vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-03 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:
On XX/XX/XXXX, this person claimed that these goods will be sold after payment via PayPal. This person is a fraud and needs to be shut down so that he/ she can not do this again to others. He stole {$600.00} through paypal from me and disappeared with no more response by email and XXXX. Face storefront on XXXX called XXXX XXXX. 

Email : XXXX Thank you. 

you can reach me at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 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: MI

Complaint narrative:
I am writing to delete the following inaccurate, contradictory information in my file. 

I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 

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 the items as soon as possible as it is hindering my abilities as I'm trying to advance in my life & you guys are not following the laws like the FCRA 609 section by reporting 100 % accurate information on all three bureaus!.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Early of this year, I have sent totally {$300000.00} to XXXX in XXXX XXXX ( the XXXX and XXXX XXXX  XXXX XXXX ) for investment on different dates. It was turned out the whole investment thing is a fraud. I have reported my case to my local police department ( XXXX, OH ) in XX/XX/2021 ( case number XXXX ). I have also reported my case to FBI, and the Huntington back back in XX/XX/2021. I have reported the case to XXXX XXXX Police Department in XX/XX/2021 too. So far, I have heard some news from XXXX XXXX Police department, and told me that there were some money in one fraudulent account in XXXX. 

Since I have reported my fraud case to the Huntington bank, I have tried to call them and sent email to them multiple times, however, no one has responded. It seems that this fraud has never happened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: OKX INC.

Complaint narrative:
I sent XXXX cyrptocoin ( {$940.00} ) to Okcoin exchange company on XXXX, the money did not go to my account and when I spoke to the support team they said that it was not credited to my account because I did not enter the memo code, then I sent the documents they requested and they did not deposit my money into my account with similar answers as we are working on it, even though I have asked many times. However, as they also accept, the money is transferred to the main account of Okcoin company, not to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has violated my consumer rights. They will not remove or fix a XXXX XXXX account from my consumer file that shows a wrong date of last activity. They are infringing on my consumer right to privacy, I did not give them permission to publish this on my consumer report, they do not reinvestigate my consumer report to make sure the information is correct like congress said they had to and they are being unwillful in complying.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 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: NC

Complaint narrative:
id thief using my credit history to take over my good credit repot and score cant get to dispute centers on because thief has locked me out of them shows only 5 same accounts on all 3 credit reports is taking names off transunion report to just one name when i do business with 2 other legal variations of my name that i use for applying for credit has changed passwords numerous times which locks me out completely then i have take more time to mail information to credit bureaus while the id thief can quickly do them online i dont get any satisfaction to my complaints only more whittled down credit reports

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 2021-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
Received a phone bill from XXXX, stating that I owed XXXX in XX/XX/2021. Never had an XXXX account nor any of my family memebers. Called the customer service, the customer service representative told me not to worry about it without further explanation and just hung up the phone. On XX/XX/2021, I received a debt collection agency noticed that the debt is owed.

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 2021-10-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has violated my consumer rights. They will not remove or fix a XXXX account from my consumer file that shows a wrong date of last activity. They are infringing on my consumer right to privacy, I did not give them permission to publish this on my consumer report, they do not reinvestigate my consumer report to make sure the information is correct like congress said they had to and they are being unwillful in complying.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
XX/XX/2021 I mailed an affidavit of truth, exhibits of violation, invoice and notary presentment to Santander Consumer USA. Santander has failed to remedy me for their fraudulent activity in connection to my consumer credit transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I have tried to contact XXXX  and debt collector Porfolio Recovery Associates and the debt is still showing debt and open., other bureaus are not showing this debt. I do not owe this debt and never had it. It needs to be removed immediately! Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Experian wont allow me to view my credit score or access the account. i've contacted there technical support team several times with no resolution. im unable to dispute or view their credit errors and ive reached out to them and requested them to fix for months.

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 2021-10-03 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
delete the following inaccurate, contradictory information in my file. am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 


The items Listed are against your guidelines and break multiple laws under the Fcra like section ( A ) 609 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 the items as soon as possible

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 2021-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
This complain is a continuation of the previous complain. 

The last complain number is as follow : CFPB Complain ID : XXXX-XXXX  Capital One CID : XXXX With the last response, Capital One only said what is happen. The Capital One have not solve the problem, and still hold money in Capital One account. 

Capital One asked XXXX get money back. The check maker spoke with her bank - XXXX many times, but XXXX doesn't want to do anything with the case. XXXX said the check is real, the check 's signature is true, and the check has already cashed 8-9 months, they couldn't get money back. 

Now this case is a circle. Capital One ask XXXX get the money back. And XXXX doesn't think any problem with the check and ask us have Capital One solve the problem. 

So I require Capital One send money back to my account or send to check maker 's account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 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: LA

Complaint narrative:
Transunion is reporting inaccurate public record information.They failed to do a proper investigation.They said that they validating this. I went to the court the court said they don't validate or report to any credit bureaus. Here is my letter from the court but yet the credit bureau is still stating this information as accurate

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 2021-10-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has violated my consumer rights. They will not remove or fix a XXXX XXXX XXXX account from my consumer file that shows a wrong date of last activity. They are infringing on my consumer right to privacy, I did not give them permission to publish this on my consumer report, they do not reinvestigate my consumer report to make sure the information is correct like congress said they had to and they are being unwillful in complying.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
delete the following inaccurate, contradictory information in my file. am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 


The items Listed are against your guidelines and break multiple laws under the Fcra like section ( A ) 609 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 the items as soon as possible

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 2021-10-03 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: MI

Complaint narrative:
delete the following inaccurate, contradictory information in my file. am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 


The items Listed are against your guidelines and break multiple laws under the Fcra like section ( A ) 609 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 the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: CITIBANK, N.A.
State: OH

Complaint narrative:
Hello, On XXXX XXXX I made an online purchase at XXXX in the amount of {$450.00}. After a week or so I had not received anything and checked the website. The website had disappeared from the internet. I immediately called my Best Buy Visa to report suspected fraud. They cancelled the card indicated I was not liable for the amount and took the {$450.00} charge off my balance. Later after two letters from Best Buy Visa they indicated that the investigation indicated there was no fraud and recharged my account the {$450.00}. I have the confirmation of the order that XXXX sent me but nothing ever arrived and it would appear the site was a fake site. I am angered as I did everything I was supposed to do in this situation. Thanks for your help.

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 2021-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
XX/XX/XXXX  I mailed an affidavit of truth, exhibits of violations, invoice and notary presentment to XXXX XXXX XXXX a division of BMW Financial Services NA , LLC. This company is in violation of selling and transferring my information in connection to my consumer credit transaction without my direct consent. Failed to provide me remedy for the fraudulent activity connected to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 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: FL

Complaint narrative:
Consumer paid the account in full and was given a deletion to pay letter from XXXX XXXX XXXX XXXX XXXX. This was paid on XX/XX/2021 and to date it still on consumer report. I'm demanding this account to be taken off IMMEDIATLEY! 

Attached below is the letter the consumer received from XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has violated my consumer rights. They will not remove or fix a XXXX XXXX XXXX  account from my consumer file that shows a wrong date of last activity. They are infringing on my consumer right to privacy, I did not give them permission to publish this on my consumer report, they do not reinvestigate my consumer report to make sure the information is correct like congress said they had to and they are being unwillful in complying.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 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: ALCHRO INC.
State: FL

Complaint narrative:
Consumer paid the account in full and was given a deletion to pay letter from First Federal Credit & Collection. This was paid on XX/XX/2021 and to date it still on consumer report. I'm demanding this account to be taken off IMMEDIATLEY!

Attached below is the letter the consumer received from First Federal Credit & Collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Someone opened an account with Regions Bank. and had an ACH from FEMA for {$9000.00} deposited into it. then another ACH out of the account for {$8600.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/21 I checked my Bank of America checking/savings accounts and noticed a large sum of money missing. Upon further review, I found someone had gained access to my banking information, logged onto my account and transferred money from my Savings account to my Checking/Debit account. Next using XXXX, they transferred money to themselves in 10 separate transactions. An additional 2 transactions occurred via XXXX where they transferred more funds. A total of {$3900.00} was stolen from me. I reported this immediately to Bank of America and they froze my accounts so no further transactions could occur. They were able to interrupt 2 of the XXXX transactions that had not yet gone through, so {$880.00} was recovered and put back into my account bringing my total loss to {$3000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In 2017, credit cards and files were stolen for identity theft, false pretenses, forgery and fraud by a XXXX XXXX XXXX. The cards were XXXX XXXX and XXXX among others. The forgery was with XXXX XXXX XXXX XXXX. In addition, Experian did not have my permissible permission to give out my credit report to XXXX XXXX XXXX XXXX for the forged loan. I filed the attached sheriffs report in 2017 against XXXX XXXX XXXX and was supplemented as reflected in attached supplement. Also attached is a Judgement of Conviction which the thief and forger, XXXX XXXX XXXX, plead guilty and mentioned my name and card on page 4 of this legal document. The bottom of page 4, also references the fraudulent claim I had filed.

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 2021-10-03 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
id thief using my credit history to take over my good credit repot and score cant get to dispute centers on because thief has locked me out of them shows only 5 same accounts on all 3 credit reports is taking names off XXXX report to just one name when i do business with 2 other legal variations of my name that i use for applying for credit has changed passwords numerous times which locks me out completely then i have take more time to mail information to credit bureaus while the id thief can quickly do them online i dont get any satisfaction to my complaints only more whittled down credit reports

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 2021-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I've received a response stating they need more than 30days to investiage.

Company response to consumer: Closed with explanation