a follow up to a previous filed complaint - XXXX Ally Financial 's response states they have no requests from me prior to XX/XX/XXXX to stop calls, however this is incorrect, as I have record ( as indicated in my initial complaint ) of speaking to an Ally representative on XX/XX/21, during which time I requested that their calls stop. Despite this request, I was called again on XX/XX/21. On that call, their agent indicated that she was showing my number had previously been added to Ally 's internal " do not call '' list, and she wasn't sure why I was being called again. 

The written response from Ally 's representative - " XXXX XXXX '' - also states, " If you have any questions, please contact me at XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, '' however when I attempt to contact XXXX at that number, I only reach a voicemail box. I've left a voicemail and attempted to call XXXX several times, yet I never receive any call back. 

Ally is misstating the facts surrounding my complaint, as well being non-responsive to my attempts to contact them, despite XXXX XXXX offering to answer any questions. These two points further bolster my position that Ally is not acting in good faith, and have violated the law. Once again, I am requesting that Ally compensate me in the amount of {$1000.00}.

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 2021-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A charge for {$29.00} that posted XX/XX/2020 on one of my accounts was not made by me, therefore I was not aware of the charge. I received no notification that I had a balance on my credit card XXXX the card was previously at {$0.00} XXXX from XXXX. The payment went 30 days delinquent in XXXX, which is how I found out about the charge in the first place. I paid down the balance to settle the account, thinking it was a membership fee until I investigated further and realized it was fraud. I have disputed this charge with Transunion and XXXX 3 times. Neither bureau has removed the derogatory mark from my report. My dispute with XXXX removed it on the first try, so their investigation obviously concluded the charge was fraud and verified my concern with the bank. 

With Transunion and XXXX being used so often by companies for credit checks, it is imperative that this inaccurate mark that has a massive impact on my credit score be removed immediately, for each bureau. It has already hampered my ability to attempt to consolidate my debt. These companies have a major responsibility to do better with so much power over ones financial health.

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 2021-06-10 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I sent an initial letter on XXXX this year and file FTC last XXXX and sent a follow up email last XXXX to the XXXX, but received no response. I have sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure and negligence to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted punctually. I urge these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. 

They are in violation of Fair Debt Collection Practices Act because they did not prove validity of the debts, they failed to provide evidence to support ownership of the debt, they did not furnish the paperwork required to show 100 % proof that I own the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
2nd Request - Noticeable 8 USC 1324C recognized : Consolidated Loan APPROVED in XX/XX/XXXX ... amount $ XXXX 14.54 % interest rate. However, NFCU 's calculation of 14.54 % interest rate is more of a 32.33 % interest rate. Total amount borrowed = {XXXX}. Monetary dollars PAID toward Consolidated Loan AS of this date, XX/XX/XXXX TOTAL {XXXX} [ XXXX XXXX XXXX ]. NFCU 'S fraudulent monetary dollar amount remaining to the PAID = XXXX}. HOW? A 14.54 % interest loan? Please REQUEST of NFCU to correct their 8 USC 1324c - Penalties for False Documents,, i.e., NFCU overcharged amortization. 

{XXXX} - {XXXX} = {XXXX} XXXX w/out added interest ) .... But, NFCU calculation reads {XXXX}. 

Please calculate@ 14.54 % interest to be {XXXX} ... NOT ... NOT {XXXX} [ per Promissory Note ]. Once recognized and calculated, NFCU was informed ; in turn, NFCU should have CORRECTED their error in calculations. 

I, XXXX XXXX XXXX, XXXX, should NOT be adding monetary dollars to someone else 's future college loan or savings account. Thanks to ALL in advance. 

Best Regards, XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Someone with my SS # opened a checking and savings account with TD Bank. It is frozen but I'm concerned about other accounts. I also had a hard inquiry on my credit report that I didn't do. 

Also, they opened it in my maiden name of XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
On XX/XX/2021, I had a conversation via XXXX with a local tattoo artist who was promoting their work. The tattoo artist messaged me and asked what I was looking to have done, explained the appointment process, we agreed on a date and time and he provided me with the address to the tattoo shop. I plugged the address into XXXX XXXX and confirmed that it was a valid address, 9.6 miles from my residence. He advised that there would be a deposit of {$250.00} to book the appointment, which is very common for tattoo shops to require deposits when booking appointments. I provided images of what kind of tattoo I was looking for and he confirmed price and that he would be able to do the work. He provided me with his CashApp username as XXXX XXXX  and advised me that once I sent the deposit to let him know so that he could begin sketching the tattoo. I sent the money using my CashApp account and advised him that the money had been sent. He continued messaging me asking questions about the tattoo and if I wanted him to come to my house as he does mobile tattoos also or if I wanted to head to the shop. I advised that I would feel more comfortable heading to the shop. I never heard from him again. 

Around XXXX that same evening, I received a direct message from someone on XXXX advising me to not do business with this person because her daughter was just scammed. She advised me that she noticed I had commented on one of the tattoo artists pictures and wanted to reach out to me to warn me that he was a scammer. She mentioned that he provided her daughter with a fictitious address, asked her for a {$100.00} deposit and then never messaged her daughter back once the money was sent. 

I reported his XXXX page as fraud, blocked him and reported his CashApp profile as a scam and reported the fraud. XXXX finally shut his account down but it seems his CashApp profile is still active. On XX/XX/2021, I received an e-mail from CashApp advising that the refund request had been declined because there was nothing they could do. CashApp has the ability to see how many times this person has been reported as a scam or fraud and should have shut this account down. CashApp also can see the routing and account information or debit card information as to where the funds are being deposited or cashed out to for this user, yet CashApp seems to not care and allow this type of fraud to continue to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
Per FCRA laws, due to multiple reporting innacuraccies, I am requesting that this account be removed from my credit report. On XX/XX/XXXX, I received a response from GM Financial referencing a request by me to present a contract that has my signature of authorization. The contract was forwarded to me through the CFPB portal. When comparing the document that GM Financial has presented to the credit entry on my credit file, I have noticed multiple innacuraccies and incorrect reporting. Theys also stated in the letter that they are providing accurate information per FCRA which is contrary to the evidence. 1. The contract states that this account was established as an Installment contract which is false. This was a retail credit contract through a dealership. 2. This is not my signature, and there is no ID attached to this document to compare my signatures to. 3. The address on the contract was not mine and I've never lived there ; had GM Financial conducted any kind of real investigation they would've recognized this. 4. You reported to XXXX 16 late payments on this credit entry,, while you report to XXXX  17 late payments. ( XXXX reports no late on XX/XX/XXXX, yet XXXX  reports as 30 days late in that same month of XX/XX/XXXX ). 5.You report a payment to XXXX  for XX/XX/XXXX but report no payment for XX/XX/XXXX to XXXX This is inaccurate, incorrect and an a serious FCRA reporting violation. Also, GM financial has reported the terms or number of payments on this account to XXXX and XXXX  as " 81 '' months, yet their contract states that the terms or number of payments is " 72 ''. I have factual based evidence that is attached to this complaint.

Company response to consumer: Closed with explanation