vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: OK

Complaint narrative:
chime recently closed my account and had my ppp loan recently deposit there. they refuse to refund my money even though i sent all proof of documents to them when they asked. it's really frustrating because how am i going to pay a loan if i dont have the money. i kept emailing chime all week and they don't response, the last email i got from them stated they wont issue a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
At XXXX on XX/XX/2021 I tried to withdraw my money that I had on my cash app card. When trying to withdraw my money from the ATM, I kept receiving an error message. I immediately contacted cash app support team explaining to them that I was not able to withdraw my funds from an ATM nor at a grocery store cash back purchase. The representative told me to try again that it should work, it didn't. Again on XX/XX/2021 I reached out to cash app support and explained to them that I am not able to cash out funds by linking a debit card nor can I cash out by linking a bank account, every time I tried it gave me an error message saying failed to link bank or incorrect info. yet when I go on my banking app I am able to login so I expressed to the representative it is not the wrong information that Im entering and every time I try to link a government issued bank debit card or link my account and routing number it gives me a error message. The representative then tells me that unfortunately there is nothing that she can do as she gave me all the options I have and all I can do is try linking new banks and cards as the ones that I tried are not able to be linked to cash app and she can't override it. Long story short, I have been messaging and emailing cash app managers and representative about this issue since XX/XX/2021 and I have not been able to get my money off. I am not able to send or receive money because they closed my cash app account shortly after my complaints to them and told me that my account was in violation because I requested a refund. I am not able to transfer, receive, send, or cash out my funds.i have asked for a check to be mailed or for any help of any kind and I get the same message In response from their support team.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX Original Creditor : TX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX Original Creditor : TEXAS XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX Original Creditor : TEXAS XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX Original Creditor : TEXAS XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX Original Creditor : TEXAS XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: FL

Complaint narrative:
Someone open an account in 2017 in my name and it was open fraudulently I tried to get in contact with XXXX XXXX XXXX XXXX Bank at XXXX XXXX and writing them at their address at XXXX XXXX XXXX XXXX XXXX Utah XXXX ) about the secure credit card that was closed for {$66.00} due balance the account was open and XX/XX/2017 I did not open this account it was done against my will someone stole my identity I have an identity protection number from the IRS as a result please remove this account immediately as it was opened fraudulently. This has already been removed deleted as it has shown it was fraudulent off of my XXXX report I would like for this to be forwarded to Equifax so that this can be removed from my Equifax consumer report as it was opened fraudulently

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I tried to login to my TD Bank online account and it's still blocked. They require for me to go to the branch with covid-19 pandemic to witch I refused. I can do a video call and they said no. I don't want to meet with anyone since I have insufficient immune system and contact during pandemic is not good. I would like for them to unblock my online account and send me a new card or send me my funds via check and they are not helping me, it is very frustrating in this hard times for me and my family since we need food. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Torres Credit Services, Inc.
State: IL

Complaint narrative:
This company continues to attempt to collect two debts from me. one for {$1100.00} and the other for XXXX. Supposedly they are two accounts from XXXX XXXX that show the same dates of service. First, how is that even possible? Second, those are not my accounts. They took it off my report once and they now have come back again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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:
Hello PayPal closed my two accounts for my personal and business due to their mistakes. I have not been able to get resolution to this issue. We first submitted our beneficial owners account for review as requested back in XXXX and due to a website glitch on their end, they did not recognize that we had submitted it even though we have messages confirming we submitted it. We then, were limited because they said we had not submitted beneficial owners information. We then used my AP paypal account to handle while PayPal tried to rectify the issue. They then closed that account for circumventing their restrictions. Even though we were told it was ok and was an issue on their end. Additionally, in XXXX they limited out account for review and we submitted all requested information and they had a multitude of issues verifying tracking. We then finally got a to a manager and realized that we were using freight companies that they could not verify our account. We got that resolved but they unilaterally held over XXXX for 4 weeks due to their mistake. We then had our account limited on Wednesday after finally getting the funds released last week and paying and ordering a lot of items. We think that any issues we have had were directly caused by Paypal and the damages are incredible. No one has been able to help and now they closed our accounts and are holding funds. This is incredibly unfair to us and their clients. Please kindly help. my emails associated with this are XXXX and XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This identity theft issue has affected my ability to obtain any credit to financially take care of myself and my family.

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 2021-04-16 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: NJ

Complaint narrative:
This identity theft issue has affected my ability to obtain any credit to financially take care of myself and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX a payment was made XXXX {$150.00} cleared my account however not credited towards debt. 
XX/XX/XXXX I was made aware of the past due account and that XX/XX/XXXX payment had not been received. Spoke to collection group who was dismissive and stated it was my responsibility to reach out to customer service to resolve missing payment. Contacted customer service same day and after XXXX minutes of waiting on hold I hung up. Then submitted online billing dispute form reference # XXXX - to date XXXX resolution. Same day XX/XX/XXXX called customer service number provided remained on hold for just at XXXX minutes before being disconnected. 
From XXXX through XX/XX/XXXX there were a total of 6 calls to customer service and not once was I am able to speak to a customer service representative. 
On XX/XX/XXXX I logged on and submitted by first of five online messages through the TD Bank portal describing my issue and providing proof. Each submission was " resolved '' according to TD Bank within XXXX hours. I have since been blocked from access to my account online. And the only way to reset access is through the XXXX customer service line that no one answers. 
I finally submitted a written notice to them of the error on my account within my 60 day window on XX/XX/XXXX. I provided proof and a description of the issue. On XX/XX/XXXX they responded that they were still investigating. On XX/XX/XXXX almost 120 days after my letter and over 180 days from when my payment was made, I was notified they were unable to locate the payment. They continued to point out almost sarcastically, " Futhermore, due to short payment, a late fee totaling XXXX was assessed ... ''. They further stated it was my issue and if I still felt an error, I needed to provide further proof. At this point I am submitting a tracing of the funds although I doubt this will resolve the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RevMD Partners, LLC.
State: SC

Complaint narrative:
i have tried contacting XXXX XXXX numerous of times about false debts on my credit. these debts are affecting my credit and theses debts are not mine. they harrassed me and threated to put these debts on my credit even after explaining numerous of times these are inaccurate. They had a 3rd party to send me letters of balances and procedures that arent mine which i a violation of HIPPA as i did NOT give permission to give out any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: WA

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 2021-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I need to close my checking account XXXX current balance {$0.00} XXXX and tried to do so online and over BBT 's XXXX number but couldn't get through. I called my local branch and both the customer service representative and branch manager told me I would have to either come to the branch in person ( I don't feel safe doing so ) or to send in a notarized letter XXXX which costs money ). 

If BBT can open my account with online signatures, I should be able to close my account with online signatures or over the phone at the very least.

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 2021-04-16 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: LA

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: PA

Complaint narrative:
This identity theft issue XXXX someone else obtaining medical care ) has affected my ability to obtain substantial credit to provide for my family and myself.

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 2021-04-16 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:
This identity theft issue ( someone else obtaining medical care ) has affected my ability to obtain substantial credit to provide for my family and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Netspend Corporation
State: PA

Complaint narrative:
I received an alarming email from Netspend with the subject line " Action Needed for your Card. '' I did not, and have never, applied for a credit card with this company. I checked my credit report via XXXX and I do not see any recent inquiries, so either this ID theft that isn't showing on my credit report, or this is one of the most deceptive advertisements for a card I've ever seen. If it's just an advertisement, I would call this a XXXX violation. 

Please investigate potential ID theft. I am attaching the email I received.

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 2021-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Procollect received my utility account debt from XXXX XXXX. I contacted them to payoff the balance in full but prior to setting up an arrangement, I asked the collector, XXXX XXXX, at the time if this item would be removed from my credit report and she advised that it would be removed and to allow 30 days to see the deletion. I paid this account off on XX/XX/2020 and the item is still on my credit report. I tried contacting both Procollect and XXXX and was advised that I was misinformed but the debt will not be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: CA

Complaint narrative:
On or about XX/XX/2021 I filed a dispute with the credit bureaus XXXX XXXX and Transunion XXXX. I know that the law states that the creditors have 30-45 days to respond to any disputes. XXXX XXXX did not respond to either bureau. I would like for the credit bureaus to remove this information from my report in a timely manner. They have not done this.

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 2021-04-16 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: Avant Holding Company, Inc.
State: AZ

Complaint narrative:
I opened an Avant loan in XXXX for approximately {$6000.00}. The account was refinanced with a new balance of approximately {$9500.00} and all payments were made on time. In XXXX XXXX as the pandemic engulfed the world, Avant transferred my account to a special temporary program that would lower my payment from {$430.00} per month to {$210.00}. This new plan began in XX/XX/XXXX with an initial due date of XX/XX/XXXX. I set up an auto pay with XXXX XXXX and the check was sent on XX/XX/XXXX. Please see attached bank page. However, Avant cashed the check but did NOT apply it to my account correctly. I have confirmed information of the check being cashed on XX/XX/XXXX making it ON TIME! I have attempted repeatedly to have this corrected. I am additionally attaching emails that were sent to me by Avant that were intended for another customer named " XXXX '' as evidence that this company was perhaps confused with my account. I do not even know a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: MARINER FINANCE, LLC
State: KY

Complaint narrative:
Loan discharged in bankruptcy chapter XXXX, Bankruptcy XXXX XXXX XXXX Kentucky. Despite company being directly contacted by the court, as well as their attorney, and later contacting the company myself a second time, they have failed to remove a civil suit from the XXXX XXXX XXXX XXXX. This seems to be a continuing effort to intimidate and harrass as this suit is a public record. They are thumbing their nose at the Federal Court. Additionally it can be considered a continuing attempt to collect a debt which has been discharged on XX/XX/XXXX. 

This is my second complaint against this business. The first was caused by falsly accusing me of providing an nsf check which they then attributed to a mistake and not coercion. 

This business needs to be investigated for their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: WI

Complaint narrative:
On XX/XX/2021 I submitted a dispute to Equifax and they did not respond to my dispute as of today. I attempted to call however they do not answer the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: Financial Credit Network Inc
State: CA

Complaint narrative:
In XX/XX/2021 I reached out via letter to XXXX XXXX XXXX to resolve this account. They were unresponsive. I followed up again as a follow up in XX/XX/2021 to resolve this account. This company was unresponsive. Please remove this account as this company has been unresponsive and did not respond in the allotted 30 days. Please remove from my credit report.

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