vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-04 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The bureaus have not properly verified their sources and are reporting inaccurate information that is damaging my credit scores. 


I already reached out to the courts and the courts have indeed verified that they do not verify or share information with the credit bureaus. 

XXXX responded to the previous dispute on XX/XX/2021 stating that the company reporting the information has verified the information as correct, however they do not say who the company is that is reporting the information. If the credit bureaus are not in fact checking with the alleged original source of information and the the original source says they DO NOT provide any information to the credit bureau then the credit bureau is in fact in violation on the FCRA 15 U.S. Code 1681n - Civil liability for willful noncompliance and is violating my right for complete and accurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX is violating the law. I am a victim of identity theft and my card was used without my permission. I immediately reached out to the company to start a claim for the fraudulent activity. A few days later I Called to follow up and was informed that my claim was closed. When I asked why the claim was closed, they were unable to give me any viable reasons. 

I explained that I have a right to know what investigation method was used as grounds to close this claim. They had no factual basis to support denying the claim. 

I believe that this company denied the claim to evade from their responsibility to provide me a provisional credit within the allotted 10 days which is my right under the law. 

XXXX is not abiding by the laws that the government has in place to protect consumers from losing their money to fraudulent transactions. They were insistent on me reopening my claims even they were unable to furnish information used to deny the claim. The sole reason for why they wanted to re-open the claim was because they wanted another 45 days to investigate. This is unethical behavior that should not be taking place at a financial institution in the United States. 

We are now on the the third request to reopen the claim without any information on why it was closed. XXXX is keeping money that rightfully owed to me and what I need to survive during these times. 

What should have been a 45 day process in total with a provisional credit in 10 days is now going into 4 plus months with zero explanation. 

When I implied that I was going to make a complaint my request was dismissed completely.

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 2022-01-04 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA

Complaint narrative:
I have sent out validation letters to verify the account in question on XX/XX/10 and didnt receive anything back. The debt is for {$2300.00} which I didnt give my consent for.

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 2022-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have a pandemic household hardship that I requested assistance on that ended XX/XX/21. I have been trying to work with Bank of America since that time. I originally asked for a modification and that increased the PITI by 30 %. Then on XX/XX/21 I requested the deferment and followed all of the instructions provided to " opt of out of the flex modification '' and to request " the deferment '', so I did that ( and I have verification the fax was received that day, but had to re-fax it to two more times later that month, all of which where delivered ). I asked how they knew I could afford that monthly payment, as I was not asked for my financial information. I was told a financial interview was done on XX/XX/21. Then, after a number of phone calls, I was told on XX/XX/21 that the financial interview ( what I call taking an application by phone ) was not done, so we did it that day ( I provided all of the financial information income, debt, etc. ). I then received a call XX/XX/21 and explained that I applied for consideration of " all loss mitigation '' options on XX/XX/21. I was told it was not assigned to an underwriter, but that he forward it to an underwriter at that time. I have spoken with 9 different people and I have no direct point of contact. At least, no one with a direct phone number or voicemail that I can reach ( but supposedly a name is assigned ). Each phone call is like starting over and accomplishes nothing. On XX/XX/21 I made a final attempt to reach out and I was told they would mail me another application to fill out and return. My question is, what happened to my financial information provided on XX/XX/21 over the phone? No answer to that question.

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 2022-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
PayPal withdrew and kept my complete funds of {$830.00} on XX/XX/XXXX The last day I was able to use my PayPal account was XX/XX/XXXX. Due to them locking me out of my account. 

When I called PayPal and spoke to a representative they said that the PayPal team determined I was using my account for gambling and there was no way of me disputing it because the PayPal team made their decision. 
The rep went on to say that I would receive a email in 6 months letting me know when I would have access to my account. 
They claim that they needed to put my account on hold to make sure any transactions I had made would be processed. 
I would periodically check my account to see if I had access again I did this at least once a month between XXXX and XXXX of XXXX. 
I noticed a few days after XX/XX/XXXX that PayPal had withdrew my complete funds of {$830.00} and transferred my funds to themselves ( paypal ) Below is the letter I wrote to the president of PayPal but I never received a response XX/XX/XXXX XXXX XXXX, I am writing regarding a PayPal transaction on my account dated XXXX, where your company transferred my funds, in the amount of {$830.00}, as payment to PayPal citing an acceptable use violation. Your company has made a claim against that those funds were obtained through gambling and they absolutely were not. I was originally told that the funds would be held for 6 months and then released to me and then noticed that this had occurred instead. I never agreed to PayPal taking my money. This is extremely devastating because although it may not be much to you, this is A LOT of money for me and I need it back immediately. Please consider this my formal demand letter. If the money is not returned within one week from todays date, I will be reporting this matter along with a formal complaint to the State of Alaska, Division of Banking & Securities and any other entities necessary. 

I would appreciate immediate attention to this matter. 

Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. The bureaus have had XXXX  days and XXXX dispute letters sent to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: MO

Complaint narrative:
I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. The bureaus have had 270 days and 6 dispute letters sent to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank 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 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. The bureaus have had 270 days and 6 dispute letters sent to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank 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 2022-01-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I have previously disputed this account with the credit bureaus and each time the investigation came back as 'verified '. I decided to go directly to CAP ONE reporting and dispute with them. They were not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way you were able to verify this!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have previously disputed this account with the credit bureaus and each time the investigation came back as 'verified '. I decided to go directly to XXXX XXXX reporting and dispute with them. They were not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way you were able to verify 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 non-monetary relief
Consumer complaint received 2022-01-04 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: MO

Complaint narrative:
I have previously disputed this account with the credit bureaus and each time the investigation came back as 'verified '. I decided to go directly to XXXX XXXX reporting and dispute with them. They were not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way you were able to verify this!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have previously disputed this account with the credit bureaus and each time the investigation came back as 'verified '. I decided to go directly to XXXX XXXX reporting and dispute with them. They were not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way you were able to verify 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 2022-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I had a dispute with XXXX XXXX tv about canceling my service. When they charged my XXXX a 3rd month after I notified and had sevice stopped, I contacted XXXX and they investigated. XXXX then credited my account. 

I then received a collection letter from XXXX XXXX  : XXXX had sent the {$170.00} to them and someone place a delinquent payment on my credit report. 
I paid Creedence the {$170.00} with my XXXX  credit card on XX/XX/XXXX ... ... because I did not want to lower my credit score. 
In late XXXX, I contacted credit bureau and informed them this debt was paid. 
I check my credit report a few weeks later and it showed the debt was paid. 

On XX/XX/XXXX I received a letter from IC system saying I owed XXXX for the same account number as the one I paid before to XXXX 
On XX/XX/XXXX I called XXXX and spoke with XXXX XXXX at XXXX EST. She maintained that this was still a debt owed after I informed her I already paid. She said they were going to " ruin " my credit if I did not immediately pay them {$120.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX, someone stole {$1000.00} from my bank Wells Fargo through a XXXX account. I did not have a XXXX account, never even heard of XXXX account. 
I reported it to the fraud department as soon as I saw it on my banking statement, on XX/XX/XXXX. They said I give my username and password to this person and also my authorization. I have tried three times to get my money back and three times denied. I would appreciate any help you could give me. Thanks. 
Email address is XXXX. mail address is XXXX XXXX XXXX XXXX, NC. 
The person who got the money was XXXX XXXX from Texas.

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 2022-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
For the past year and a half I have personally been trying to clean up and manage my credit. My credit is at its worst right now but as soon as I start having items removed for violations or even debt paid in full a random item happens to appear. 

About 2 months ago this item has appeared out of know where on my credit. I have no clue who Credence Resource Mana is nor have I ever done business with this copy. 

So I sent a Validation of Debt to the address provided by XXXX, XXXX, and XXXX but only to have the mail returned. How can this company randomly put a item on my credit report and have a incorrect address? How can XXXX, XXXX, and XXXX allow this? I then send a proof the letter was returned to me to all three major credit bureaus. 

The account was never properly investigated if it were investigated at all. The all came back verified. How can you verify this company with they are not reporting a correct address on top of not having a phone number listed? 

I have a new born baby less than XXXX XXXX XXXX. How am I suppose to purchase a new car so I can get him to his new born Dr checkups?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: OKX INC.
State: VA

Complaint narrative:
Dear Sir or Madam, I signed up for Okcoin.com and registered for its " {$100.00} XXXX '' promotion, under which participants were promised {$70.00} in XXXX for monthly cryptocurrency purchases of at least {$25.00}, starting between XX/XX/21 and XX/XX/21 and continuing until XX/XX/21. I adhered to the terms of the promotion, making monthly purchases of {$32.00} ( initially with a {$1.00} fee added ) throughout this term. I never received the {$70.00} in XXXX promised, which should have been deposited in my account on XX/XX/21. I have attached the promotion page, an email confirming that I set up the required monthly payments, bank records confirming those payments, and a chat transcript in which the Okcoin agent confirmed that I had adhered to the promotion terms and would receive the payment. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
XX/XX/XXXX I purchased a used suv from XXXX XXXX. Down payment was XXXX cash and a trade in value XXXX. 
The price of the car was XXXX Finance by American credit acceptance. As I XX/XX/XXXX the balance is now XXXX and the interest rate is high. Ive ask why my payment sent going to the principal and I didnt get an answer. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
In response to MIDLAND CREDIT MANAGEMENT : This company has obtained my information from XXXX XXXX  unlawfully. I did not give them my consent to have access to my information. They received my information from XXXX XXXX XXXX which means they've engaged in aggravated identity theft. XXXX XXXX knowingly transferred, without lawful authority, a means of my identification. Furthermore, I am the original creditor of the account and I do not validate any debt that is allegedly owed. According to the FDCPA only a consumer can validate such debt, which makes their statement of me owing a debt and the debt being valid is very much an invalid statement. Therefore, the alleged debt is NOT valid nor owed by me, the consumer/natural person. They also state that they were advised by credit reporting agencies to furnish such information on my consumer report, which is a violation of the FCRA. This company did not have permissible purpose to furnish anything on my consumer report. They did NOT receive my written instructions to furnish such information on my consumer report and I have never engaged in ANY consumer credit transaction with them, therefore they are violating federal law. I have never had a contract with this company, therefore I am being taken advantage of by MIDLAND CREDIT MANAGEMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: NC

Complaint narrative:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation