vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
CAINE & WEINER is a debt collector pursuant to 15 USC1692a ( 6 ) ,15 USC1681n, and 73 p.s. 2270.1 et seq. XXXX XXXX is a consumer as that term is defined in 15 USC1692a ( 3 ), 15 USC1681, and 73 p.s. 2270.1 et seq. CAINE & WEINER is not a creditor, and I have not applied for, neither received any services or credit with their particular agency. Additionally I have noticed that they obtained my consumer credit report. I never gave them permission to obtain my personal credit file and unless they can verify this account is valid by producing the original agreement with my signature, this account is also erroneous. Therefore their intrusion in my personal credit file while trying to collect on erroneous account constitutes a willful and negligent violation of 15 USC1681q which would also be a criminal offense ( felony ) punishable under Title 18USC, the penalty being a fine and or two years imprisonment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: IL

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX transferred account to XXXX XXXX. XXXX is reporting account is closed. I did no close this account. I should no be penalized with the lost of 79 points on my credit profile Transunion, XXXX  and XXXX. This transfer has left a negative status on my credit profile and is hurting my future credit opportunities and has kept my score in the negative.

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 2021-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX transferred account to XXXX XXXX. XXXX is reporting account is closed. I did no close this account. I should no be penalized with the lost of 79 points on my credit profile XXXX, Equifax and XXXX. This transfer has left a negative status on my credit profile and is hurting my future credit opportunities and has kept my score in the negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX transferred account to XXXX XXXX. XXXX is reporting account is closed. I did no close this account. I should no be penalized with the lost of 79 points on my credit profile XXXX, XXXX  and Experian. This transfer has left a negative status on my credit profile and is hurting my future credit opportunities and has kept my score in the negative.

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 2021-05-19 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: The Bureaus, Inc.
State: DC

Complaint narrative:
If what they stated is true? If they are reporting then they need to remove the other collection its reporting by one company and this company is trying to collect for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: PA

Complaint narrative:
I am writing to delete the following information in my file .The items i need deleted are listed in the report. i am a victim of identity theft and did not make the charge .I ask that the items be deleted to correct my credit report. i reported the theft of my identity to the Federal Trade commission and i also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit Please delete items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
Description : I opened an account online with Crypto.com a few months ago. Its under XXXX. Made electronic. ACH deposits from my XXXX XXXX to crypto.com. Purchased BTC and etherium. I have sold positions into their XXXX XXXX. I was shocked when I could only Transfer out back to my XXXX XXXX just {$5000.00} daily limit. I still have roughly {$12000.00} still and received an email from crypto stating I violated their rules and locked me out of my account. Ive sent over 20 emails, chatting on their computer help chat line. No access at all as of Wednesday XX/XX/21. Ive emailed them as I said over and over. Many times. No help. They do not have a phone # to call. Please help me get the {$12000.00} returned to my checking account ASAP Thank you. XXXX XXXX ( 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 non-monetary relief
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Consultants of California
State: TX

Complaint narrative:
On XX/XX/XXXX I was taken to the XXXX XXXX room. We were told it was a county hospital and where I should go for financial reason since I was UNEMPLOYED with NO MEDICAL INSURANCE and I was on pandemic unemployment. I suspected that I have XXXX / XXXX virus as I was very ill and having difficulty breathing. The Emergency room doctor here ran extremely expensive test, most of which were unnecessary, like a XXXX test even though I informed him that I have had NO XXXX since I was XXXX years old. He ran illegal XXXX XXXX  all of which were negative. They even had a XXXX  office read test and they too sent me a separate bill for this visit. There is also yet another, 3rd bill coming to me from XXXX XXXX XXXX group for this same visit. Thousands of dollars I have been charged just to go to the emergency room to make sure I did not have COVID. All I needed was to have XXXX ruled out, simple. I was there not even an hour. 
I called and called their billing department, never getting an answer for MONTHS, I left voice mail messages begging them to call me about these bills. I finally had one person call me and instruct me to send all my financials and income tax returns for the year prior, XXXX which was when I had a job. So they based the hardship assistance I was pleading with them to give me for these bills on a year of income that was long GONE and not the year of XXXX I was currently in and unemployed in for most of the year. 
I even went online a couple of months ago and paid a {$20.00} payment to the XXXX XXXX payment portal just to show I was trying to come up with something until they could grant me hardship assistance. Now they have turned me over to a collection agency, with out any notice of my status of hardship assistance determination. I have this showing up on my credit bureaus which is crippling to me as I start to try to rebuild my life after a year of very little employment. I can not rent an apartment or get a car loan with this collection on my bureaus, and it is NOT ethical that they have placed this account for collections anyway after I have been trying to reach them AND made a payment to them in the midst of this until we figured out what to do with financial aid and hardship determination based on REAL numbers and income, not my XXXX year of income before the PANDEMIC. I am, and always was, more than willing to make payments to this hospital if they would call me back and please speak with me to set up a payment plan and in the meantime, take this account out of collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I noticed on my credit report that it states an address that I never lived, nor ever heard of. The address is : 1 XXXX XXXX, XXXX XXXX XX/XX/2020 I have sent several letters to XXXX, Transunion, and XXXX upon me noticing this fraudulent address and they have ignored my request and never removed the address. I also sent them my identity and a utility bill to let them know my correct address. I am afraid I may become a victim of identity theft with this address on my file.

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 2021-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have not initiated any transaction with SYNCB/CARE CREDIT Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with SYNCB/CARE CREDIT for review or collection.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-19 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Starting 90 days ago I reached out to equifax to advise them that per my consumer reports that they were in violation of many of my federal consumer rights. They continued to respond to me with a response that their information Was verified and accurate. I tried again 60 days Ago and 30 days as above and yet and still They provided me the same reason which you can see for your self per exhibit A -D, Fact the fcra is a federal law that regulates the collection of consumers credit information and access to their credit reports it was passed in 1970 to address fairness, accuracy and privacy of the consumers. 
Fact per proof on exhibit A -D that equifax is in violation of 15 usc 1681b ( a ) ( 2 ). Permissible purpose. I never Provided equifax with written consent to report anything on my consumer report/ file. When there is no consent that is identity theft. 

Fact per proof attachment labeled exhibit A -D that equifax is in violation of 15 usc 1681a ( 2 ) ( i ), as myself the original creditor defined by congress only I can Validate a debt and I do Not validate this debt. 

Fact per attachment exhibit A -D equifax is also in violation of 15 usc 1681a ( 2 ) ( b ) which the law that any authorization or approval of a specific extension of credit directly or indirectly by the issuers of a credit card or similar device. Equifax stated that they verified This item, but that is not true, Im the original Creditor Im which I Unable to extend credit to myself. 
Per fcra civil liability for willful complaniance per 15usc 1681n ( a ) 2 ( I ) federally consumer laws were violated and the due amount to me is {$18000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX of 2021 XXXX XXXX closed my checking account that ends in XXXX. 
As of today, XX/XX/XXXX of 2021 the funds have not been received by me that were in that account. 
I have been told numerous times on the phone that is 5 to 10 days to receive the check I have called numerous times to every number I was given by BMOHarris to try to get an answer for this and they continue to Stonewall me. 
This is intolerable, this is totally unprofessional.

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 2021-05-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
hello this complaint is with pay pal this account was closed months ago because of a dispute over un approved freight charges of {$1500.00} and 25 + orders never delivered from XXXX.

there was a investigation by pay pal as they paid these charges, they only FOUND4 items that were not shipped and returned the charge back to paypal. " THE REPORTED ITEMS WERE A EXAMPLE OF THE BUSINESS '' repeatedly tried to get a return for the amount listed and the undelivered items. It appears that this is a date was falls represented as the investigation. next the company has closed the account and still charging me amounts. this is not right. the account has been turned over to a debt consolidation company. when they will began the proceedings my account will have to be payments to them has to increased for them to work on it. enclosed is a copy of last statement from them. i mean no harm or insult and offered to pay rest off after the refunded money and items were delivered. they did not correct the issue. this all began XX/XX/2019 please and thank you

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 2021-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
My Capital One credit card was paid off on XX/XX/2021. When I checked my balance, after it was paid, it showed a {$0.00}, balance with {$0.00}, due. 

Today I received an email stating that I owed {$23.00}. When I called Capital One, I was ultimately told that they would not remove the balance because it was " interest. '' When I asked why my balance went from {$0.00}, to {$23.00}, when I had made no charges on the card, they said it was " daily interest '' and it would NOT be removed. 

When a statement is sent out to a customer, and paid in full, it's unfair and not right that additional interest is charged. I know it's only {$23.00}, and it's not the money, it's the principle of the matter. I took my time to call in, and was treated very unfairly. I've been a Capital One customer for a number of years and DO NOT appreciate the way I was treated on the telephone. I want the charges reversed for this alleged " interest. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Quall Cardot LLP
State: CA

Complaint narrative:
i do not owe XXXX any money.. i do not have no contract with this company..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Unauthorized credit inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
i do not owe cavalry any money.. i do not have no contract with this company..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax is reporting 4 derogatory accounts on my credit report with no creditor lkistged. I am unable to send out validation request because i am unaware who is reporting these accounts or if these accounts belong to me. I have sent 2 disputes letters to equifax since XXXX asking them to investigate these accounts and i have yet to receive a written response or see any updates on my credit report. 

Equifax unverifiable accounts- XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: VA

Complaint narrative:
I have sent out several dispute letter to transunion on several occasions and made them aware that they were in violation of several of my consumer rights. they steady sent me documents stating that the information was verified and accurate. i sent a dispute letter first to them 90 days ago, again 60 days ago and again 30 days ago. 
Fact, Fair Credit Reporting Act is federal law that regulates the collection of consumers ' credit information and access to their credit reports. It was passed in 1970 to address the fairness, accuracy, and privacy of the personal information contained in the files of the credit reporting agencies.

Fact, has proof as seen in attachment labeled EXHIBIT A. That Transunion is in violation of 15 USC 1681b ( a ) ( 2 ). Permissible purpose. I never provided Transunion with written consent to report anything on my consumer report/file. When there is no consent that is identity theft.

Fact, proof per attachment labeled Exhibit A, that Transunion is in violation of 15 usc 1681a ( 2 ) ( i ), as myself the original creditor defined by congress only, I can validate a debt and I do not
validate this debt.

Fact, has proof in attachment labeled Exhibit A, that Transunion is in violation of 15 usc 1681a ( 2 ) ( b ) which the law states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Transunion stated they verified this item, but that makes no sense as I am the original creditor in which I am unable to extend credit to myself.

Fact, the FCRA states that civil liability for willful noncompliance, per 15 usc 1681n ( a ) ( 2 ) ( i ). Well Transunion Transunion violated the federally protected consumer rights. That is the amount of {$3000.00} that I am due.

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 2021-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I applied for a XXXX  gas credit card through XXXX XXXX  on XX/XX/21. I was denied, reason applicant is deceased. I assure you that I am not dead. A hard inquiry was listed on my credit report which I dont understand since XXXX XXXX  told me Im deceased. I called XXXX XXXX  and spoke to both them and their XXXX services department. Neither could give me an explanation on why I was listed as deceased. They told me to contact the three major reporting agencies. I contacted XXXX. After several hours on the phone they told me nothing in my file indicated that I was deceased. Next I tried to contact XXXX. Their automated prompts doesnt have an option for my particular issue and it is impossible to speak to a live person. 

Can someone please get to the bottom of this? I want to know where XXXX XXXX  got their information since they could not provide me with an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I applied for a XXXX  gas credit card through XXXX XXXX  on XX/XX/21. I was denied, reason applicant is deceased. I assure you that I am not dead. A hard inquiry was listed on my credit report which I dont understand since XXXX XXXX  told me Im deceased. I called XXXX XXXX and spoke to both them and their XXXX services department. Neither could give me an explanation on why I was listed as deceased. They told me to contact the three major reporting agencies. I contacted XXXX. After several hours on the phone they told me nothing in my file indicated that I was deceased. Next I tried to contact Experian. Their automated prompts doesnt have an option for my particular issue and it is impossible to speak to a live person. 

Can someone please get to the bottom of this? I want to know where XXXX XXXX  got their information since they could not provide me with an answer.

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