vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was behind on two payments but even though I was behind, they were still deducting a payment from my checking account each month. I called the company to pay the {$250.00} I was told I was behind on and which is also on my credit report and the representative told me that I owed them over {$1000.00}. After several minutes of trying to get her to explain to me why I had to pay over {$1000.00}, the rep told me to hold on while she updated my account, hung up on me and never called back. My monthly payment for this loan was {$110.00} every two weeks and payments were taken out of my checking account up until the month of XXXX which you see they started reporting it as late for three months, XXXX, XXXX and XXXX. I am able to provide you with my bank statement showing these payments were deducted from my checking account up until XXXX of this year.

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 2021-07-01 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: MI

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report that is preventing me from getting a house. As of this day that I am filing this complaint, over 45 days later, I have yet to receive a response. While I understand with the current state of things that the bureaus may be understaffed and overburdened with request. However I do not feel like that is the case here, I feel like I am being taken advantage of and being ignored of my disputes.

These inaccurate and unknown things on my credit report are preventing me from providing decent living conditions for my family as Im trying to buy a home. In Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will be looking to file for litigation due to the stress you have caused me and my family. Furthermore, my information was also impacted by the Equifax data breach and may have gotten into the hands of someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
XX/XX/XXXX - Was required to use the service as part of a hard inquiry for a car loan. I agreed to pay the {$1.00} fee. I then went to their site, created an account, and requested the subscription be cancelled. No response. 

XXXX - My card was charged {$24.00} despite my cancellation request. I then went into the account, deleted my payment method, and unenrolled from the service. It said that it went through. 

XX/XX/XXXX - My card was charged {$24.00} for a second month, despite my prior attempts to cancel the subscription and delete the payment method. I then tried to access my account, and it first said I needed a security code. It did not come for half an hour. In the mean time, I tried accessing my account again through " forget my password, '' it asked a security question. I gave the answer I used when I set up the account, and it said that it was incorrect. I then put it in again, and it failed. Thus, my account was locked/disabled. I then got the security code, and it further disabled my account. I then went and called customer service, and was on hold for an hour. Then it disconnected. There is no way to access my account in order to cancel the subscription and my account. They charged me twice for a service I cancelled.

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 monetary relief
Consumer complaint received 2021-07-01 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: TN

Complaint narrative:
Per Venmo online FAQs, to close an account, you access your account go to settings then choose a link that says " Close my Venmo Account. '' I have tried this numerous times over the past month from various devices connected to high speed internet. All that happens is a " loading screen '' pops up. It never actually loads, so I can't actually close my account and have my banking information removed from this service. I have no outstanding transactions and I no longer wish for my information to be on the internet. 

I used the Venmo " Contact Us '' page to email a description of my problem. I got response from ( presumably ) a robot telling me how to delete the app and reinstall it, which is useless, as per Venmo FAQs, one can not delete an account from the app, only from the desktop browser. 

I replied to that response, clarifying that I had followed the Venmo instructions regarding how to close an account but have been unable to close my account. I clarified that information about the app is not helpful and the real problem is the broken link on the website. 

The Venmo rponse to my reply was to again send me instructions to go to my account, settings and choose the link the close my account. There seems to be a willful failure to address the issue, which still exists because I can not close my account. This also does not seem to be something that would be broken only for me. It seems they have disabled the ability to close an Venmo account, in violation of their own terms of service, and surely some law as well. 

I just want to close my account and scrub my banking information from their servers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-01 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I sent a letter to Chexsystems pertaining to an account from capital one that does not belong to me on XX/XX/2021. I've sent multiple letters to them over the course of 6 months and have not receive a response. They refuse to look into this issue or even respond. Chexsystems is inaccurately reporting misinformation on my report, and it needs to be FIXED.

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 2021-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
Okay I've been a coinbase customer for 5+ years but rarely use them because their fees are about three times higher than anyone else. But they sent me an offer to set up recurring buys to receive XXXX bucks in free crypto. So unfortunately I was tempted and accepted the offer. I was supposed to be paid my XXXX dollar bonus after my second successful recurring buy of XXXX  or more dollars. Well that was a month ago and I sent an email to support which btw you can't do in the app without it restarting your ticket when you go to verify your email at the end. So for a company that focuses on new and cutting edge technology it's kind of pathetic that they can't even make their support work properly. So then I sent the email successfully and waited 4 weeks with no response. I have since submitted another ticket with no response as well. To say I was disappointed with this company 's shady unethical and illegal actions would be an utter understatement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
Please see all of the documentation attached. The original creditor is XXXX XXXXXXXX, the collection agency is LVNV Funding C/O Resurgent Capital Services. 

I was a victim of identity theft and I have been dealing with this matter since XXXX of XXXX. I filed a police report as requested by XXXX XXXX since the debt did not belong to me. The police report is attached. 

I went through the entire verification process and XXXX XXXX sent me a letter stating : " Thank you for contacting XXXX XXXX XXXX On XX/XX/XXXX, we received your police report. Based on the information received, we are holding you not responsible for the current balance on the above-referenced account. We have submitted a request to remove this tradeline from the consumer reporting agencies. Please allow the agencies approximately 60 days to update their records. lf you have additional questions, please call our Fraud lnvestigations Department at XXXX between XXXX XXXX. and XXXXXXXX XXXX, Monday through Friday ( Pacific Time ). '' PLEASE SEE ATTACHMENT NO. 4 According to my credit profile, LVNV was deleted from my credit profile on XXXX XXXX, XXXX. They are the collection company who purchased the debt from XXXX XXXX where I was a victim of identity theft. This account was added back to my credit profile on XX/XX/XXXX, and it decreased my credit store significantly. 

I have made several attempts and asked all three bureaus along with LVNV to remove this from my credit profile and also sending relevant documentst that this does not belong to me and they have refused to remove it from my credit profile. The reinserting a debt that had been previously verified as not belonging to me and deleted violates my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I called Equifax to try and get some help with some inquiries that were stated to be removed initially, but are still on my credit report. You sent me results of your investigation stating that the following inquires were deleted, yet two still remain on my credit file. The lady over the phone refused to help me over the phone and told me that the inquiries were valid. How does this make sense? The results of my investigation said they were supposed to be deleted. Most of the inquiries were removed but two that were stated to be deleted still remain my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Someone stole my identity and opened many accounts without my permission or authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TekCollect Inc.
State: IA

Complaint narrative:
As of today, I have received 4 strikes against my credit by TekCollect Inc, and yet have never received a notice that I owed anything to them. I have never received an email, letter, or to my knowledge a phone call ( unless they are number spoofing ) about any debt owed to them or any debt owed to other that they have acquired and are attempting to collect. 

I attempted to call them, and their number answering service for people trying to reach them about debt collection automatically indicates that the caller can not contact that number and then disconnects the call. I have no way to leave a message or to reach an agent to resolve the situation. 

I also believe that the use of aggressive and abusive credit strikes rather than contacting the person they are trying to collect against is a violation of consumer protections. I have received a strike on XX/XX/XXXX, XXXX, and XXXX of XXXX, again with no prior contact and no way to contact them to remedy the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: GA

Complaint narrative:
I called Transunion over the phone about a fraudulent inquiry, from XXXX XXXX XXXX, they refused to look into this issue. The lady over the phone was very rude and told me that I wasn't a victim of fraud.

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 2021-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: VA

Complaint narrative:
I refinanced the mortgage with XXXX XXXX. 

They initially placed my mortgage loan to the servicer calledXXXX XXXX XXXXXXXX XXXX. 

My mortgage was then later bought by XXXX XXXX and my loan servicer became Home Point Financial. There was one mortgage payment I made on XX/XX/XXXX to XXXX  XXXX XXXX. My mortgage was then fully transferred to the Home Point Financial on XX/XX/XXXX. 

I could not see the payment I made with XXXX XXXXXXXX XXXX reflected with the Home Point financial. I contacted XXXX XXXXXXXX XXXX via phone call yesterday, XX/XX/XXXX. They Said my loan information was sent to the Home Point financial. I contacted the Home Point via phone call. The representative told me to send an email to their inbox with the payment history. I sent them the attachment as requested. I got the response today telling me to contact the previous servicer. 

I feel like there is nothing I can do when I contact both loan servicers. This is very stressful for me to locate the payment while both loan servicers are pushing me to other side.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: AZ

Complaint narrative:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: CA

Complaint narrative:
Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. 

Any other action ( or inaction ) on your behalf will result in a small claims action against your company.

I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC
State: MD

Complaint narrative:
On XX/XX/2021, i sent a dispute letter to the consumer reporting agency disputing an alleged debt by Jefferson Capital Systems. On XX/XX/2021 ( not within the 5 days 15 US code 1692g gives which is a violation ) i received a letter from Attorney at law XXXX XXXX stating that this is an attempt to collect a debt. After the consumer reporting agency failed to remove my dispute and stated the debt was verified i begun to research what verification methods were used to verify the alleged debt. Congress states the natural person has to verify a debt. Congress also states that in order to verify any debt interviews must be taken with family or neighbors, nothing on the list of validation has taken place therefore this alleged debt has not been verified. Pursuant 15 USC 1681b ( 2 ) permissible purpose which i have not given a written consent to furnish. On XX/XX/2021 i sent a letter regarding debt being alleged and that contacting myself via mail is a violation because you were never given consent. Since this charge off has been placed on my consumer report i have suffered living arrangement damages. As a consumer and natural person im aware my what my social security card and my birth certificate is. Jefferson Captial Systems has held an allege debt of {$3100.00} on my consumer report for atleast 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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:
This problem is with XXXX and Equifax. My information appears to have been mixed with someone whose SSN is one different from mine. I can not speak with a representative to get more information because while my information is listed on the report as the " previous name, '' my correct name is not the primary on the report. My score dropped by more than XXXX points because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have contacted MY CREDIT CARD COMPANY WHICH IS * Citi Bank* Every time I make a payment to my credit card they keep lowering my credit limit. Keeping my interest rate high and my payments at the maximum minimum payment offer..also it keeps getting my credit report and credit lowered points every month..since this start 4 months ago..I have gone from a credit score of XXXX down to XXXX in matter of 4 months..when I tried contacting them they stated they well reach out to the correct department and have my original credit limits set back to what they were ... they never changed anything..meanwhile I keep loosing my credit score..this is becoming a very hard financial burden. I understand they can change your credit limits but only when the client being myself have done something wrong or missed payments ... I have not missed a payment in more than 2 years..never missed a payment period ... yet citi bank has made me loose my credit score which I have valued and kept on a streak for so long doing the right thing payment my Bill 's on time..none the less they kept taking away every opportunity of me getting better..they keep checking my credit score and hurting my finances and financial record.. 

Please tell me I can have this stopped, fixed, or at least reversed? 

Anything?

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