vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: AZ

Complaint narrative:
I was a tenant of XXXX XXXX XXXX ( landlord ) at their apartment complex, XXXX, in XXXX, Arizona from XX/XX/XXXX to XX/XX/XXXX. After I moved out, XXXX XXXX sent me a damages sheet and damages charges in the amount of {$1500.00}. They also deducted my {$300.00} security deposit. I called XXXX XXXX to discuss the charges as are they were not in accordance with lease agreement and not reasonable. I even emailed XXXX, the property manager with the dispute. XXXX or any one from wealth management never responded to my emails. My account was sent to collections. Rent Recovery solutions called me to collect the debt. I explained it to them twice that I do not have a debt. There is a dispute on damages and security deposit. Rent Recovery ( debt collector ) called me several times and threatened me to report me to credit bureaus. I insisted that I have emailed/called XXXX XXXX and they never responded to my dispute and that I do not have any debt. Without my knowledge, Rent Recovery reported to credit bureaus with a derogatory charge. My credit dropped XXXX points from XXXX to XXXX. Due to the low credit, my lender rejected a loan that I had applied recently. Due to XXXX XXXX and Rent Recoveries wrong tactics and fraudulent charges, I have suffered XXXX XXXX and harassment. And my loan was denied due to low credit score when I have always maintained great credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information about my Inquiries was found in my Credit reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Here are the list of Inaquiries that are still reporting on my Credit Reportsand needs to Remove : XXXX Date of inquiry XX/XX/XXXX CBNA Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: IL

Complaint narrative:
PayPal has limited my account. I am allowed to add money to the balance, add bank accounts and cards, but not make payments or withdrawals of any kind. They asked me to provide several additional pieces of information, which I provided ( bank statements, proof of transactions, etc ). After I provided them with certain information, a few days went by and then they asked me for other information. They have been reviewing this information since mid week of last week and said it would be lifted within five business days. I have inquired several time since then about the status both through customer service on their page, through their XXXX page and on the phone. Every time I was told it was still in review and would be within 5 business days. My account was put in limited status for seemingly no reason whatsoever. An internet search makes it apparent that I'm not the only one that they have randomly selected for this account limitation. Several posters reported that they were never able to get their accounts back and that their balances were just never accessible to them. That is what concerns me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX my cell phone was hacked while I was attempting to return an item to XXXX XXXX. Consequently $ XXXX was fraudulently charged to my XXXX XXXX account ; all charges were reversed XXXX XXXX later. During that same time, and over the course of XXXX hour, XXXX fraudulent loan applications were approved by AffirmXXXX XXXX Bank on behalf of XXXX XXXX XXXX # XXXX : XXXX created on XX/XX/XXXX in the amount of {$200.00} Loan # XXXX : XXXX created on XX/XX/XXXX in the amount of {$200.00} Loan # XXXX : XXXX created on XX/XX/XXXX in the amount of {$200.00} Loan # XXXX : XXXX created on XX/XX/XXXX in the amount of {$200.00} These loans were set up to pay via a debit card that I have since deleted from my Affirm account. I have contacted AffirmXX/XX/XXXX times regarding these unauthorized loans. I received one correspondence from them asking me for the same information I had already provided on their website. In addition, I received XXXX 'canned ' email responses to the XXXX requests made to Affirm asking that they delete these fraudulent loans from my account. During a phone call that I made to Affirm on XX/XX/XXXX, I asked them to provide me with proof that I had applied for these XXXX loans. They were unable to provide me with anything. They only said that they had to get their money back from XXXX. What money? To make matters worse, I received an email this morning stating they now need XX/XX/XXXX days to complete an investigation and are again asking for the same information I have already provided. Also, this time Affirm has come up with an arbitrary charge of {$100.00} for XXXX XXXX. Who knows what that is because I do not? 

According to the CFPB website, Affirm has several complaints filed against them for unsavory business practices. Why have they been allowed to continue creating this type of havoc for consumers? 

Please, help me obtain resolution and finally do something about this 'scamming " company!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
on XX/XX/XXXX around XXXX central time a XXXX XXXX called XXXX and asked for a XXXX XXXX XXXX told him he had the wrong number and hung up the phone. 

He then in turned called back and asked for XXXX XXXX again and said that I was her. I said no I am not and please stop calling my phone. I then in turned called him back on my work phone number and asked him why does he continue to keep calling my phone asking for a XXXX XXXX. He then in turned said that he was with Midland Collections and that a civil complaint is going to be issued if the debt was not settled. I then said I am not that person and that you are telling me someones personal information and if you have that person address then you should send them mail telling them about that debt because I don't owe any debt from 2014. I then in turn said if that debt is 2014 it sounds like you are out of statutory time frame. 

This person has continue to call my cell number XXXX and when I block the number he calls from XXXX he calls from a XXXX number where I have had to block that number today. the date is XX/XX/XXXX. I have asked this man from Midland Collections to stop calling my phone. I will have to put in a complaint about this company with you and with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase have closed my checking account. I have a balance of over {$9000.00}. and despite the fact that Chase have closed my checking account they have refused to send a check for the cleared available balance in the account and have been giving me the run around

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: CITIBANK, N.A.
State: NY

Complaint narrative:
here are a list of accounts either closed or collections but I never gave consent nor have I ever signed for any of these accounts 1. XXXX XXXX XXXX {$0.00} XX/XX/XXXX 2. ( DSNB/ MACYS ) DEPARTMENT STORES NATIONAL BANK/MACYS {$0.00} XX/XX/XXXX 3.XXXX {$1500.00} XX/XX/XXXX 4 XXXX XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX {$0.00} XX/XX/XXXX

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 2021-11-22 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: GA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should 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 2021-11-22 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent to Equifax. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and needs to Remove : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
The cards I purchased had 150.00 and 50.00 and I already sent in proof of the amount on the cards and the receipts and didn't register the card and the one card has a negative balance and don't have any idea why

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Back In XXXX of 2021 XXXX made a collections claim on my credit report originally with XXXX XXXX XXXX XXXX mobility for {$1000.00}, I had this erroneous claim removed in XXXX from my report. However, It seems this same erroneous account has reappeared on my report. Now, this account is with XXXX XXXX XXXX ( XXXX ). According to The Fair Collection Act, this information should not be placed back on my credit report once removed. Section 609 ( a ) ( 1 ) ( A ) of FCRA, you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Obviously no investigation or verification was made since this account has already once been removed. Additionally, it has now been past 45 days since I requested you to investigate XXXX claim of a collections on my credit report.

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 2021-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
Hi Sir/Madam, In the closing statement or settlement documents, there is no where mentioned that there is a fee to closed an escrow account and I am not under PMI or anything. During the closing, the loan officer said I can call in anytime to close the escrow account if I want to. 

It is a FRAUD... ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
On XXXX, I rented a vehicle from XXXX XXXX XXXX  thru XXXX. The bill clearly states airport concession fee recovery which I paid up front. Also, it states that all mandatory fees and taxes are included ( see attached ). Upon arrival at XXXX pm on XX/XX/XXXX the XXXX counter was closed and I could not receive my vehicle. The next morning, I went back to counter and had to give them my XXXX XXXX card for possible damages. When I returned home I noticed they charged me again for the concession fee. I then did a charge back with XXXX and they agreed and denied the charge.I attempted to talk to someone and even was on hold for 90 mins and phone disconnected. I just received a letter from a debt collector for 62.00 for the fees I already paid. I have a XXXX XXXX XXXX and am fearful they will attempt to ruin my credit. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I ordered two XXXX XXXX '' XXXX XXXX Laptops from the merchant XXXX, these two laptops were intended to be a secondary work laptop and an educational laptop for my little sister for her school. It was shipped via XXXX carrier, and a signature was required for receipt of delivery. As I opted for next-day delivery, it was scheduled to arrive on XX/XX/XXXX, and knowing it needed a signature for receipt, I had planned to be home all day. XX/XX/XXXX rolls by, the carrier never showed up on my home and my package was marked delivered and signed by a signature " XXXX XXXX ''. Tracking showed it being delivered at XXXX on XX/XX/21, however, upon checking the security cameras on the front of my home and yard, no delivery person or even any vehicle passed by my house or stopped in front of my house around that time. 

I waited until the next day to contact the merchant as it may have just been a mistake, after chatting and explaining to the agent what happened. They simply said " XXXX you please contact your bank and dispute your charges ''. After explaining I have proof the delivery never even happened to the correct address, they just kept insisting to just dispute my charge with my bank. So I went ahead and did just that. Once I called Capital One to submit my claim/dispute my charge, I told them additionally that I have screenshots of the conversation with the live agent that they were instructing me to dispute my charges with my bank. I don't remember what the agent said, but if I recall correctly that they were going to send me a link to upload my evidence, but I never received that link. 

A month goes by and Capital One sided with the merchant, despite me having proof via my cameras that no delivery occurred when it was marked as delivered on the tracking and with XXXX 's own customer service agent telling me to dispute the charges with my bank for a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
XXXX some dollars from a Citi XXXX force closed in 2012. They contacted my mom and sister as well

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 2021-11-22 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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should 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 2021-11-22 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.

Complaint narrative:
The XXXX XXXX XXXX have a grave responsible to ensure all information being reported is accurate and correct. The credit bureau is required by law to preform a independent investigation after I as the consumer request that Transunion and XXXX go beyond the original furnisher pursuant to section 609 and 1682. I am requesting that Transunion preform a independent investigation with XXXX account XXXX and review all support proof documentation. This account has been re-aged for the original furnisher first date of delinquent and is being inconsistent reporting. Illegally Re-aging account is a violation of the FCRA. This account is being inconsistent reporting of the first date of delinquency. TransUion is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX XXXX is not reporting this re-aged account. This account is inconsistent being with different years, months and dates of first delinquency. This are violating of the FCRA by TransUinon and XXXX. 
I have attached as proof documentation a copy of credit report showing the re-aged and inconsistent reporting by the credit bureaus.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a checking and savings account with Citibank on XX/XX/XXXX. I made the required deposit amounts to take advantage of their sign up bonus. 

I followed up with their customer service through their message system in XX/XX/XXXX as it was well over the 90 ( three month ) period they stipulated as the requirements for agreement. I was confirmed that I was to receive the sign up bonus deposit on XX/XX/XXXX. The time came, and nothing was deposited. 

I followed up with their customer service again through the banks message system around XX/XX/XXXX. This time they stated that the deposit would be made before XX/XX/XXXX, but to allow up to XX/XX/XXXX. 

I contacted the customer service once again today, XX/XX/XXXX, for follow up and now they have run out of excuses. Now there is a delay with their department. 

It is now XX/XX/XXXX and I havent received the terms as agreed upon. I did everything to hold my end of the agreement. They have have more than enough time and opportunities to avoid any delays. 

I also had the history of the correspondence on the allocation. However now that I am trying to retrieve it, Citibank has wiped the information when I was in contact on two separate occasions after.

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 2021-11-22 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: NCB Management Services Inc.
State: CA

Complaint narrative:
I the consumer have tried to dispute accounts that were resulting in IDENTITY THEFT the creditors, XXXX, XXXX, AND XXXX failed to block and remove the accounts according to 605b 15 usc 1681 c-2 PLEASE remove accounts from consumer report

Company response to consumer: Closed with explanation