vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I made a purchase on XXXX in XXXX of XXXX. It was for a preorder of a figure by XXXX called XXXX XXXX. It is item number XXXX and is in the amount of {$180.00}. So the products of XXXX are always in high demand, and they sell out very quickly. I trusted this seller due to a positive feedback rating of 98 % with over XXXX transactions. I had no reason to question my purchase, until I got scammed by this seller. I have waited for such a long time for this item to release and now that it finally has, the seller says he doesnt have it and wants me to wait for more to be produced. I contacted the manufacturer myself and he said that they will not produce more for atleast another year. So, I asked for a refund, which he told me he would give me, but I have yet to see it. I have included conversations of our messages during this time to prove that I still havent received the item. I have contacted XXXX, and they refuse to help me since Im no longer in their 30 day protection window. PayPal also refused to help me, saying that Im past their 180 day protection window as well. I even called them on XX/XX/XXXX and spoke with two people as well as a manager. They refused to help me knowing that I never received the item that I preordered. I feel that because of my unique circumstances stances of being a preorder, I should be protected regardless of their policy which doesnt mention preorders. Bottom line is that I never received the product I paid for and both companies have let me down in a big way. I have been a loyal customer for 15 years and this is how they treat me. My last hope was to communicate with this seller, but he knows he already has my money, so he doesnt have to send me anything. He is a seller from XXXX named djfungshing and Ive been finding out from people online that theyve been ripped off by this guy since he was under another name called XXXX XXXX as well. The PayPal representatives even admitted that theyve had complaints about this guy, but couldnt do anything about it. I just hope that you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear CFPB, I pulled my report recently, and I notice inaccurate information reported by Experian regarding a Charge Off account XXXX XXXX # XXXX. This account was charged off in XXXX and closed. 

Experian violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because it shows Balance {$8.00}. A Charge Off/Close Account must show {$0.00} balance. 

2. Delete this account, because it shows a Past Due Amount {$8.00} and a Charge Off/Close Account must show {$0.00} Past Due. 

3. Delete this account, because it shows Payment History reported consecutively as NEGATIVE in XXXX XXXX ; XX/XX/XXXX ; 30 days late payment XX/XX/XXXX ; 30 days late payments in XXXX ; 30 days late payment in XXXX ; 60 days late payment in XX/XX/XXXX ; 90 days late payments in XX/XX/XXXX ; Including XXXX and XX/XX/XXXX year reported Negative A Charge Off/Close Account must show NO Payment history or consecutively as N reported on my credit report. 

Please delete this account, and send me a new report. 

I need to apply for a mortgage in 2 months and this is an urgent matter. 

I have attached my Experian Credit Report and circled the violations, Experian violated in red color. 

Experian must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. 

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting 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 2020-10-18 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: FL

Complaint narrative:
The following account ( XXXX XXXX ) belongs to someone with the same or similar name. Please delete this account.

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 2020-10-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: V and H Portfolio
State: FL

Complaint narrative:
On XXXX XXXX this complainant contacted the collection department for the check cashing store and spoke with the its collection department. I told the Collection department that a collection debt appeared on my credit reports for an unpaid loan. At that time they confirmed that I had paid all previous loans and that no loans or instalment loans were due or owed a that time. They concluded by stating that they were removing my number from being forwarded to their department. 

Vance & Hoffman LLC have caused damage to my credit report woith this erroneous debt, failed to provide any communication about the existence of the debt, which indicates that the failure to validate with proper notice about the alleged deb tin a timely manner prior to reporting the debt. By self admission, th failed to notify this complainant ; law office failed to notify this complainant within the required five days after the initial communication with a consumer in connection with the collection of the debt. The debt collector has the obligation to send the consumer a written notice containing the amount of the debt ; a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
XX/XX/2020 Maryland Bank of America Pre-paid Card application kept kicking me out whenever I tried to make an transfer-to-account transaction. All the information was correct. Called the Bank of America pre-paid customer service number XXXX. 
Was advised that card was closed not flagged by Maryland Dept of Labor, but by the bank. Verified all the information and security questions without hesitation, but because my mailing address was not of a Maryland. My residential address is but I've since became homeless, so I'm staying with relatives in FL. If Maryland finally approved my benefits after 7 long months of waiting now to be discriminated against by an agent for me to call Maryland unemployment which is known for not responding nor answering calls due to overwhelming claimants in the state currently. I was able to contact one agent from Maryland unemployment whom advised that if the state didn't hold the payment then it is the banking institute to allow usage within guidelines. But before the agent could get all my information the line disconnected.

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 2020-10-18 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: WI

Complaint narrative:
I am wondering why on more than one occasion I have applied for a loan and have received multiple hard hits on my reports when they are for the same loan and suppose to count as one hit and are counted as up to as many as 7 hard hits.I don't understand how it is ok for them to put people 's credit in the trash like that.The end of last year for a refinance is one occasion and even had the same bank count as I believe 4 hits on each report for a loan.Most recently I bought a truck last month and took 7 hits on one report alone.

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 2020-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: DE

Complaint narrative:
Debt is not mine and was dropped from my credit report due to invalid information by another debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear CFPB, I pulled my report recently, and I notice inaccurate information reported by TRANSUNION regarding a Charge Off account XXXX XXXX # XXXX. This account was charged off in XXXX and closed. 

TRANSUNION violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because it shows Balance {$8.00} and a High Balance of {$18000.00}. A Charge Off/Close Account must show {$0.00} balance.

2. Delete this account, because it shows a Past Due Amount {$8.00} and a Charge Off/Close Account must show {$0.00} Past Due.

3. Delete this account, because it shows Payment History reported consecutively as Charge Offs - C/O in XXXX XXXX ; XXXXfull XX/XX/XXXX year ; full XX/XX/XXXX year ; 30 days late payment XX/XX/XXXX ; 30 days late payments in XX/XX/XXXX ; 60 days late payment in XX/XX/XXXX ; 90 days late payments in XX/XX/XXXX ; 60 days late payment XX/XX/XXXX. A Charge Off/Close Account must show NO Payment history or consecutively as C/O reported on my credit report. 

Please delete this account, and send me a new report. 

I need to apply for a mortgage in 2 months and this is an urgent matter. 

I have attached my TRANSUNION Credit Report and circled the violations, TRANSUNION violated in red color. 

TRANSUNION must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company.

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting 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 2020-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NY

Complaint narrative:
there were fraud charges and discover closed my ACCOUNT not my card, and my credit history was reset.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 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: GA

Complaint narrative:
Equifax did not properly investigate an account on my credit profile for XXXX XXXX, XXXX this is not my account and I have never had an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have a second mortgage account with PHH load servicing. I received a billing statement for the month of XXXX that showed {$0.00} due, and my account was then updated to show a payment due of {$350.00}. I attempted to make this payment multiple times via phone and email and their systems would not allow me to make the payment. I finally reached an agent on XX/XX/XXXX and they told me that my loan had matured and I couldnt make the payment that their systems communicated to me as due, but must pay the balance due. Additionally, they told me that they would have to request a payoff quote, which they processed and I didnt not receive until XX/XX/XXXX, nearly 3 weeks later. I will be wiring them the funds tomorrow, XX/XX/XXXX. My account was reported past due to credit agencies last week significantly impacting my score after not missing a payment on this account for the full 15 years of its existence. I am incredibly disappointed in the servicers communications, innacurate billing statements, and flat out refusal to help resolve the issue. I was even told by an agent at PHH on XX/XX/XXXX that my accoint WOULD NOT be reported as pst due as they wouldnt accept my payment. I am attaching a copy of the dashboard stating the payment due that they would not allow me to make.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I currently and have had for the last ten years a Capital One 360 checking account which advertises a 0.50 % APY on all balances. The actual interest rate is 0.005 %. I have contacted the bank multiple times regarding this and have been given numerous excuses and invalid explanations. 
The bank advertises a much higher rate than is being paid in their T.V. ads, on their Billboards, direct mail flyers and website. This is very deceitful and misleading towards consumers and should be corrected immediately. All checking and savings accounts included a legally binding contract between the bank and the consumer which can be enforced in any court by any judge and this is a breach of any such contract. 
Consumers should be aware of this because they can invest their money in other places including other banks that will pay the promised rate. The bank should be more honest, forthcoming and transparent with its customers and consumers ( not just the criminals and their affiliates ) and this behavior should not be tolerated because it opens the door to criminal activity and bank fraud both internally from the bank and externally from its affiliates. 
This complaint is supplemental to numerous other complaints which I have filed against Capital One and other banks as a violation of the Sherman Act, Antitrust laws, and consumer privacy and protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I received a call from a representative from CONVERGENT OUTSOURCING onXX/XX/2020 about the collection of outstanding debt from XXXX. I spoke with the representative from CONVERGENT OUTSOURCING and came to an agreement that I would pay the balance with the condition of a pay to delete. The representative from CONVERGENT OUTSOURCING agreed and paid the debt immediately on my XXXX XXXX. 

Below I have attached a screenshot where the balance shows {$0.00} dollars. 

I have reached out to CONVERGENT OUTSOURCING numerous times trying to remedy the issue. I have opened disputes with the credit reporting agencies ( XXXX   and 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 2020-10-18 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am wondering why on more than one occasion I have applied for a loan and have received multiple hard hits on my reports when they are for the same loan and suppose to count as one hit and are counted as up to as many as 7 hard hits.I don't understand how it is ok for them to put people 's credit in the trash like that.The end of last year for a refinance is one occasion and even had the same bank count as I believe 4 hits on each report for a loan.Most recently I bought a truck last month and took 7 hits on one report alone.

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 2020-10-18 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: LA

Complaint narrative:
This company is still reporting a public records on my file that aren't mine. I have sent them a letter directly from the bankruptcy courts showing that they aren't mine and I have also filed an FTC identity theft report showing this same information and they still refuse to properly take the right steps for victims of identity theft and that is given to me under federal laws due to the FCRA.

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 2020-10-18 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: NJ

Complaint narrative:
I have unathorized accounts on my credit report. According to the fcra any unathorized items on my report must be removed if not 100 % accurate and verifiable. Please remove from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 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: GA

Complaint narrative:
Transunion did not investigte an account on my credit profile for Dept Of EDXXXX, U S DEPT. OF EDUCATION/XXXX, and XXXX XXXX XXXX this is not my account and I hv never hd an account with them.

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 2020-10-18 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account.

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 2020-10-18 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: NJ

Complaint narrative:
I have unathorized accounts on my credit report. According to the fcra any unathorized items on my report must be removed if not 100 % accurate and verifiable. Please remove from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
On my credit report there is a collection agency trying to collect a debt i have no knowledge of i have never signed a contract with them nor any of there affiliates

Company response to consumer: Closed with explanation