vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-12 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: SC

Complaint narrative:
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hey so its been past 30 days and i have not gotten accurate results about my auto loan dispute. The only response I've been getting is that its been verified. Well I want to know who verified it. By law in 30 days no result it needs to be remove

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: MI

Complaint narrative:
these collection accounts ( XXXX  XXXX -ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXX  ACCT # XXXX, XXXX XXXX XXXX XXXX ACCT # XXXX, MICHIGAN XXXX XXXX ACCT # XXXX, were removed off of one of my other credit reports because they came from identity theft with the original creditor. These collection agencies then turned and sold the debt to another collection agency, or listed the debt under another collection agency name then reported the accounts to the other two credit agencies which I know has to be illegal by law. Most of the accounts are the same just under different names

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 2021-04-12 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TMX Finance LLC
State: UT

Complaint narrative:
3 years ago i got a title loan from titlemax here in utah. After paying on faithfully for 2 years i refinanced the loan. After almost a year I noticed my balance always remained the same. i contacted the store manager and going over how much I had paid over the 3 years. I was offered a settlement and paid if off in full. That was over 6 months ago. I received a call today from their corporate office stating I owed {$4000.00} and they were going to reposes my vehicle. I was of course confused and then quickly agitated so I told the XXXX that " you can't reposes a vehicle I paid off and I have the title for ''. So he said he was going to call the local office. I hung up and I called the local office and was XXXX? Of course they were like yes your vehicle is paid via a settlement offer. So I called the regional office again just to be sure that the two were on the same page ... NOPE! Again I was asked why I was late and I still had a {$4000.00} balance due. I was now beyond XXXX off and asked why the same company did not have the documentation that had to go through corporate to be approved ( the settlement ). Again, she called the office a few minutes later claiming yes, it was paid off but she said it would have to be approved and updated by corporate. These morons are completely inept and try to get money from people who have paid their debt but using the " well we didn't know '' tactic. Your corporate, how the XXXX  you can you not know. This organization needs to be held accountable for fake collection practices and harassment of people who no longer even have accounts with them. this needs to STOP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: MI

Complaint narrative:
these collection accounts ( XXXX  XXXX  -ACCT # XXXX, XXXX ACCT # XXXX, XXXX  XXXX ACCT # XXXX, XXXX XXXX XXXX XXXX ACCT # XXXX, MICHIGAN XXXX XXXX ACCT # XXXX, were removed off of one of my other credit reports because they came from identity theft with the original creditor. These collection agencies then turned and sold the debt to another collection agency, or listed the debt under another collection agency name then reported the accounts to the other two credit agencies which I know has to be illegal by law. Most of the accounts are the same just under different names

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 2021-04-12 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 identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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:
Hello there and good morning, I am reaching out to you because last year back in XX/XX/2020, I was receiving some funds through Venmo for some good I was selling, I did transfer funds to my bank account twice and they were deducted from my digital wallet but the funds were not deposited into my bank account neither returned to my digital wallet, besides that, there was a total balance including these two transfers of {$3200.00}, Venmo decided to freeze my account and keep the funds for 180 days, as the time is due, I am still expecting my funds to get back to my account. but instead of that, Venmo did reverse a couple of payments and has awarded a dispute to another user to which I was never asked to show any evidence of the agreement made between these users and I. I have contacted Venmo regarding my funds because once they have unfrozen my account, there is a balance of {$37.00}, I asked them were my funds are at, they say I have to contact the customers because the funds were never in my account, i explained to them that if someone has disappeared the funds is Venmo because it's clear and there is evidence they were in my digital wallet and transferred to my bank account but they were deducted or transferred and never got back of managed to be transferred. I need to get help with this matter as it's been more that 180 days and they still not responsive at all I have bills unpaid and rent to be paid because of this delay. I have the transfers history of my digital wallet also as the conversations between the other users and I where they agree to transfer the funds to me. 

Look forward to hearing from you soon, Kind regards

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-12 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hi, I am currently overseas. Chase bank sent a letter to my home ( in XXXX I believe ) requesting that I send in an ssa-89 and w-9, in order to verify my social security information. Since I am overseas, I did not receive the letter. Chase bank then closed my two credit card accounts on XX/XX/XXXX, without warning me. They did not call me, send me a message via their site, or email me. My account was closed ( I did not realize ), and then my card was declined. I called up customer service to find out why my card was declined, and they informed that my account was closed because I did not send in the documentation they requested. After explaining that I was overseas and therefore did not receive the letter, they told me to send in the documents to them and that they would re-instate my accounts. I sent in the documents via fax, secure message, and mail, and since then they have not re-opened my accounts. I have spent numerous hours on the phone with different branches of their customer service and supervisors, and none of them have helped. They either say it's back office and they can't help, or that they're missing the documents ( while other representatives say they have them ). I have sent them messages, documents, faxes etc. for 5 weeks now, and yet they refuse to help, and my accounts are still closed. Not only did they leave me abroad without cards, and effectively take away all of my rewards points, they also ruined my credit score so I can't even apply for a new card right now. 

Thank you for your help, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Here is a timeline of my attempts to be refunded for a trip I booked to XXXX in XXXX. The trip was cancelled due to COVID-19 and the travel company went bankrupt. I've made multiple attempts to get my money refunded through my credit card company ( CapitalOne Visa ). 

1. Booked trip with XXXX for trip to XXXX ( did not include airfare ) and paid initial {$300.00} with Capital One Credit Card ( Visa ) Date : XX/XX/XXXX Planned Date for Trip : XX/XX/XXXX XXXX. Second payment of {$500.00} made to XXXX with XXXX XXXX XXXX Credit Card ( Visa ) Date : XX/XX/XXXX This amount was eventually refunded/credited by Visa/XXXX on XX/XX/XXXX XXXX. Final payment of {$1500.00} made to XXXX with CapitalOne Credit Card ( Visa ) Date : XX/XX/XXXX 4. Was notified on XX/XX/XXXX by XXXX that XX/XX/XXXX trip was cancelled ; I chose to rebook for the same trip in XX/XX/XXXX XXXX. I requested a refund on XX/XX/XXXX and was told that a that a credit was applied and I would get my refund 1 year from final payment date of my original booking 6. I received notification from FlashPack on XX/XX/XXXX that my trip was cancelled and I would need to apply for a refund - I had already done that in the previous step 7. I received notification from XXXX XXXX on XX/XX/XXXX that XXXX had gone into Administration and I needed to file a claim with my credit card company 8. I submitted original claim with Capital One in XXXX Case # XXXX 9. Received notification that Capital One needed more information on XX/XX/XXXX ; I mailed all supporting documents/emails to Capital One. Was notified via mail in XXXX that my claim was again denied because they needed more information. 

10. I tried contacting travel insurance company XXXX XXXX on XXXX via their website - I was not able to submit a claim form but the instructions on their site just put you in a loop that never takes you to a form. I also submitted a Help request form via their website and never received confirmation or a response 11. I submitted a 2nd request for help form on the XXXX XXXX site on XX/XX/XXXX and have not gotten any response or confirmation that my request was received. 

12. I re-mailed all of the content above to Capital One plus the addition of the attempt to contact the travel insurance company and was again informed my claim was denied. 

13. I contacted Capital One again via phone in XXXX and received a link to a secure portal to upload all of my documents for the claim. 

14. I submitted the full timeline above again and supporting documents to Capital One on XXXX per their request via a secure portal and again received notification that Capital One again denied my claim. 

Im at a loss for how to get my money back from XXXX or Capital One. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/2020 I was forced to shut my business down due to the COVID 19 virus, XXXX XXXX ( XXXX XXXX ) was deemed nonessential by our county commissioners that made their own decisions by an order left vaguely open by Governor XXXX orders to determine whom was essential and nonessential employees or industries. 
I didnt want to fall behind on a couple of credit cards with large balances. One being XXXX. I contacted XXXX and asked if they are offering any assistance so my account does not fall behind. The women I spoke with was through a call center. For what I could understand is yes they are offering a lower payment scale and it will keep my account current as long as it is drafted out of my account automatically on a day that works for me over an 8 month period so I choose the XXXX, my original due date has always been the XXXX of every month. My original payment was {$140.00}, and as you pay the balance down the payment goes down. The representative and I discussed and agreed to split the payment in half ( {$70.00} ). As months went on and dozens of phone calls to XXXX, certified mail demanding they fix the missed payments that were in fact made on time and impossible to be late as it was auto drafted monthly. Dozens of disputes and calls to XXXX, Transunion, and XXXX and XXXX, Ive gotten nowhere. 
Ive sent copies of my payments and a 609 letter to all 3 bureaus including XXXX with fail. Please please help me fix this problem. Im trying to buy a house and with these frivolous missed payments its really hurting my payment history.

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 2021-04-12 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: FL

Complaint narrative:
XX/XX/2020 I was forced to shut XXXX XXXX down due to the COVID 19 virus, XXXX XXXX ( XXXX XXXX ) was deemed nonessential by our county commissioners that made their own decisions by an order left vaguely open by Governor XXXX orders to determine whom was essential and nonessential employees or industries. 
I didnt want to fall behind on a couple of credit cards with large balances. One being XXXX. I contacted XXXX and asked if they are offering any assistance so my account does not fall behind. The women I spoke with was through a call center. For what I could understand is yes they are offering a lower payment scale and it will keep my account current as long as it is drafted out of my account automatically on a day that works for me over an 8 month period so I choose the XXXX, my original due date has always been the XXXX of every month. My original payment was {$140.00}, and as you pay the balance down the payment goes down. The representative and I discussed and agreed to split the payment in half ( {$70.00} ). As months went on and dozens of phone calls to XXXX, certified mail demanding they fix the missed payments that were in fact made on time and impossible to be late as it was auto drafted monthly. Dozens of disputes and calls to Equifax, XXXX, and XXXX and XXXX, Ive gotten nowhere. 
Ive sent copies of my payments and a 609 letter to all 3 bureaus including XXXX with fail. Please please help me fix this problem. Im trying to buy a house and with these frivolous missed payments its really hurting my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: MI

Complaint narrative:
these collection accounts ( XXXX XXXX -ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, were removed off of one of my other credit reports because they came from identity theft with the original creditor. These collection agencies then turned and sold the debt to another collection agency, or listed the debt under another collection agency name then reported the accounts to the other two credit agencies which I know has to be illegal by law. Most of the accounts are the same just under different names

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 2021-04-12 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:
Im very unhappy at the fact that there is inaccurate information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account. This is my fourth letter to your company. I know the FCBA allows me to dispute directly with the furnisher after disputing with you. You told me that you verified the account with the furnisher but they could not provide me with sufficient proof to back up their reporting. How can you verify if the furnisher could not? What information did you use to verify the account? Please give me a detailed list of what you used to verify the accounts at hand. That is my right and I would like to know what you did. The law is very clear on this issue, if it is unverifiable, then it must be deleted.

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 2021-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I tried transfering funds from my PNC checking account which I have used in the past. PNC blocked the transfer. There was no reason given by the PNC rep.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: CarMax, Inc.
State: IL

Complaint narrative:
CarMax is still reporting on my credit that my balance is past due. They sold the car on XX/XX/XXXX but reported me past due on the XXXX of XXXX. They are retaliating against me using my credit score it's hard enough for XXXX people to get things and then a corporation can just lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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:
Im very unhappy at the fact that there is inaccurate information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account. This is my fourth letter to your company. I know the FCBA allows me to dispute directly with the furnisher after disputing with you. You told me that you verified the account with the furnisher but they could not provide me with sufficient proof to back up their reporting. How can you verify if the furnisher could not? What information did you use to verify the account? Please give me a detailed list of what you used to verify the accounts at hand. That is my right and I would like to know what you did. The law is very clear on this issue, if it is unverifiable, then it must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Ria Envia, LLC
State: FL

Complaint narrative:
RIA money transfer which is a company that I used to send money internationally, is ILLEGALLY holding my money for no reason ; they asked me information in order to send X amount of money as usual, after a couple of hours I received a call from them asking me for more information in order to finish the transaction. I didnt have the information and I cant get that information. So I asked for my money back so I can resubmit the transfer with a different recipient. 
They said they need that information to finish the transaction or to return the money to me the sender. I understand they need more information Im guessing for security purpose but they should asked everything they need before the customer submit the transaction. We sometimes like in this case CANT get that information. And from my point of view they arbitrarily are keeping forever my money because I cant provide information that they missed asked in the first place. I dont have the money my recipient doesnt have the money and they ( RIA money transfer ) are stilling my money. I need help not for the amount of the transfer is to keep everyones money safe ; no matter the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I filed a dispute for unauthorized transactions to my capital one debit card. They are refusing to give me my money back when I didn't do any business with the merchants in question. I would like my money back. One claim is {$850.00} and another is {$1200.00}

Company response to consumer: Closed with explanation