vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
This company has listed my account as delinquent and/or charge-off. According to federal law this is a violation of my rights as a consumer. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Therefore, should never be reported as late nor should it contain a balance because it contains a finance charge. A finance charge is the sum of all charges, which means this account was paid in full upon this company using my credit card ( social security card ). I am in complete distress because I have been attempting to remove this from my consumer report more than once. This company is causing me great distress and these fraudulent actions have been harmful to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
I was selling items on XXXX. 
Things were going well up until I started scaling my store and growing as a small business. I started getting higher revenues and I noticed PayPal started holding funds, placing random holds for unspecified amounts of days, which I did not mind since they have to verify their sellers one way or another. 
Up until I reached a certain point in my journey- they placed a hold on my accont- asking for ridiculous amounts of information I had already submitted. After a few days, it turned into a permanent suspension and freezing of my money in the account for 180 days. 
That caused my small business to crash, caused a lot of issues with customers because they wouldn't even let me refund customers that had issues with their orders... Anyways I gave up on the thing I was doing because of them and decided to wait the 180 days out, take my money out and leave this bad company once and for all... 
181 days of the hold on my funds - I log into my account to find that PayPal has stolen my money out of my account. 
For the next 3 months, I have been e-mailing, calling, texting on XXXX, XXXX EVERYWHERE looking for help and answers for their unlawful actions against me. 
During the 180 days also I'd like to add that they were unfairly issuing refunds and were charging me Dispute fees for disputes that were either fraud or non-existent. 
No warning... Just took the money out and claim I caused damages to their business... 
I have done nothing wrong. 
ALl my orders had tracking information, all my customers received their products, left good reviews and feedback and yet PayPal still took my money like that... 

I demand a full refund and legal action against this fraud company. 





XXXX XXXX XXXXXXXX I will just put this here. 

They pretty much stole my money for nothing. They had previously blocked my account for 180 days. Once the 180 days passed and my money was ready for me to withdraw and cut ties with that company, they went south on me and stole all the balance. 

They claim I've done damages. 
{$6100.00} USD ; PayPal Posting Date : XX/XX/2021 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ; Damages caused to PayPal by Acceptable Use Policy violation ( s ) This is what they told me. No further explanation. Nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: KEYCORP
State: NY

Complaint narrative:
In XX/XX/2021, I received notification that KeyBank, N.A. had opened a XXXX account in my name. I did not apply or consent to the opening of this account. I have never applied for or received benefits under this program. The account information was mailed to a satellite office of my employer. Upon receipt of this information, I reported the fraudulent application to KeyBank. I was advised that an unknown individual submitted a fraudulent application for unemployment benefits to my state XXXX XXXX XXXX I was told that matter had been reviewed and closed as a fraudulent claim. Thereafter, I reported this fraudulent activity to the XXXX. I was advised by the XXXX that the account has been terminated as fraudulent and that no further action was required. 

On XX/XX/2021, KeyBank mailed an account statement, related to the fraudulent account to the address that was used to fraudulently obtain unemployment benefits. This letter included my identification information and the last XXXX digits of an account that was reportedly ( 1 ) never opened and ( 2 ) terminated by inactivity. I called KeyBank yesterday to report the fraudulent transaction. I was disconnected by their automated system twice. There was no option to speak with a representative directly. Their fraud department would not permit me to file a fraud complaint because it could not locate the fraudulent account. Upon reaching a supervisor, I was instructed that my only recourse was to contact the XXXX. When I inquired as to the recent letter, which was mailed by KeyBank, not the DOL, I was told that they mailed XXXX XXXX letters to anyone that may or may not have accounts, without regard to any reports of fraud. I was told that they do not scrub their accounts for reports of fraud to make sure that the notices that they are mailing are not sent to addresses that were previously reported as fraudulent. Despite having reported the fraud XXXX months ago, the fraudulent address remains an active and valid address in KeyBank 's system, without explanation, and without the ability for me to do anything about it. I was told that since I did not open the account, even though it was opened in my name and I am the reported beneficiary, but rather the XXXX opened the account, without my consent, I have no right to any information regarding the account. Therefore, KeyBank refuses to confirm in writing that the account has been closed. KeyBank is playing an active role in this fraud by refusing to acknowledge my complaint, refusing to confirm in writing that the account is closed/never opened, disseminating my information to an address that has been reported to be fraudulent, and refusing to take corrective action to stop the future dissemination of my private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
Today, Credence call 77x 's on XX/XX/XXXX and 55x 's on XX/XX/XXXX and many prior times before, they call every morning stating at XXXX to XXXX and evening calling after XXXX. They are XXXX and XXXX  me daily adding to my illness. they call with XXXX, XXXX, XXXX and ocassionally unknown number directly after calling on a visual number. I have not done business with them this number belongs to me only.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-17 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I am no longer an authorized user on this account. Please clean up my history by no longer reflecting me as a user. 


Account : XXXX Chase XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-17 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: OneMain Finance Corporation
State: TX

Complaint narrative:
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 
( 3 ) INFORMATION regarding inquiries This is not misrepresentation I am victim of Identity theft this not a mistake sent in error. I did not consent to authorize nor benefit from any of the following inquires or accounts. I am alleging that a person or company- without my authorization or consent - used my personal identifying information to apply for good, services, or money, and, was successful in creating some accounts. Please block and remove immediately the following inquires from each XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
I have disputed with XXXX 3 times now an account on my report. I have proof that the original account has been sold to another agency yet after XXXX  dispute investigation is complete they still refuse to remove or change the status of my account simply based on what the original debtor confirms. The original debtor is Indigo credit card and it was sold to XXXX XXXX XXXX, whom I've also spoken with and have received written communication from! XXXX XXXX XXXX ( XXXX ) XXXX spoke with XXXX on a recorded line where she specifically stated they bought this account from indigo credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX : XXXX XXXX : U S DEPT OF EDXXXX ( Original XXXX XXXX XXXX  ) : U S DEPT OF EDXXXX : XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reached out to these collectors in an attempt to exercise my rights against these fraudulent accounts. I will sue for remedy and compensation should these accounts not be removed from my credit report according to 15 USC 1692h

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 2021-12-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

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 2021-12-17 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: VA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2021-12-17 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: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
Hello, I had two accounts with TD Auto Finance that were all paid on time with no late pays. The third account was opened on XX/XX/XXXX and I made XXXX on time payments. TD ended up cancelling my auto pay on the XXXX payment ( XX/XX/XXXX ) without notice. As soon as I discovered that I could not obtain the title for the car, I found out that TD had reported that I was late to all three credit reporting agencies. I called TD and asked why they never notified me about cancelling auto pay or about the late pay and they claimed to have sent a letter. I never received a letter from them and I have seen many other consumers that have the exact same complaint from TD customers. I am a Veteran that has worked hard to maintain my credit and pay my bills on time. Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Finmax Smart Capital LLC
State: TX

Complaint narrative:
Someone named XXXX XXXX called me from XXXX regarding a important time sensitive matter reference to account number XXXX and asked to call back on XXXX ext. XXXX. They not only contacted me personally but also my relative regarding my information. However, in the voice mail that was left, he does not mention what company it is from and what it is for. In addition to the phone call I also received two mailing list email from FINMAX. It claims that I took a loan with creditor name XXXX XXXX ( Which in fact is not even a legit loan provider. ) I have never taken a loan from them and the email that was sent was very specious. Both the phone call and email was sent around same time at 5:45 PM CST on Thursday XX/XX/2021.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-17 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:
On XX/XX/2021 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 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 30 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, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
We are trying to refinance and Dovenmuehle has been uncooperative. They refuse to provide proof of your payment history and even lied that we were never in forbearance. I have attached supporting documentation and our records show we paid in full and reinstatement should be issued. However we were never in forbearance as described in the letter. 
This is a high Point interest rate and that they are trying to block our refinance. 

I have requested multiple times a payment history of up to 24 months as required by our under writer. They refuse to fax over the correct information and provide the information in a timely manner. We need to close on this refinance today and their inability to cooperate is costing and denying us financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
I checked my credit report on XXXX and noticed a XXXX balance from a company called Prosper Market Place. I have never heard of them and have tried to contact them but have been unsuccessful. A payment of over {$100.00} dollars was taken out of my checking account recently. I know nothing about this company and.have not opened an account with them.

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 2021-12-17 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: IL

Complaint narrative:
I have items on my credit report that are showing negative I have sent numerous complaints to the credit bureaus for clarification and I have not received any responses wether by phone mail anything I have also ask for clarification from the alleged creditors at which time I was told if I dispute these items I would be sued which is against the fdcpa false or misleading information I learned this after I did some research

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 2021-12-17 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I recently reviewed my credit report and have noticed some accounts that i am not responsible for. I disputed with the companys responsible but did not get the results expected. See attachments

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 2021-12-17 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: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

XXXX CARD Account Number : XXXX XXXX Account Number : XXXX AMEX Account Number : XXXX XXXX XXXX BANK XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: CT

Complaint narrative:
These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : 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 2021-12-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
Freedom Mortgage bought my mortgage without my knowledge or permission. I believe this to be lawful but sad to the customer. Starting in XX/XX/2021 I have asked multiple times to have an analysis completed of my escrow balance. I believe the amount in the account is extremely high. Each time I request this I waited the allotted time in which the mortgage company informs me that it takes to complete this analysis and every time it is never done. I have made 5 calls from XXXX - XX/XX/2021 and then again today XX/XX/XXXX. Each time the representative " sees '' the request but that is it. They have nothing more to offer other than yep, we see it. The work to actually do the analysis is never done. I believe surplus in my escrow is an excess of {$7500.00}. The first 2 calls in XXXX and XXXX Freedom Mortgage claimed they could not see my escrow details in their system but I could see them on their website. Again today, they are requesting the analysis AGAIN. No results.

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 2021-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Central Portfolio Control Inc.
State: IA

Complaint narrative:
One day they called 3 times within 5 minutes, another day they called 4 times within 20 minutes. Recently, they will call, then 1 minute later call again, doing this multiple times a day. They call excessively when I'm at work, never leaving a message so I know who they are or what they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation