vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-17 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: PA

Complaint narrative:
My wallet was stolen this past XXXX XXXXand I called PayPal about it the closed my account and all my stimulus and stuff are on there they saying I can't have my money they closed it after the refunded me the money and I can't even get the tax credit they giving right now I'm losing my place cause I can't even pay rent they have all my money it's around XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: CA

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: CA

Complaint narrative:
I filed a dispute regarding the debt to XXXX, XXXX, and XXXX. I submitted the cashed money order as proof of payment and should be removed from my credit report. It was removed and then re-reported. I submitted proof of payment to IQ Data International Inc at the following address XXXX XXXX XXXX XXXX, WA XXXX and IQ Data International XXXX XXXX  XXXX XXXX, WA XXXX which is the collection company that purchased the XXXX account. It has been over 30 days and months of issuing letters and it is still being reported incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: MO

Complaint narrative:
I am in a forbearance period and with my VA loan I am to be allowed 18 months of forebearance as per CFCB PNC bank wants to end this the end of XXXX I need to have my full 18 months ( end XX/XX/XXXX ) to finish the work we are performing on our home to be able to sell it. They are refusing to grant me my last month of XXXX forbearance. I was never late on a payment until COVID hit snd I lost my job. We just need these additional 4 weeks in XXXX. 
Please grant me my full 18 months as VA states I qualify for.Our home has plenty of equity. We are in our late XXXX and need the extra monies that will come from the sale of our home for retirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Brewer's Quality Homes, Inc.
State: LA

Complaint narrative:
I ordered a mobile through Brewer Quality Homes XXXX XXXX Louisiana. XX/XX/2021 I was told I had to sign my mortgage loan papers SIGHT UNSEEN, so I was told, so that the Permits could be released for the trailer could be transported & so that the loan or interest rates expire. Once the trailer was set up is when my mortgage payments started which was approximately XX/XX/2021. Once I was able to see the inside it was a disaster!! I notified XXXX XXXX of the condition that the trailer was in, they would not back up the due at all. As of todays date XXXX XXXX We are still not in this poorly crafted trailer. The mortgage company is in with the dealership & are just worried about when will I be making my payment! I continue to pay my mortgage in good faith. I have asked numerous times for a breakdown with a dollar figure on every and everything that I will be paying for for 30 years. XXXX XXXX & XXXX continue to send the spec sheet which only explains what is in the trailer! I included the utilities, so how much are these charges? It slipped through the cracks the the trailer was XXXX, but I was charged over a XXXX plus, so what am I being charged for, XXXX in account for! 
Fraud, misrepresentation, bait & switch, just a few of what Im dealing with, not to mention taking advantage of a handicap person & my customer rights according to the Frank Dodd Act. Very disappointing to know that customers like me & so many others are being taken advantage of by these two companies! I have been thrown to the wolves!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I attempted to dispute a credit card billing charge with the company on XX/XX/2021. The company investigated the claim and required me to attach a receipt or any sales documentation. The dispute was about the charges of a subscription-based vendor. The only receipt given to me was upon the start of the subscription. 

The subscription had a promotional offer new customers " credits ''. Originally, the charge should have been {$7.00}, but the vendor charged me {$47.00}. After contacting the vendor 's representative, I disputed the charge with the company. The amount in dispute is {$39.00}. 

The company replied that I needed " A copy of a sales receipt ( s ) or any documentation you may have that shows you were charged the incorrect amount. '' I have no such documentation because the vendor did not provide any such document at the time of service. I also explained my case to a company representative, who also tried to re-open my claim. The claim was again denied due to a demand of an incorrect amount receipt. 

The company requires a receipt showing the incorrect amount. However, the receipt given by the vendor does not include any credit from promotional offers. The vendor can essentially bait people with promotional offers and avoid consequences from the company. The company would not investigate further without a receipt of an " incorrect amount ''.

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 2021-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-18 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/2021 I wrote each credit bureau to dispute negative items to date they are in violation due to them not responding within the 30 days time frame. I explain in my letter that I will pursuit legal matters

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: IL

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: AL

Complaint narrative:
After carefully reviewing my credit report I noticed several inquires to companies that I have not applied for or have ever done business with listed on my credit report. I contacted the credit bureaus & they did nothing to assist. I have attached an identity theft report to this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I have contacted Synchrony Bank ( Amazon Store Card ) department and informed them that I have since settled the account with their third party debt collector XXXX XXXX XXXX XXXX Synchrony refused to take the paid receipt attached to this complaint and has yet to remove/update the account accordingly.

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 2021-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I opened up a Chase Total Checking account online XX/XX/2021. Within 15 minutes of opening the account, it was locked for suspicious activity. I went to the branch the next day, brought my two forms of ID, sat down with a banker and was on the phone for about an hour. At first, the issue was because I used a XXXX and my geographical location was elsewhere compared to my home address. I work inXX/XX/XXXXso I secure my devices. That's fine, the account was unlocked after verifying and I was good to go. On XX/XX/XXXX, I opened up four savings accounts online to separate funds for budgeting purposes and had around {$5800.00} split between them. XX/XX/2021, my account gets locked out again. I called Fraud, they said I need to bring my social security card, drivers license, and proof of address. I went to the branch that same day to be in person, the banker called Fraud, and they said the same thing to the banker, I need those three forms of ID. I went back XX/XX/XXXX with THREE forms of proof of address, my drivers license, concealed license, social security, and PASSPORT, that wasn't sufficient enough. I was told then and there that the account was being closed, and they wouldn't provide a reason. I asked the banker if I could get my money and just go open an account at another bank ( since I was already tired of the situation ), they said I had to wait 10 business days for a check to then be mailed out. I was also told after that, I was allowed to open a new checking account there in the branch with two forms of ID. How does that make ANY sense? I went back to work but wanted to still find out WHY my accounts were being closed. I called Fraud again and the lady wouldn't tell me why it was being closed other then they needed to verify my ID. She then said everything I previously provided wasn't good enough and tried saying a notarized letter from my parents ( I live with them and they own the house ) saying I'm actually living there and am there child should suffice, as well as trying to give a bank statement from another bank. I called the branch again and said I would email a bank statement from XXXX XXXX XXXX. I did just that, they got on the phone with Fraud, and they allowed me to withdraw all of my funds but still wouldn't tell me any details. I want an answer as to why all of this occurred. I don't feel it's right to do all of this and give no reason at all. And was the credit card I had with Chase for several years now closed? A card I always paid in full every month?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FinCo Services Inc DBA Current
State: AL

Complaint narrative:
I was locked out of my account. I could only withdraw with my debit card. Contacted current bank. They cancelled my cards and reissued new ones to someone else. I thought my unemployment had ended only to find out it hadn't. They started emailing a fake email letting someone else know that my deposits went in this started in XXXX. On the XXXX I got in touch with them and had to send in the many unauthorized transaction numbers and they never responded after. This cost me thousands of dollars during the pandemic. I couldn't get my taxes or stimulus money because I was a victim of identity theft through this virtual wallet. It takes months to get a response from current and unemployment. Needless to say these people assisted some strangers in stealing my identity and still I haven't gotten a dime of my money back or a response to this day. I haven't gotten my identity under control either because of it.i can't get current bank to return my calls. The people who stole my identity have ruined my credit. I can't even open a bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: CA

Complaint narrative:
My child was seen at a hospital XXXX  XXXX XXXX XXXX in XXXX he was seen numerous times before. My son had insurance XXXX and I have proof that he was insured. The hospital did not bill his insurance even after I called with information when they tried to bill me privately. Instead they sold my information to bill collectors and did not resolve. I have disputed multiple companies that are trying to collect this charge and now I have two companies on my report for the same thing. This should have been dropped from my report. I should have filed a grievance thru my insurance and maybe they would have been forced to bill my sons insurance and therefore I wouldnt be dealing with harassment from AARGON agency XXXX XXXX  XXXX. XXXX XXXX OPENED TWO COLLECTIONS AGAINST ME.

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 2021-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation
State: IL

Complaint narrative:
In XXXX, Fortiva closed my credit account ( ending in XXXX ) without notification. They continued to charge a {$12.00} monthly fee. According to the account agreement, this fee would be charged in any month during which their was a balance on the account. There was a balance on the account until earlier this year XXXX XXXX ). On XX/XX/XXXX, the balance of the account was paid off and stood at {$0.00}. 

In early XXXX, XXXX I received a text message from Fortiva saying that my credit card payment was past due. I logged on and noticed that Fortiva had added a {$12.00} fee to my account for XXXX, XXXX and XXXX. These fees are not included in the cardholder agreement, since there is not a balance on the account. I called Fortiva Customer Service, and asked them to ensure the account is closed and to remove the fees totaling {$37.00}. The fees were removed, but now, over a week later, I logged on and I see that the {$12.00} fee for XXXX has been re-applied to my account and this account is now officially a zombie.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation